Girl Scouts Frequently Asked Questions

It is an activity carried out by registered Members of the Movement, under supervision of adults, in keeping with the Girl Scout Program Standards and Safety Activity Checkpoints.

There is no minimum premium per event. The $5.00 minimum applies to each online submission of an Enrollment Form. More than one event may be listed on an Enrollment Form.

To assure that every registered Girl Scout is automatically covered by accident insurance during normal supervised program activities. Coverage is automatic for all Girl Scout Members and participants.

The Basic Plan currently recognizes the following federal holidays:

• New Year’s Day (January 1)

• Martin Luther King Day (3rd Monday in January)

• Presidents Day (3rd Monday in February)

• Memorial Day (last Monday in May)

• Independence Day (July 4)

• Labor Day (1st Monday in September)

• Columbus Day (2nd Monday in October)

• Veterans Day (November 11)

• Thanksgiving Day (4th Thursday in November)

• Christmas Day (December 25)

For a new registrant who has met the requirements for membership, including payment of membership dues, insurance coverage becomes effective the date the volunteer receives the dues and appropriate registration paperwork. New Members and late re-registrants joining the group after the group’s registration has been sent will be covered effective the date the volunteer receives their registration and membership dues.

No, only sickness which is contracted and for which treatment begins while the coverage for the participant is in force is covered. Many HMOs, PPOs and other medical plans require prompt notice; don’t delay notifying the family’s insurance carrier if a preexisting condition is or might be involved.

To claim benefits, fill out a Claim Form (M18979). See Section 6, How to File a Claim.

Note: The council will need to review all claim forms and report serious accidents to its liability insurance carrier. Liability policies often provide medical payments. These may be in addition to plan benefits or in lieu of. Check with your agent/broker.

Unless a specific beneficiary designation has been made for this insurance and is on file with the company, the benefit for loss of life and other unpaid accrued benefits will be paid in accordance with the following surviving preference beneficiaries: (a) the Insured’s spouse; (b) the Insured’s child or children, jointly; (c) the Insured’s parents, jointly, or to the surviving parent; (d) the Insured’s brothers and sisters, jointly; or (e) the Insured’s estate.

United of Omaha’s toll-free number is: 1-800-524-2324

No. Only persons invited to attend or participate in a Girl Scout sponsored and supervised activity are covered under Basic Plan 1.

* It is expected that nonmember parents and others will be involved from time to time in Girl Scout activities just as they usually do in PTAs, community services, school events, etc., in providing transportation, chaperoning, decorating, visiting or just lending a hand. These activities are done without expectation of reimbursement for medical expenses in case of accidental injury.

Yes, but only if they are injured while participating in a Girl Scouts supervised activity.

The Basic Activity Accident Plan is not intended to diminish the need for or replace family health insurance; however, the Plan does pay for the first $140 in benefits. When $140 in benefits has been paid, any subsequent benefits for the same accident will be payable only for covered medical expenses that exceed the limit of benefits available under other forms of insurance or health care programs ... up to the maximum of $20,000. (This provision applies only to the medical expense benefits. The benefits for accidental loss of life, limb or eyesight are payable regardless of other insurance.)

Yes, optional coverage is available for such approved Girl Scout activities as nursery units at day camp, a special community group invited to join a Council-sponsored event, boys who are active participants in a co-ed activity.

*Optional Plans are available at Council’s discretion and at additional costs.

Sickness insurance is provided along with accident insurance under one of the Optional Plan 3’s.

Generally no, accidents which occur in the course of employment must be reported under workers’ compensation. Workers’ compensation provides not only medical benefits, but indemnity for time lost from work, if any. Check your state law. In some states, honorariums to volunteers, room and board, etc., will turn a volunteer into an employee for workers’ compensation purposes.

Plan 3PI provides accident and sickness insurance along with travel assistance services for trips or events which take place outside the USA. Plan 3P provides accident and sickness insurance as described in the Guide in section 3, for trips or events which take place in or out of the USA. However, keep in mind that Travel Assistance Services are not included under Plan 3P. Please note the return transportation and air ambulance expense benefits are provided by the AXA Assistance-USA Travel Assistance Coverage, and are higher than those under Plan 3P.

