As a Conservation Intern you are automatically covered by SCA’s accident insurance, which provides 24-hour coverage for accidental injuries only during working and non-working hours. This insurance is an excess coverage policy, so you must use any other medical/health insurance policy you have available (of your own, or your parents) first. If you have no other insurance, SCA’s accident insurance becomes the primary policy. You will find a National Union insurance card included below. Please print it and keep it where you can easily access it.
If using SCA’s accident insurance, complete a claim form (we will send one to you or the SCA Coordinator at your site should you be involved in an accident) and return it to SCA along with any bills for authorization. Do not send the form to the insurance company! If the claim is approved, the insurance company will pay the hospital or clinic or reimburse you, as appropriate. Please read Information on Accident Insurance [link to this page] for details on coverage, benefits and exclusions.
Conservation Interns participating in a 6-12 month program who do not have medical coverage of their own will be provided medical coverage through Mega Life Insurance Company.
The limits and exclusions of the accident insurance policy are described below. This plan pays for reasonable expenses incurred within 52 weeks of the date of the accident, up to the maximum allowed by the policy, which are not covered by other insurance. This insurance policy does not include coverage for non-accident (e.g. illness) medical expenses.
Up to $100,000 Blanket Accident Medical Treatment and Accidental Death & Dismemberment.
The above benefits are payable for a covered loss occurring while participating in a Student Conservation Association program. The coverage is 24-hour accident protection for the entire term of participation in an assigned program. The Blanket Accident Medical Treatment benefit is payable for actual charges in excess of reimbursement you receive or are entitled to from other insurance or prepaid medical programs. This insurance policy is not in effect anytime that you are working a paying job in your off hours or if you are hired temporarily by the agency to which you are assigned.
Benefits will not be paid for a Covered Person’s loss that is:
1. Caused by or resulting from:
(a) intentionally self-inflicted injury, suicide or any attempt or threat while sane; or self-destruction or attempted self-destruction while insane;
(b) voluntary self-administration of any drug or chemical substance not prescribed by, and taken according to, the directions of a doctor;
(c) any loss which is covered by state or federal Worker’s Compensation, employer’s liability or occupational disease law;
2. Caused by or resulting from:
(a) declared or undeclared war or an act of either;
(b) riding as a pilot or crew member in any vehicle or device for aerial navigation;
(c) service in the armed forces of any country; however, orders to active military service for two months or less shall not constitute service in the armed forces;
(d) sickness or disease, except pyogenic (pus forming) infections which occur through an accidental cut or wound;
3. Caused by or resulting from:
(a) normal health checkups;
(b) dental care or treatment other than care of sound, natural teeth and gums required on account of injury resulting from an accident while the Covered Person is covered under this policy, and rendered within 6 months of the accident;
(c) services or treatment rendered by a doctor, nurse or any other person who is:
(i) employed or retained by the Policyholder or Participating Member; or
(ii) who is the Covered Person or member of his/her immediate family;
(d) charges which:
(i) the Covered Person would not have to pay if he/she did not have insurance; or
(ii) are in excess of Usual and Customary charges;
(e) expenses for nervous or mental disease or disorders, except as specifically provided for in the policy;
(f) expenses to the extent that benefits or services are provided by any Health Care Plan but only to the extent that such benefits relate to charges of the type included under covered medical expenses. In no event shall such reduction reduce total benefits payable beyond an amount equal to 100% of total allowable expense;
(g) alcoholism or drug addiction, except as specifically provided for in the Policy;
(h) eyeglasses, contact lenses, hearing aids or examinations or prescriptions therefore.
National Union Fire Insurance Company of Pittsburgh, PA
AIG Claims Services
The Student Conservation Association, Inc.
P.O. Box 550
Charlestown, NH 03603-0550
Intern Signature Social Security #
The material contained on this site is provided for general information purposes only and is not a complete description of all terms, conditions and exclusions applicable to the product described. For a complete and up-to-date description of the terms, conditions and exclusions of insurance coverage please contact the SCA Conservation Internship program at 603-543-1700.