Tailor-made insurance for the chorister
Insuring choristers: a commitment, a duty
We remind you to activate the insurance policy for choristers against the risks of accident, illness and civil liability: this fulfillment must be considered a commitment and a moral duty that thus also protects the president from any liability actions. The convention stipulated by the Federazione Cori Italiani Chorus Inside with UNIPOLSAI ASSICURAZIONI SPA – Ag. Massimiliano TROVARELLI offers ceilings, guarantees and cost of the premium very convenient and decidedly favorable and such as to encourage the subscription of the policy. The guarantee includes accidents occurred during participation in rehearsals, concerts, festivals, competitions and musical tours. The guarantee also applies to the extramusical associative activity of the choir. In addition, it will be possible to extend the coverage also to any people who are not directly members of the choir, but who are part of the Choral Federation in various capacities (for example the choir council, volunteers who help in the activity and are not choristers, etc.).
IMPORTANT: New third sector legislation
Among the various innovations we would like to point out the one provided for by Article 18 in paragraphs 1-2: 1. Third sector entities that use volunteers must insure them against accidents and illnesses related to the performance of voluntary activity, as well as for civil liability towards third parties. 2. By decree of the Minister of Economic Development, to be issued in agreement with the Minister of Labour and Social Policies within six months from the date of entry into force of this Code, simplified insurance mechanisms are identified, with even numerical policies, and the related controls are regulated.
|ACCIDENTS and ILLNESS|
|permanent disability||€ 150,000.00|
|daily hospitalization due to accident||€ 50,00 deductible 5 days per claim|
|daily hospitalization illness (including COVID-19*)||€ 50.00 – The daily allowance is also recognized in the event that the insured is forced to quarantine at home as a result of positivity to the COVID-19 swab|
|reimbursement of medical expenses from accident||€ 5.500,00 per claim|
|age limit||over 81 years with deductible|
|extra musical associative activity||Included|
|catastrophic||€ 6.000.000,00 for unlimited number of people|
|RCT – ceiling||€ 5.000.000,00 unique (people + things per event)|
|RCO – ceiling||€ 5.000.000,00 unique|
|Patrimonial RC President and Board of Directors||€ 30,000.00|
|Fire damage to musical equipment, theaters, concert halls, stages owned by third parties (not owned)||inclusive|
Total prize € 3.00 per chorister / year (respectively € 2.40 for accidents and € 0.60 for RCT).