USA Gymnastics Sanctioned Event Insurance Coverage Updates for Registered Athletes and Professional Members
USA Gymnastics has several insurance programs that are directly tied to its membership programs. Listed below are the various types of insurance coverage, and with which types of membership they are associated.
Please note that the descriptions below are general descriptions of the coverage included.
Participant Accident
This coverage provides secondary medical coverage during USA Gymnastics sanctioned events, subject to deductible.
Covered Individuals: Current USA Gymnastics Athlete and Professional Members (Competitive Coaches, Judges and Meet Directors)
Covered Events: USA Gymnastics Sanctioned Events Important Note: This coverage applies to ‘accidents’ where a time and place of the injury can be specified at a sanctioned event. It does not apply to overuse or ‘wear and tear’ injuries.
Accident Medical Expense Benefit: Maximum Benefit of $50,000 with a $500 deductible. First expense must be incurred within 26 weeks of injury, and include expenses up to 2 years after the accident.
Excess Coverage Provision: The amount otherwise payable by the insurance coverages will be reduced by the total amount of medical care benefits provided by any other Plan, which will be determined without reference to any coordination of benefit provisions, non duplication of benefit provisions, or any other similar provisions. All benefits will include the reasonable value of any medical expense services.
Catastrophic Insurance
The purpose of this policy is to provide insurance coverage and protection from severe injuries that could possibly result from participation by a covered person in a sanctioned event.
Covered Individuals: Current USA Gymnastics Athlete and Professional Members (Competitive Coaches, Judges and Meet Directors)
Covered Additional Insured: Owners, Managers and/or Lessors of Premises. Other Persons or Legal Entities as required by written contract or agreement. Others by request and endorsement, subject to underwriting approval.
Covered Activities: All events sanctioned by and all activities conducted by USA Gymnastics.
Definition of Participant: The term participant shall include Participant" mean actual athletes, coaches, staff members, referees, officials, medical and security personnel, employees covered by workers' compensation coverage and not subject to special credentials, media personnel, VIP's and all other credentialed personnel permitted to enter any "restricted area" during occupancy by player personnel.
Notable Exclusions: Nuclear energy, asbestos, pollution, bodily injury to employees, player vs player claims, employment related practices, medical payments to participant, infectious diseases or illness including but not limited to Covid-19. This is a partial list and may not include all exclusions.
Policy Form: Occurrence Form with Broadened Coverage Endorsement
This is only a very general reference to what coverage(s) the insurance policy provides and is not intended to attempt to describe all of the various details pertaining to the insurance. Actual coverage(s) are detailed in the policy or insurance and are always subject to terms, provisions, conditions, and exclusions as contained herein.
