We’re excited to share that we’ve added a Member Sport Accident Insurance coverage to our group of member benefits that can be accessed by any Squash Ontario Competitive Member. Our Member Sport Accident Insurance protects you from the costs of injuries sustained while playing. Accident Insurance includes: loss of life, permanent loss/dismemberment, eyeglasses/contact lenses (resulting from injury), emergency transportation, blanket dental, and rehabilitation. Read below for further details.
SPORT ACCIDENT INSURANCE SUMMARY:
The Accident policy provides coverage against loss resulting directly and independently of all other causes from accidental bodily injuries sustained beyond the Insured’s control, occurring in Canada while this insurance is in force. This coverage is secondary to any other health care plan(s).
The Accident policy provides benefits, as per the Benefits Schedule while an insured member is:
participating as a player member, manager or coach of Squash Ontario in sanctioned practice or competition which is organized under the supervision and direction of Squash Ontario; or
being transported with other player members of Squash Ontario as a group to or from the place of such practice or game; all under the supervision and direction of Squash Ontario
HIGHLIGHTS OF THE BENEFITS INCLUDE:
EXPLAINED IN FURTHER DETAIL:
Loss of life or bodily injury.
Fracture, Dislocation, Tendon Severance and Miscellaneous Indemnity.
Dental Accident Reimbursement - The reasonable expenses incurred within 52 weeks of a covered accident to treat, repair or rebuild teeth damaged in the covered accident, excluding any expenses any treatment, repair or rebuild provided solely for cosmetic or aesthetic reasons. Such expenses will be subject to limit shown on the Declarations.
Dentures, Removeable Teeth, Hearing Aids, Eyeglass and Contact Lenses - The reasonable expenses incurred within 60 days of a covered accident to replace dentures, removable teeth, hearing aids, eyeglasses or contact lenses damaged as a result of a covered accident, subject to the limit shown on Declarations.
Emergency Transportation - The reasonable expenses incurred for transportation, other than by a licensed ambulance service, of the Insured Person to a doctor’ s office or the nearest hospital, subject to the limit shown on the Declarations.
Family Transportation - The reasonable expenses incurred by the immediate family for transportation by the most direct route by a licensed common carrier to attend to the Insured Person within 365 days of the date of the accident where the attending physician recommends the personal attendance by a member of the immediate family. Such expenses will be subject to the limit shown on the Declarations. A member of the immediate family will mean the spouse, parents, grandparents, children age 18 or over, brothers, sisters of the Insured Person.
Medical Expense Reimbursement - The reasonable medical expenses incurred by an Insured Person as a result of a covered accident within 52 weeks of the date of the accident for:
(i) Licensed physiotherapist, chiropract or, osteopath, registered nurse services, or other similar services approved by the Insurer in writing, and not covered under any federal, provincial government or private health care plan.
(ii) Licensed ambulance services
(iii) Crutches, splints, orthotic devices, trusses, medical braces, rental of wheelchair, hospital bed, lifts or other medical devices recommended by the attending physician, excluding splints, orthotic devices and medial braces required primarily for sports activities.
(iv) Prescription drugs not covered by any federal, provincial government or private health care plan.
(v) Hospital services not covered by any federal, provincial government or private health care plan.
(vi) Medical services incurred outside the province of residence for injuries sustained in a covered accident that occurs outside the province where the Insured Person is normally domiciled, but in no event for any expenses incurred outside of Canada.
The maximum amount payable under this section is subject to the limit shown on the Declarations.
Prosthetic Appliances - The reasonable expense actually incurred up to the limit shown on the Declarations for a hearing aid, artificial limb or eye or any other prosthetic appliance prescribed by a legally qualified physician or surgeon and required as a result of such injury within one year of the date of the accident.
Rehabilitation - The reasonable and necessary expenses actually incurred up to the limit shown on the Declarations for special training of the Insured Person provided such training is required because of such injury and in order for the Insured Person to be qualified to engage in an occupation in which they would not have been engaged except for such injury; expenses are incurred within two years from the date of the accident; no payment will be made for room or board or other ordinary living, travelling or clothing expenses.
Repatriation - The expenses incurred for preparing the deceased for burial and shipment of the body to the residence of the deceased where the injuries covered by this policy result in loss of life of an Insured Person beyond 200 kilometers from their permanent city of residence, and within 365 days from the date of the accident , subject to the limit shown on the Declarations.
Tuition Benefit - The expenses incurred within six (6) months of the date of accident for tutorial services of a qualified teacher certified by the Provincial Ministry of Education at a rate not to exceed $25.00 per hour, as well as reasonable expenses for the rental of necessary equipment and program software are required and approved by the Board of Education in the jurisdiction in which the Insured Person is enrolled in studies. All benefits under this section are subject to an aggregate limit as shown on the Declarations.
Loss of Income - If "such injuries" shall within sixty days from date of accident totally and continuously disable the Insured Person and prevent the Insured Person from performing any and every duty pertaining to the Insured Person's occupation or employment with the Insured the Insurer will pay from the first day of disability following the Waiting Period of 14 days for the period of such continuous total disability but not exceeding 104 (one hundred and four) weeks, Weekly Income at the rate specified in the Declarations.
Benefits are further defined in the actual policy on file with the Squash Ontario.
Sanctioned events for both the Accident shall mean all games, competitions or sports demonstrations run by the insured association or by member clubs authorized by the insured association including related training at sites of events and club premises.
SUBMITTING A CLAIM
The insured or a person insured, or a beneficiary entitled to make a claim, or the agent of any of them, shall,
give written notice of claim to Squash Ontario (Copy both Executive Director Lynsey Yates (lyates@squashontario) and Admin (admin@squashontario.com))
within ninety days from the date a claim arises under the contract on account of an accident, sickness or disability, provide such proof as is reasonably possible in the circumstances of the happening of the accident or the commencement of the sickness or disability, and the loss occasioned thereby, the right of the claimant to receive payment, their age, and the age of the beneficiary if relevant; and
if so required by the insurer, provide a satisfactory certificate as to the cause or nature of the accident, sickness or disability for which claim may be made under the contract and as to the duration of such disability.
Failure to give notice of claim or furnish proof of claim within the time prescribed by this statutory condition does not invalidate the claim if the notice or proof is given or furnished as soon as reasonably possible, and in no event later than one year from the date of the accident or the date a claim arises under the contract on account of sickness or disability if it is shown that it was not reasonably possible to give notice or furnish proof within the time so prescribed.