The Short Answer
Accident medical coverage — also called participant accident insurance — pays for a participant's medical expenses when they are injured during an organized sports activity, regardless of fault. It fills the gap between a participant's health insurance deductible and the actual cost of care.
This coverage is especially valuable for youth sports organizations because many families either lack health insurance or face high deductibles. Without accident medical coverage, injured players may look to the organization to cover their bills.
A typical accident medical policy covers emergency room visits, doctor visits, surgery, hospitalization, and physical therapy up to a stated maximum benefit (commonly $25,000–$100,000 per participant, per accident).
Players Health bundles accident medical with general liability in most youth sports policies, ensuring that both the organization's liability exposure and the participant's medical costs are addressed by a single integrated program.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical | ✓ |
| Accident Medical | – |
| Directors & Officers | ✓ |
| Abuse & Molestation | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |