A quick note, as I'm a health/life agent. Individual health policies have
always been able to exclude coverage for certain dangerous activities
(skydiving, rodeo, rock climbing, deep sea scuba diving and participation in
speed events are common ones).
The law gives group carriers (what you have if you're filling out forms in
October) that same ability - but, to some extent they've always been able
to. It does not give the insurer the ability to deny coverage to a person -
it only gives them the ability to limit that coverage to exclude certain
activities.
Every carrier has different rules and most group carriers have never heard
of autox. You will need to carefully read your policy (or, if you only have
a certificate, ask the company for a definitive ruling - get it in writing)
to know for certain. You'll probably be surprised that injuries from
acitvities you also participate in are not covered (people with children in
organized sports should check this carefully - some have very specific
exclusions.
You should also note that exlcusion laws vary by state, so if you work for a
large, multi-state company what applies to the base policy at the home
office may not apply in your state. Your local State Insurance
Commissioner's office can give you answers.
Carol Holt
Council of Motorsports Clubs
www.cmcrmr.com
-----Original Message-----
From: owner-autox@autox.team.net [mailto:owner-autox@autox.team.net]On
Behalf Of Darren Madams
Sent: Monday, November 26, 2001 4:12 PM
To: autox@autox.team.net
Subject: Health coverage for "dangerous activities" aka racing?
Just finishing up the paperwork for open enrollment, and I remembered
there was some stink earlier this year about a new law coming into
effect that would allow health companies to deny coverage (either in
whole, or per incident) if you participate in [undefined] "hazardous
or dangerous sports or activities"... since I assume autocross, and
definitely kart sprint racing falls under that banner, has anyone had
any experience being denied coverage or anything? I assume the SCCA
medical coverage will kick in if mine doesn't, but I'm curious as to
the progress of the law and its effects.
For reference, here's a page with a couple of links I found quickly
http://www.nynjtc.org/issues/2001/helcover.html
I heard about it through my fiances horse activities (AHC)
--Darren
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