A note from the National Service Center, August 27, 2018:
There have been a number of questions about accident and sickness insurance coverage for recruiting Scouts BSA girls. In discussion with BSA’s Risk Management Team and in reviewing the Accident and Sickness brochure (above), below is the following policy for accident and sickness coverage:
Accident and Sickness Coverage
Accident and sickness insurance (also known as accident and health insurance) coverage for Scouts and Scouters furnishes medical reimbursement in case of death, accident, or sickness within the policy amounts. Information regarding unit accident coverage is available through the local council. The coverage provided has maximum limits it pays and a maximum benefit period, usually 52 weeks from the date of the incident.
Coverage is excess of all other insurance or health care plans in force. This policy is excess to any and all other available sources of medical insurance or other health care benefits.
All registered youth and seasonal staff are eligible, as well as registered leaders and volunteer leaders.
The coverage provided has maximum limits it pays, and a maximum benefit period, usually 52 weeks from the date of the incident. The plans do not “take care of everything.” Claims should be filed with the accident and sickness carrier as soon as possible, along with any other source of medical insurance or other health care benefits.
Accident and sickness plans and insurance companies have specific procedures for processing claims. Volunteers need to check with their local council to verify which plan/policy their council provides or is available.
Who are considered eligible youth and volunteers? Non-Scouters are covered for accident and sickness, but only while attending scheduled activities for the purpose of becoming registered leaders and Scouts.
So, if you are conducting an event, meeting, or activity with the purpose of recruiting youth and/or leaders, BSA’s accident and sickness insurance will cover you. Just like always, it’s a secondary policy, so your insurance kicks in first, then the accident and sickness insurance pays as a secondary insurance.