LITTLE LEAGUE INSURANCE POLICIES

 

Little League accident insurance covers only those activities approved or sanctioned by Little League Baseball, Incorporated.  San Clemente Little League (Majors), Minor League and Tee Ball, Junior League, Senior League and Softball participants shall not participate as a Little League in games with other teams of other programs or in tournaments except those authorized by Little League Baseball, Incorporated. However, they may participate as individuals in other programs during the Little League regular season and tournaments provided such participation does not disrupt the Little League season or tournament team.  Unless expressly authorized by the Board of Directors games played for any purpose other than to establish a League champion or as part of the International Tournament are prohibited. (See IX - Special Games, pg.15 in the Rule Book for further clarification)

Explanation of Coverage

The AIG Little League’s insurance policy (see in Appendix) is designed to afford protection to all participants at the most economical cost to the league. It can be used to supplement other insurance carried under a family policy or insurance provided by a parent’s employer. If there is no other coverage, AIG Little League insurance - which is purchased by the League, not the parent - takes over and provides benefits, after a $50 deductible per claim, for all covered injury treatment costs up to the maximum stated benefits.  This plan makes it possible to offer exceptional, low-cost protection with assurance to parents that adequate coverage is in force at all times during the season.

San Clemente Little League Insurance Policy is designed to supplement a parent’s existing family policy.

How the Insurance Works

1. First have the child’s parents file a claim under their insurance policy; Blue Cross, Blue Shield or any other insurance protection available.
2. Should the family’s insurance plan not fully cover the injury treatment, the Little League AIG Policy will help pay the difference, after a $50 deductible per claim, up to the maximum stated benefits.
3. If the child is not covered by any family insurance, the Little League AIG Policy becomes primary and will provide benefits for all covered injury treatment costs, after a $50 deductible per claim, up to the maximum benefits of the policy.
4. Treatment of dental injuries can extend beyond the normal fifty-two week period if dental work must be delayed due to physiological changes of a growing child. Benefits will be paid at the time treatment is given, even though it may be some years later. Maximum dollar benefit is $500 for eligible dental treatment after the normal fifty-two week period, subject to the $50 deductible per claim.
   
   

Filing a Claim

When filing a claim, (see claim forms in appendix) all medical costs should be fully itemized. If no other insurance is in effect, a letter from the parents or guardians or claimant’s employer explaining the lack of Group or Employer insurance must accompany a claim form.  On dental claims, it will be necessary to fill out a Major Medical Form, as well as a Dental Form; then submit them to the insurance company of the claimant, or parent(s)/guardian(s), if claimant is a minor. “Accident damage to whole, sound, normal teeth as a direct result of an accident” must be stated on the form and bills. Forward a copy of the insurance company’s response to Little League Headquarters. Include the claimant’s name, League ID, and year of the injury on the form. Claims must be filed with the Safety Officer. He/she forwards them to Little League Baseball, Incorporated, PO Box 3485, Williamsport, PA, 17701. Claim officers can be contacted at (717) 327-1674 and fax (717) 326-1074. Contact the Safety Officer for more information.

 

More details and the insurance claim form can be found the the Little League website at How to Submit An Insurance Form