As a result of several misunderstandings regarding what the YOU insurance does and does not cover, we are providing the following information from Mr. Chris Anderson of the Insurance Department.
YOU ACCIDENT INSURANCE
An accident insurance policy is maintained for all YOU members, coordinators, chaperones and assistants. The coverage is paid for by the YOU members and all YOU members and staff worldwide are covered. Following is a brief description of the insurance provided:
Please note that the coverage is for accidents only. This insurance does not include any coverage for sickness nor is it intended to replace any existing major medical or catastrophic insurance presently in force. It is only intended to provide financial aid (subject to the above limits) in the unfortunate event that an accident occurs.
This insurance affords coverage only while participating in an approved and supervised YOU activity, either on an international, national or local basis. It includes accidents which occur while traveling directly to or from such activities (although, if involved in an auto accident, the auto insurance should be treated as primary).
Following are those items which are excluded from coverage (quoted from the policy):
This policy does not cover loss resulting from:
a) intentionally self-inflicted injury, suicide or attempted suicide, whether sane or insane; b) injury sustained while: i) in or on; ii) boarding or alighting from; iii) being struck or run down by; any aircraft in motion except as an airline passenger on an aircraft: i) operated by a passenger airline; ii) on a regularly scheduled trip over its established route; c) war or act of war, whether declared or not; d) injury sustained while in the armed forces (land, water or air) of any country or international authority; e) repair or replacement of existing dentures, partial dentures, braces, fixed or removeable bridges, or other artificial dental restoration; f) repair, replacement, examinations for prescriptions or fitting of eyeglasses or contact lenses; g) repair or replacement of artificial limbs or orthopedic braces.
Please note that coverage for airline travel is covered, while learning to fly, parachuting, etc. are not covered. However, as a result of adding the sport of parascending (or parasailing) to some of our SEP camp activities, we have extended the insurance to include this "in the air" sport.
Should it be necessary to file a claim, please keep the following in mind:
• Notice of claim should be filed within 30 days after a covered loss begins.
• All claim forms must be filled out completely and signed by the local coordinator in the appropriate place, certifying that the injured person is a YOU member or staff.
• Claims should be sent directly to the insurance company. Do not send them to Pasadena. This will only delay processing.
• Claim forms are available from the YOU office in Pasadena or you may photocopy the one in your YOU Pastor's Manual.
• Claims filed outside the United States should be paid for first with local currency (unless it is a major loss, i.e. over $1,000), then file the claim and ask to be reimbursed. This helps to avoid confusion about conversion of foreign currency.
• Once a claim has been filed, subsequent bills should be sent to the insurance company with a cover letter, restating the name of the injured person and the date of the injury.
While we hope our YOU members and staff will never need this insurance (please encourage safety), we are grateful to be able to provide this coverage to over 14,000 YOU members worldwide, all for a cost of $10 per year, per person.
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Please feel free to communicate with Mr. Anderson of the Insurance Department should you have any additional questions about this insurance or how it works.
YOU UPDATE
Worldwide Church of God