Plan Details
Plan Details
ELIGIBILITY
You are eligible to participate in the Plan if you are a dues paying member of the Dominian Access Association, Inc. for whom membership remains active.
Individuals who enroll may elect to cover their eligible Dependents. An eligible Dependent includes the Insured’s legally married Spouse and the Insured's Dependent Child(ren), and his or her legally married Spouse's Dependent Child(ren). A legally married Spouse will not be eligible as a Dependent if he or she is also an Insured under this Policy. If the Insured and his or her legally married Spouse, legally separated Spouse, former Spouse are both Insured’s under this Policy, only one may select a Plan covering their mutual Dependents
COVERAGE
24 Hour Accident Protection, Business and Pleasure, Excluding Corporate Owned or Leased Aircraft, H-1 Exposure and Disappearance Coverage
EXCLUSIONS
1. A loss will not be a Covered Loss if it is caused by, contributed to, or results from: suicide or any attempt at suicide while sane or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury
2. War or any act of war, whether declared or undeclared
3. Involvement in any type of active military
4. Illness or disease, regardless of how contracted; medical or surgical treatment of illness or disease; or complications following the surgical treatment of illness or disease; except for bacterial infections due to Accidental ingestion of contaminated foods
5. Participation in the commission or attempted commission of a crime, any felony, an assault, insurrection or riot
6. Parasailing, bungee jumping, heli-skiing, scuba diving or any other extra-hazardous activity
7. Being intoxicated while operating a motor vehicle.
a. A Covered Person will be conclusively presumed to be intoxicated if the level of alcohol in his or her blood exceeds the amount at which a person is presumed, under the law of the locale in which the Accident occurred, to be intoxicated, if operating a motor vehicle.
b. An autopsy report from a licensed medical examiner, law enforcement officer reports, or similar items will be considered proof of the Covered Person’s intoxication.
8. Being under the influence of any prescription drug, narcotic, or hallucinogen, unless such prescription drug, narcotic, or hallucinogen was prescribed by a physician and taken in accordance with the prescribed dosage
9. Travel or flight in any aircraft except to the extent stated in the Coverage Section.
THE COVERAGE OPTIONS AND AMOUNTS OF INSURANCE
PRINCIPAL SUM
Option I – Member Only Coverage
You may choose any of the following amounts:
$250,000
$200,000
$150,000
$100,000
Your Principal Sum equals the amount of insurance you choose subject to the reduction
schedule explained later.
Option II – Family Coverage
You may choose any amount of insurance for yourself as described above. The Principal Sum applicable to your covered dependents is an amount based upon the composition of your family at the time of loss and is expressed as a percentage of your Principal Sum as follows:
If your covered dependent child suffers a loss payable under the Plan, that child’s Principal Sum will equal 20% of your Principal Sum up to a maximum of $50,000.
If your covered spouse suffers a loss payable under the Plan, your spouse’s Principal Sum will equal 60% of your Principal Sum.