PROTECTING

YOURPLAY

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Do you know what my favorite part of the game is?

The opportunity to play.

—Mike Singletary

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As the NAIA’s Official Athletic Insurance and Risk Management Consultant, Relation Insurance Services has been working with the national office and member institutions for more than twenty years. They have the experience and knowledge to help member institutions navigate complex cost containment and risk management strategies needed in the small college athletics setting.

This brochure contains a general summary of products and services institutions may wish to consider. Contact Relation Insurance for custom-tailored solutions designed to meet your specific athletic program needs.

Standard Policy Benefits• Fully-insured and self-funded options

tailored to meet needs

• Benefits paid at 100% of usual & customary charges

• $25,000 excess basic accident medical maximum

• Two-year benefit period

• $15,000 standard accidental death & dismemberment benefit for covered injuries (other maximums available)

• Dental benefits paid to the policy medical maximum

• Optional $5,000 blanket primary insurance plan with a $0 deductible

Third-Party Administration / Claims Processing without the HeadacheDealing with claims does not have to be stressful. Full-service proprietary in-house processing helps make claim adjudication painless. Questions about benefits, coverage, and claims status are answered quickly and in accordance with HIPAA privacy and security regulations.

Dedicated Examiner and Customer Service RepresentativeTo help ensure claims are processed efficiently, every participating institution is assigned a dedicated claims examiner to handle all of their claims. Campus staff can easily communicate with their assigned team to receive legendary service.

Online Electronic Claim FormIncident reports can be completed and submitted online for quick and easy handling. Mailing paper forms is unnecessary.

Custom ID Cards for Student-AthletesInstitutions are issued custom ID cards that can be given to student-athletes after being referred for medical care outside of the athletic training room. The ID cards contain all of the information providers need to expedite claims submission and processing.

Seamless Claims Transition from Basic Coverage to NAIA Catastrophic CoverageOnce a claim reaches the $25,000 medical maximum on the NAIA basic accident medical plan, the claim is automatically transitioned to the catastrophic plan on behalf of the institution.

Claims Reporting and AnalyticsStandard loss reports and analytics can be provided quarterly to help institutions better understand claims experience, identify cost management strategies, and make data-driven decisions. Customized, ad hoc reporting is also available.

Optional Insurance Verification ServiceClaim payments by students’ primary insurance may vary for intercollegiate sports injuries, and low or limited benefit levels can negatively impact an institution’s basic athletic insurance premiums. Ensuring student-athletes have primary medical insurance that covers participation in intercollegiate sports is critical to cost containment.

Optional BenefitsExpanded Medical BenefitAllows for sports related injuries such as tendonitis, strains, stress fractures, and more.

Re-Injury BenefitAllows for coverage of re-injury or aggravation of an injury sustained prior to the effective date of the policy provided the Covered Person was provided medical clearance to participate. In the appropriate athletic activity of the Policyholder and such re-injury or aggravation occurs in a covered activity.

HMO/PPO BenefitAllows for expenses denied or reduced by the primary carrier for non-compliance with their plan guidelines regarding provider usage.

Heart or Circulatory Malfunction Death BenefitIf an Insured suffers Loss of Life resulting from Heart or Circulatory Malfunction (as defined in the policy), within 90 days from the date of participating in a scheduled game or supervised practice relating to the first diagnosis, the plan will pay, on behalf of the Insured, a lump-sum benefit.

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Other Programs Available to NAIA InstitutionsIn addition to basic medical insurance, institutions may have other sport-related exposure as well. A complete insurance review can help determine whether additional coverages such as those listed below are warranted.

College Accident and SicknessComprehensive student insurance plans provide students an affordable means to obtain health care. Often a school-sponsored plan is a student’s best choice for affordable, easily accessible insurance coverage. Plans can be tailored to fit institutional needs and students’ budgets while offloading administrative responsibilities from campus staff:

• Domestic Student Health Insurance

• International Student Health Insurance

• Mandatory Student Accident Plans

• Intercollegiate Sports Coverage Riders

• Plan Enrollment and Waiver Processing Services

• Student Health TPA-Only Services

General InsuranceColleges have specialized insurance needs that extend beyond sports programs and may wish to consider other lines of coverage such as:

• Commercial general liability

• Participant legal liability

• Accident medical

• Catastrophic medical

• Accidental death & dismemberment

• General property & casualty coverages (property, inland marine, crime, etc.)

• Workers’ compensation

• Directors and officers liability

• Event cancellation/loss of revenue

• Prize indemnification/promotion insurance

• Employee benefits

• Long term disability

• Club and/or Intramural Basic Accident Medical

• Club and/or Intramural Catastrophic Medical

• Expanded Activities/Cheerleading Accident Medical

• Camp and Clinic Insurance

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To Obtain a Quote:• Visit Relation Insurance Services online at www.4studentathletes.com/naia

• Complete the appropriate quotation request form

• Supply the information indicated

• Contact Relation Insurance Services at (800) 955-1991 with any questions

Overland Park Office9225 Indian Creek Parkway, Suite 700

Overland Park, Kansas 66210(800) 955-1991, ext. 5614

Salt Lake City Office2180 South 1300 East, Suite 520

Salt Lake City, Utah 84106(800) 955-1991, ext. 2626

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