NSCC INFORMATION LETTER 10-00
1. Purpose. To remind all units of accident only coverage of NSCC Insurance Policy. 2. Background: Policy coverage is based on an accidental injury and pays under the following conditions:
An accident is a sudden, unexpected occurrence from an external force resulting in bodily harm; physical trauma. When considering claims for payment as an accidentm the cuase of the condition must meet both of the criteria below: 3. Based on the above criteria, the following examples of medical conditionas are payable under the NSCC policy, abrasions, bites, concussions, contusions, food poisoning, incision, laceration, poison ivy, puncture, removal of foreign body, sprains, stings, strains, and sunburn. First time only diagnosis for drug overdose, self-inflicted injury, and suicide are also payable 4. The insurance company does not consider as covered accidental-injury expenses, charges for recurrent injuries or pre-existing conditions. For example, Tennis Elbow, Runner's Knee, re-sprains, allergic reactions, non-traumatic noseblleds, work-related injuries, or re-breaks of broken bones still healing. Those charges (expenses) which do not meet the criteria for accident-injury expenses are to be considered not being covered for NSCC medical insurance purposes and the parents are responsible for the expenses. 5. Unit commanding officers will find that our insurance policy covers most legitimate accidental injuries. As best you can ensure we do not send someone to a commercial medical facility unless there is a real need. Also note that the forst $50.00 is deductible and the responsibility of the parent.
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