Reimbursement for eligible expenses under all Plans can be made by submitting a completed Claim Form (M18979), the providers diagnosis and a copy of the bill (charge slip) showing charges incurred for treatment.

Yes. Even though payment will be made to one doctor or hospital, a Claim Form must be fully completed for each person.

No. Coverage only applies to accidents which occur while traveling directly to and from the covered activity. Side trips or visits are not covered.

Yes. Since coverage for travel directly to and from an activity/event is covered, all days, including days traveled, should be included. For example, a group leaves home Friday afternoon and returns home Tuesday morning. Coverage must be arranged for five calendar days.

Yes, they are covered under the Basic Plan, if they are approved and supervised.

Yes, it is covered under the Basic Plan. The insurance includes travel to and from group meetings or activities, provided it is direct. The insurance does not cover accidents which occur during or after deviation from the direct route to or from the meeting place. For example, a parent picks up a Member(s) from a meeting, then proceeds to the shopping mall before returning home.

No. Personal activities engaged in by Members, individually or in groups, on their own are not included within the meaning of "approved, supervised Girl Scout activity."

*The Basic Plan of Activity Accident Insurance does not cover situations such as: (a) several Members who, apart from the Girl Scouts of which they are Members, are also personal friends or classmates and as such go swimming, camping, traveling to a recreation center or elsewhere; (b) a mother who is a volunteer who takes her daughter and her daughter’s friends, also Girl Scouts, on an outing; (c) two or three Girl Scouts of one group who, in the home of one, work on a project toward a badge without adult supervision; (d) some or all of the Girl Scouts on the way home after a troop meeting go to the movie or stop in at the mall.

No. These are individual activities conducted outside of the Girl Scout group setting and not under the direct supervision of Girl Scout group leadership.

Yes.

Yes. An example of such a program would be a Special Interest Group, which meets the criteria established for the activity to be considered Girl Scouting.

No. Sickness is not covered; only medical expense arising out of an accident during an approved, supervised activity is covered. However, illness caused by an accident, such as a poisonous snake or insect bite, would be covered.

Yes. Treatment received from a legally qualified dentist or surgeon for injuries to sound, natural teeth as a result of an ACCIDENT are covered. Coverage is only for such treatment received within the 52- week period immediately following the date of the accident unless, within that period, the dentist certifies that such dental treatment must be deferred. The estimated cost of the deferred treatment would be covered, but not to exceed the $5,000 maximum deferred dental benefit for each accident.

No. Only dental treatment to sound, natural teeth damaged as a result of an accident is covered by the policy.

Yes, if it can be shown that the group became ill due to food poisoning contracted during participation in the activity/event covered by Accident and Sickness Insurance.

Yes. The Optional Plan coverage and rates were developed on the basis of Girl Scout managed experience only. The Insurance Company relies on Girl Scout supervision and approval for all events and especially the adherence to health and safety standards.

If the program is planned and managed by Girl Scout staff (paid or volunteer) in accordance with Girl Scout Program Standards and has the approval of the Council, Plan 3P may be used. Family camping which encompasses structured Girl Scout programming — not just allowing families to camp on Girl Scout property – may be covered.

Note: Providing food and shelter only is not sufficient to allow for Plan 3P coverage.

Pre-Trip Services, Travel Assistance Services, Technical Assistance Services and Medical Assistance Services. Medical Evacuation (which includes but is not limited to Return Transportation and Air Ambulance Services) and Repatriation services are payable up to a combined single limit of $50,000. All services are subject to the terms and conditions of a service agreement with AXA Assistance-USA. Services must be provided by AXA Assistance-USA. No claims for reimbursement will be accepted.

No. Claim Forms are not required or submitted to AXA Assistance-USA.

AXA Assistance-USA can be reached at either of the following numbers:

When traveling within the U.S. call Toll Free: 1-800-856-9947

When traveling outside the U.S. call Collect or Direct: 1-312-935-3658