Specialized Accident Insurance Program

The Volunteer and Student Nurse Insurance Program insures hospital volunteers and student nurses who are injured while performing authorized hospital volunteer and student nurse activities.

The AHA Volunteer and Student Nurse Insurance Program, developed in collaboration with the American Hospital Association and AXIS Accident & Health, is your cost-effective option for insuring your hospital volunteers and student nurses who are injured while performing authorized hospital volunteer and student nurse activities – whether on or off your hospital’s premises. The Program offers flexible benefit levels and premiums that meet the specific needs of your health care organizations – without deductibles or co-payments.

Each plan includes:

  • Coverage for Medical Expenses that result from covered accidental injuries
  • Coverage for Accidental Death and Dismemberment
  • $50,000 Benefit for Paralysis
  • Coverage for Dental Expenses resulting from accidental injuries up to the Plan Maximum
  • $25,000 for HIV
  • $25,000 for Hepatitis B, C, and D
  • Up to $1,000 for Bereavement & Trauma Counseling
  • Aggregate Limit of Indemnity $500,000, applicable to Accidental Death & Dismemberment Benefits only
  • No deductibles

Program Benefits

Accident Medical Expense Benefit If an insured person incurs a covered expense due to a covered injury within 365 days from the date of a covered accident, benefits are payable at 100% of the usual and customary charge, up to the Accident Medical Benefit Maximum selected. The first covered expense must be incurred within 60 days of a covered accident. Covered expenses include:

  • hospital confinement, including room and board (limited to the average semi-private room rate) and hospital miscellaneous expenses;
  • intensive care room and board expenses (This payment is in lieu of payment for hospital room and board expenses.);
  • inpatient and outpatient physician visits;
  • surgical expenses (Two or more surgical procedures through the same incision will be considered as one procedure. However, the Company will pay up to 150% of the benefit for surgical procedure when more than one surgical procedure is performed during the same surgical session through different operating fields);
  • emergency room expenses;
  • nursing services;
  • x-ray, CT scan, MRI and laboratory tests;
  • outpatient medical services and supplies;
  • inpatient and outpatient physiotherapy;
  • ambulance expenses (ground or air);
  • expenses for medical equipment; and
  • dental expenses, including x-rays and oral surgery