Why As someone a high-risk do I else, need sport, being Hockey there injured Insurance? are HOCKEY while chances playing. of you or INSURANCE PROGRAM CARHA player injure someone. on Hockey player provides incidents Liability the event protection that you for This meet provides protection the protection needs also of ice for provides rental league contracts liability executives, coverage and to organizers, managers, trainers teams, players, and volunteers. spares, coaches, What CARHA inclusive) is Hockey's the Cost Membership of Hockey Insurance? application per fees, player supplemental annually - registration Program no taxes, hidden fees, $23 (all late fees. or How CARHA Long Hockey's am I Covered insurance For? Accidental Medical and Dental coverage Coverage is in effect (100% October Coverage) 1 -September 30 each year (includes summer hockey). If are www.carhahockey.ca you able get to injured submit while your or on claim by the contacting using ice playing the the Sport hockey CARHA Accident and Hockey need Claims office. to seek form, The treatment, which coverage can as be extended a found CARHA on to our Hockey you website will member at you contingent upon the minimum equipment requirements and all other policy particulars.
The For On-ice following Sport pages Accident explain Insurance some of (100% the many coverage benefits - of no CARHA deductibles) www.carhahockey.ca a complete listing of all benefits and additional information, Hockey's please visit on-ice our website Hockey Insurance at Program. they Dental were coverage wearing (Full a full facial face Protection cage visor and and Mouth mouth Guard guard uard): at Members the time of can injury. submit up to $2000 in dental receipts if Dental wearing Coverage at minimum (Half a half Visor visor and and Mouth mouth Guard): guard Members at the time can of submit injury. up to $1500 in dental receipts if they were Physiotherapi expenses. new on-ice therapist The injury treatments / Chiropractor and hiropractor: not due must to Members the prescribed "aggravation" can by submit a of licensed a up pre-existing to $750 physician. injury Physiotherapist The or treatment condition. / Chiropractor must also be therapy a result of a prescribed "aggravation" Massage Therapy: by of a licensed a pre-existing Members physician. can injury submit The or condition treatment up to $750 must in massage also be a therapy result of receipts. a new on-ice The treatments injury and not must due be to the Psychological must be prescribed Therapy: by a licensed Members physician. can submit up to $5000 for the cost of Psychological Therapy. The treatments Prescription ambulance ride, Drugs, prescription Licensed drugs Ambulance or a registered Services: nurse Members as a result can submit of an on-ice up to $5000 injury. for the cost of an Vision only This be excludes Care used Expenses: as the a replacement result Members of a hockey of can existing injury submit glasses where up to a $100 vision contacts. should exam they or vision need correction to seek vision equipment care. This now benefit necessary. can Hearing up result to $750 of Aids, an should on-ice crutches, they hockey need splints, injury assistance splints, and the casts, from devices the orthopedic must aforementioned be devices, prescribed device trusses, for everyday aids. medical This use. braces: benefit can Members only can used submit as a 2
Loss limb that is lost. of so Limbs: (see traumatic actual Members that Policy they can for lose submit details). a limb. a claim A percentage for loss of of limbs the Capital should they Benefit sustain of $40,000 an injury is given while depending playing hockey on the Artificial hockey injury. Limbs: Members can submit up to $3000 in the event that an artificial limb is required as a result of a Accidental hockey, specifically CARHA Death identify Hockey Benefit: the cause covers In the of the up case to death $20,000. of a was player as For losing a direct this their coverage result life of accidentally to the be game applicable, of as hockey. a direct the Coroner s result of the report game must of Commercial General Liability Liability Coverage Coverage (CGL) (CGL) taken standpoint, this covers you in case that you is injure extended another to all player players while and playing league hockey executive. and legal From action the player on-ice against you. In terms of the league executive, CGL provides coverage the case of a liability arising is the incident incidents. be deemed CGL coverage criminal, provides these would members fall outside with up the to scope $10,000,000 of a CGL per policy. incident. Please note that should from event Directors that and they Officers: are held coverage Provides responsible is financial $5,000,000. conjunction protection with to the league s performance board of of their management duties as it and/or relates directors the league. in the Errors them responsible and Omissions: for failure Protects of delivery the league of services executives, as promised. directors, Errors sponsors and Omissions from players coverage who claim is $1,000,000. or hold Additional covered under Insured: the league s Coverage liability extended policy to with any respect facility, municipality, to their involvement business with or the sponsor insured that member is required group. to be Coverage Conditions verbally is for effective Insurance activated or otherwise. upon Upon the receipt commitment of player from rosters the and league applicable organizer/league membership decision fees, the maker membership whether received administration. within CARHA Hockey s systems. Claims may not be honored for teams / leagues delinquent is wear Play must be within the adult recreational/oldtimer ranks, non-contact and all players in 100% CSA of the approved sport accident helmets. insurance As a secondary coverage. insurance provider, please note that you are eligible e to receive must 3
GLOSSARY Facial protection OF policy IMPORTANT - Players wearing TERMS internal players not or external wearing mouth facial protection guard will be equipment allowed full facial will to submit not protection be a insured medical and for mouth (facial a facial guard injury or dental )and/or half shield injury. dental (visor) claim. with Member an above Dental minimum claims - Accidental facial protection dental equipment injury coverage is worn. shall only apply to whole, sound, natural teeth providing the MRIs Loss of - Earnings The insurance - The program insurance DOES program NOT DOES cover NOT MRIs Outside of Canada coverage - Members traveling to the include US to play Loss hockey of Earnings CARHA coverage. are Members covered are for not all covered on-ice activity for participating and accidental non-sanctioned coverage for CARHA hockey injury Hockey related Tournament claims Hockey while in the sanctioned in U.S. the and U.S. are events strongly Commercial Canada advised to be General defended to obtain Liability by Travel the coverage, Insurer. Insurance there in is the worldwide event of illness coverage or accidental providing any injury. legal With action respect is brought to the in Spare full membership Players - fee. Spare players are permitted to play up to five games before they will be required to submit the Players (at teams/leagues no additional participating only, cost hence, in and more any their than time insurance one during CARHA the would season) Hockey be in to Member effect. those As playing League/Team such, on CARHA other - CARHA Hockey Player(s) Hockey members coverage registered are extended required to submit their membership once during a hockey season (October 1st to September 30th). only Important participating organization Notice: in may the be CARHA game jeopardized. of Hockey hockey. and Should its insurers such activity do not present support itself, the use the of insurance alcohol and/or coverage drugs provided while by our Pregnancy: Please hockey. note For safety that CARHA coverage purposes, Hockey does welcomes however, not apply we the to recommend participation injuries sustained that of pregnant you that consult affect women your the who physician term wish of your to prior play pregnancy. to adult playing recreational hockey. 4
Should you wish to receive following further CARHA information Hockey or discuss staff for potential any assistance. opportunities, please contact the MEMBERSHIP Karen Salaj / INSURANCE INQUIRIES ksalaj@carhahockey.ca Manager, Membership Services Coordinator, Ashley aburrill@carhahockey.ca Burrill Membership Services and Women s Hockey MEMBER Laurie Manager, Snider Member SERVICES Services / ADMINISTRATION and Administration INQUIRIES lsnider@carhahockey.ca Mike TOURNAMENT Ostrom SUPPORT INQUIRIES mostrom@carhahockey.ca Manager, Hockey Programs Coordinator, Lucy lpeeling@carhahockey.ca Peeling Hockey Programs SPORT Angelina Customer ACCIDENT Fonzo Service Representative T CLAIM INQUIRIES afonzo@carhahockey.ca 5