Hockey Canada HOCKEY CANADA COVERAGE. Hockey Canada Cost Breakdown.

Hockey CanadaHockey Canada

HOCKEY CANADA COVERAGE


Cost Breakdown

Cost Breakdown


Types of CoverageWhat is HBT – Health Benefits Trust

• The HBT Program is a self insured program managed by Hockey Canada in order to provide cost effective Accidental Medical/Dental Insurance to it’s members.

• This coverage applies in excess of other valid and collectable insurance i.e. Provincial Medical and Hospital Plan or Personal Group Insurance

• Coverage will also respond if a member does not have other private insurance.


Types of CoverageHealth Benefit Trust Program

Accident Medical/DentalAccident Medical/DentalSecondary insurance Secondary insurance

Dental Expense: per tooth $1,250 per accident $2,500

Additional optional dental coverage available:

This optional coverage is available to all Hockey Canada Provincial Branches, Associations, Leagues or other entities that are members of Hockey Canada. In order to be eligible for the coverage, all members of a group must adhere to the program. The program is unfortunately not available on an individual member basis.

Coverage is valid for 1 year and the inception date of the Rider is at the group’s discretion. You have the flexibility to include 1 or more of the following categories of members within the Rider:

• Players• Officials• Coaches• bench staff

$ 5 000 2.50

$ 10 000 4.15

$ 15 000 6.50

$ 20 000 8.00

$ 25 000 9.25


Types of Coverage

• Physiotherapy, Osteopath, Chiropractor up to : $500 per year

• Prosthetic Appliance: $1,000• Tuition Expense: $2,000• Emergency Taxi Benefit: $40 • Travel expense Benefit: $100 per accident• 100% of Ambulance Expense• Loss of Income $1,000


Types of CoverageConcussion injuries

Concussion injuries involve many different interventions. Hockey Canada will consider the following coverage related to a concussion which has been diagnosed by a physician:

Physiotherapy under the current maximum of $500 .00 per year . Neuropsychology, which falls under the current physiotherapy

maximum per year . Tuition expenses as previously described.

Note that Hockey Canada Insurance does not cover expenses for baseline testing.


Types of CoverageHBT Does Not Cover

• Benefits eligible under other private plans• Benefits paid by a government hospital • Benefits for a non resident playing hockey in Canada

without a primary coverage• Eye glasses or contacts• Sickness or disease• Repair or replacement of artificial teeth or dentures• A knee brace or similar device needed solely for playing

hockey• Equipment replacement


Types of CoverageACCIDENTAL DEATH & DISMEMBERMENT

AD&D Insurance covers very serious, permanent injuries which might occur while participating in a HC/Branch sanctioned activity. This coverage is in addition to any other valid and collectable insurance policy.


Types of CoverageAD and D Coverage


Types of CoverageAD and D Coverage

AGE ON DATE OF ACCIDENT PERCENTAGE OF UNDER-AGE-70 MAXIMUM AMOUNT

70-74 65%

75-79 45%

80-84 30%

85 and older 15%


Types of CoverageAD and D Coverage – Important Steps

If a potential AD and D claim is apparent, for example:

Accidental Death ; on – ice or off-ice

Potential Paralysis

Potential Loss of Sight

Potential Loss of Use as Described


Types of CoverageAD and D Claims – Important Steps

• The Branch should report accident to Todd Jackson and Glen McCurdie immediately and report all details related to the claim. The members name and DOB as well as a short description of the claim is always helpful.

• Hockey Canada will immediately advise the insurers (even on the weekends).

• You will be given instructions on next steps including required information .

• Counseling may be necessary


Types of Coverage COMMERCIAL GENERAL LIABILITY

Simply explained this covers lawsuits and settlements.


Types of CoverageNamed Insured

• Hockey Canada• The Thirteen Branches of Hockey Canada • Associations • Leagues• Participants • Teams• Officials of any of the foregoing, including those teams

that are based in the U.S.A.


Types of CoverageIncludes the following registered members:

• Owners• Officers• Directors• Shareholders• Members• Committees

• Players• Managers• Staff Members• Team Workers• Officials• Cheerleaders• Referees• Coaches

• Trainers• Sponsors• Employees• Instructors• Volunteers• And Spouses

of the Foregoing


Types of CoverageCoverage

• $ 20,000,000 per occurrence for bodily injury & property damage to third parties

• Excess Liability insurance in the amount of $50,000,000

• Hockey Canada covers each registered player for liability

• The intent needs to be accidental and not deemed intentional


Types of CoverageReporting

• Occurrences that may require coverage should be reported to Glen McCurdie.

• The respondent should consult with Glen prior to engaging legal counsel.

• The occurrence will then be sent to the insurer who will begin an investigation


Types of CoverageSexual Misconduct Liability

This policy covers the insured’s liability arising out of alleged or actual sexual misconduct for which the insured may be held legally liable.

• Will pay defense costs of the accused in civil court until proven to be guilty.

• Will reimburse the defense costs of the accused, if found innocent, in criminal court ($25,000 sub-limit).

Hockey Canada HOCKEY CANADA COVERAGE. Hockey Canada Cost Breakdown.

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