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Personal Accident and Medical Expenses Cover for Helpers and Supporters – Frquently Asked Questions

Who can be covered?

Those who do not appear in the annual census of members such as helpers and instructors are not automatically included within the cover arranged by the Association. However they can be covered under a separate policy upon payment of a small premium.

For details of Personal Accident and Medical Expenses Insurance Policy for Helpers/Supporters, please see:

What is the difference between the cover for Members and Helpers?

The cover that the Members receive is on a group policy purchased by The Scout Association.

The cover that helpers and supporters receive is on a separate policy purchased by Scout Groups, Districts or Counties.

There are no differences in terms of the cover or level of benefits for Members and non-members covered under their separate policies.

When am I covered?

You are covered for an accident which arises whilst you are travelling to, participating in, or travelling home from any authorised Scout activity.

What am I covered for?

Benefits are payable if an insured helper sustains bodily injury as a result of an accident which results in permanent injury or death. In addition to this, benefits are also provided if a member or insured helper sustains temporary disability as a result of an accident or illness contracted and diagnosed whilst staying away from home at any organised camp.

Cover is also provided for medical expenses as a result of an accident and cover for up to two relatives or friends who, on medical advice, are required to travel to and remain with the member or insured helper if they are hospitalised away from home.

The full terms, conditions and exclusions for non-members and helpers are contained in the Personal Accident and Medical Expenses Insurance Policy for Helpers/Supporters policy wording,

IMPORTANT NOTICE – Executive Committees

You may be aware that in 2016 The Scout Association requires all adults on Executive Committees (at Group, District, County/Area and Region level) to become members or associate members of The Scout Association.

When do these changes come in to effect?

The changes in membership type for Executive Committee members will come into effect for each individual Executive Committee from their first Annual General Meeting (AGM) after the 1st January 2016, when the Executive Committee for the coming year is appointed.

For more information on these changes please see http://members.scouts.org.uk/supportresources/4078/uk-headquarters-membership-subscriptions?cat=55,261&moduleID=10

How does this change affect your Personal Accident & Medical Expenses for non-member helpers and supporters (PAME) policy?

This PAME policy is designed to provide cover for all your non-member helpers and supporters.  The premium is £1.50 plus tax per person and the policy is subject to a minimum premium of £41.06 inclusive of tax which in effect provides cover for up to and including 25 people.  

Should the number of people requiring cover under your PAME policy alter as a result of these changes then please let us know at the time of the change.    

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