Unstable 9 #1 June 29, 2009 This is probably a revisit, but all the posts are 2004 era and I would like to start again fresh as I'm sure much has changed in the last 4 years... Can we get a list going for High deductible or overall individual or family health insurance companies that do NOT exclude parachuting accidents? I've heard that "Golden Rule Insurance" does in face not exclude jumping incidents? My wife and I would just feel better if we continue on jumping with some kind of insurance. Not that we ever plan on getting hurt, but we don't want an accident to drive us down financially. Also, there are demo's I'd like to get on that I can't without such coverage. We recently boughta policy with American Family. And after two weeks of "Are you SURE that this will cover parachuting and scuba accidents?" and answers in the affirmative from our agent, we buy a policy, then get a nasty letter 3 weeks later saying that Parachuting or Scuba accidents are exempt here on out. We filed lots of complaints and raised hell and they gave us all our $$ back, but now we are searching again... I think I'll call my regional director and see if we can get USPA to put together a list of Skydiver friendly insurers....that seems like a real threat to our sport and a good way for them to help us...=========Shaun ========== Quote Share this post Link to post Share on other sites
SEREJumper 1 #2 June 29, 2009 If you are in the Army or Air Force (or honorably discharged and live in Virginia, North Carolina or South Carolina) and want additional coverage. These guys have a good policy, and USAA couldn't beat them. Roughly $27 a month for 600,000. ALL AAFMAA policies have NO war, NO aviation, NO terrorist clauses, NO skydiving clauses. http://www.aafmaa.com/ Eligibility Applicants become AAFMAA members when they meet medical requirements and are issued a life insurance policy on their own life. Members can then purchase additional policies for themselves, their spouse, children and grandchildren. Our policies have no war, no aviation and no terrorism clauses. Unlike SGLI, after leaving the military, members can keep and buy more AAFMAA insurance. All member families receive Survivor Assistance Services at no charge. MEMBERSHIP ELIGIBILITY Army or Air Force personnel who are: Active Duty (or within 120 days after separation) Guard or Reserve(Full or Part Time) USMA and USAFA Cadets ROTC Contract/Scholarship Cadets Army and Air Force Retirees (through age 65) Honorably discharged veterans residing in Virginia, North Carolina or South Carolina LIFE INSURANCE ELIGIBILITY Members and spouses through age 99 (depending upon product selected) Children and grandchildren 6 months through age 17 (whole life only) Children and grandchildren ages 18-23 (whole life and Level Term I) Widows of members (for themselves and children/grandchildren of member)We're not fucking flying airplanes are we, no we're flying a glorified kite with no power and it should be flown like one! - Stratostar Quote Share this post Link to post Share on other sites
lost_n_confuzd 0 #3 June 30, 2009 QuoteMEMBERSHIP ELIGIBILITY Army or Air Force personnel who are: Active Duty (or within 120 days after separation) Guard or Reserve(Full or Part Time) USMA and USAFA Cadets ROTC Contract/Scholarship Cadets Army and Air Force Retirees (through age 65) Honorably discharged veterans residing in Virginia, North Carolina or South Carolina What about Marines? I'm within 120 days of my seperation and am very interested in this policy. I also reside in Virgina..... I'm looking into this, thanks for sharing! Quote Share this post Link to post Share on other sites
peek 21 #4 June 30, 2009 QuoteCan we get a list going for High deductible or overall individual or family health insurance companies that do NOT exclude parachuting accidents? To let everyone know, I contacted USPA HQ and they do not keep a list. Their recollection is that if a company offers group health insurance to employees, that it cannot discriminate against specific (sports) activities. I think the answer is that everyone needs to check their policy to be sure. I checked my individual Anthem Blue Cross/Blue Shield and it has no exclusions for sports activities, and for most other activities except riots, * nuclear war, etc. * I think I'll stop here before this thread gets moved to SC. Quote Share this post Link to post Share on other sites
DrewEckhardt 0 #5 June 30, 2009 QuoteQuoteCan we get a list going for High deductible or overall individual or family health insurance companies that do NOT exclude parachuting accidents? To let everyone know, I contacted USPA HQ and they do not keep a list. Their recollection is that if a company offers group health insurance to employees, that it cannot discriminate against specific (sports) activities. NO. HIPAA rules both prohibit denying coverage based on involvement in recreational activities and allow source-of-injury restrictions while participating in those activities. IOW group plans are required to accept skydivers, but can refuse to cover the $40,000 for your broken leg unless it happened falling off the ladder on your way into the plane. The American Motorcycle Association and horse people are trying to get the regulations changed. Quote I think the answer is that everyone needs to check their policy to be sure. Right! Quote Share this post Link to post Share on other sites
peek 21 #6 June 30, 2009 QuoteHIPAA rules both prohibit denying coverage based on involvement in recreational activities and allow source-of-injury restrictions while participating in those activities. IOW group plans are required to accept skydivers, but can refuse to cover the $40,000 for your broken leg unless it happened falling off the ladder on your way into the plane. Thanks for the clarification. Quote Share this post Link to post Share on other sites
