Program Inception: 10/01/02

The member accident protection program of the fraternity is a benefit of membership. The program is intended to compliment the health insurance program of every undergraduate member of the fraternity for accidents incurred during the undergraduate term. The premium for this program is paid by the fraternity and the program may be cancelled or changed at the sole discretion of the fraternity at any time. The information provided is for information purposes only and is not intended to replace the insurance contract. For specific information regarding any claim, please contact Hobbs Group/Kirklin & Co, LLC.

All eligible undergraduate members of the fraternity are insured for covered injuries which are incurred while the policy is in force and occur while:

In good standing with the fraternity. Membership will be verified with the national administrative office of the fraternity so be certain your membership has been reported and all pledge, initiation, undergraduate dues and risk management/insurance fees have been paid.

An enrolled student at an institution of higher learning where there is an undergraduate chapter of the fraternity, except during appropriate holiday or summer breaks. If a covered injury occurs during a holiday or summer break, the eligible member will have had to have been an enrolled student during the prior school term and continuing at an institution of higher learning the following term.

The following limits of protection are provided:

$100,000 Accident Medical Expense Maximum
$100,000 Accidental Dental Injury Maximum
$10,000 Accidental Dismemberment Benefit
$5,000 Accidental Death Benefit
52 Week Benefit Period
Primary Excess over $500
$25 Deductible

The policy will pay the first $500 of covered medical expense incurred without regard to whether or not other coverage is available.

Additional benefits will be paid only when eligible medical expense is not recoverable from any other insurance policy, service contract or workers' compensation policy. This policy will reimburse deductibles and co-pays of health insurance programs.

The medical deductible must be satisfied before additional benefits are paid after payment of the first $500 of covered medical expense incurrs.

Benefits for any one accident shall not exceed, in the aggregate, the Medical Expense Maximum.

In the absence of any other applicable coverage, the coverage provided is primary.

When, because of covered injuries, the Insured sustains any of the following losses within 100 days after the date of the accident, the Company will pay benefits for loss of:
                    Two or more members................100%
                    One member...............................50%
Member means hand, foot or sight of eye. The percentage shown is applied to the Accidental Dismemberment Principal Sum. Loss means severance of the limb at or above the joint and total and irrecoverable loss of the entire sight. Benefits are paid in addition to any other benefits and loss must occur within 100 days after the date of the accident. Only one of the amounts (the largest applicable) will be paid for any one accident.

The Company will pay the Accidental Death Principal Sum when a covered injury results in the Insured's death. Death must occur within 100 days of the covered accident. If Accidental Death benefits have been paid for a loss resulting in the same accident, the Accident Death Benefit will not be payable. To receive benefits, loss must be independent of sickness and all other causes.

Suicide or attempted suicide
Riding in a vehicle for aerial navigation, other than commercial aircraft used for transportation of passengers.
Riding on a two or three wheel motor vehicle.
Expense covered by any other policy
Hernia, in any form.
Sickness or disease, in any form.
Fighting (unless innocent victim)
Injuries due to intramural tackle football, hockey or rugby. All other intramural activities are covered.
All intercollegiate sport participation including off season conditioning.

Hobbs group/Kirklin & Co, LLC
PO Box 540673
Omaha, NE 68154
Phone: (800) 736-4327
Fax: (800) 328-0522
E-Mail: Claims@Kirklin.com
http://www.kirklin.com/

When you call to report a claim you will need to reference that you are reporting this claim as a member of the fraternity program.