Accident Insurance Programs for Club and Intramural Sports Participants

Risk Strategies is proud to offer affordable accident insurance programs for Club Sports and Intramural Sports players from participating NIRSA institutions! Through this partnership, NIRSA institutional members will have access to cost-effective insurance plans*, which helps pave the way for safe participation and continued well-being for all involved students.

• Eligibility: All Institutional Members of NIRSA are eligible to enroll in this program.
• Insured Person: The plans cover all student participants of an approved institution’s Club Sport or Intramural Sport Program as listed on their census.

Insured Activities

CLUB SPORTS — Each plan cover injuries that occur during a Club Sport’s practice, games, contests, or matches. Participants are also covered while traveling, as defined in the applicable Basic and/or Catastrophic Policies (see below).

INTRAMURAL SPORTS — The plans cover injuries that occur during play of insured Intramural games, contests or matches. Participants are covered while traveling, as defined in the applicable Basic and/or Catastrophic Policies (see below).

Plan Highlights

Basic accident medical insurance

• A Medical/Dental benefit of $30,000 per person, per accidental injury covered in the plan.
• Benefits are payable for covered expenses exceeding the deductible and/or for expenses that are not recoverable from any other insurance policy or service contractor worker’s compensation coverage.
• Benefits are payable for expenses incurred within TWO years from the date of injury.
• Standard deductibles of $250, $500, $1,000 and $2,500—with higher amounts available upon request.
• $10,000 Accidental Death & Dismemberment Benefit.

Catastrophic injury insurance

• LIFETIME Medical, Dental and Rehabilitation Benefits with a MAXIMUM of $5,000,000.
• Monthly Benefits payable if Totally Disabled or Partially Disabled.
• A Covered Accident Deductible of $25,000; $30,000 or $50,000 (as selected by school) for medical, dental or rehabilitation expenses, which must be incurred within TWO years from the date of injury.
• Benefits are payable for covered expenses which exceed the deductible
• Benefits are payable for expenses not recoverable from any other valid and collectible insurance or similar benefit program
• $10,000 Accidental Death & Dismemberment Benefit.

Additional Benefits for Total Disability

• Home and Vehicle remodeling and adaption are payable up to $100,000 in the first ten years and $50,000 each subsequent ten years.
• Up to $100,000 additional insurance coverage for other injuries or illnesses not related to the initial catastrophic injury; after the $5,000 Calendar Year deductible has been met.

To request a proposal, please complete the NIRSA Census Form (Intramural Sports Form and Sport Club Form) and submit it to Carol Malouf at Risk Strategies.

You can also contact Risk Strategies by calling (801) 412-2622.

*This outline summarizes the provisions of the policies underwritten by Mutual of Omaha Insurance Company. Should there be any discrepancy between this outline and the policy, the policy provisions will prevail.