"3.2.4 Conditions and Obligations of Membership.

[3.2.4.1 through 3.2.4.7 unchanged.]

"3.2.4.8 Certification of Insurance Coverage.  An active member institution must certify insurance coverage for medical expenses resulting from athletically related injuries sustained by the following individuals while participating in a covered event (see Constitution 3.2.4.8.3):

"(a) A student-athlete participating in the covered event in an intercollegiate sport as recognized by the participating institution;

"(b) A prospective student-athlete participating in the covered event who has graduated from high school and signed an irrevocable commitment to participate in an intercollegiate sport at a participating institution; and

"(c) A student-coach, student-manager, student-trainer or student-cheerleader who is part of an athletics team that is participating in the covered event in an intercollegiate sport as recognized by the participating institution.   Such individuals must be enrolled full time or, if not enrolled full time, are enrolled in the necessary hours to receive a baccalaureate degree at the conclusion of the term.

"3.2.4.8.1  Amount of Coverage Insurance.  Such insurance coverage must be of equal or greater value than the deductible of the NCAA catastrophic injury insurance program and may be provided through the following sources:

"(a) Parents' or guardians' insurance coverage;

"(b) Participant's personal insurance coverage; or

"(c) Institution's insurance program.

"3.2.4.8.2 Athletically Related Injuries. For purposes of this bylaw, athletically related injuries are injuries that are a direct result of participation in a covered event (see Constitution 3.2.4.8.3).

"3.2.4.8.3 Covered Event. A covered event includes the following:

"(a) Any intercollegiate sports activity including team travel, competition, practices, and conditioning sessions during the playing season (as defined in Bylaw 17.1.1);

"(b) An NCAA-sanctioned competition in which the insured person  (i.e., student-athlete or prospective student-athlete) is an official competitor; or

"(c) Practice and conditioning sessions that are authorized, organized, or directly supervised by athletics department personnel at the member institution other than during the playing season.  Such sessions must occur on campus or at approved off campus facilities as part of an intercollegiate athletics activity.  For insured student-athletes or prospective student-athletes who compete in individual sports, off-campus intercollegiate athletics activities must be authorized by athletic department personnel at the participating school and take place at approved locations."