- The document is a letter welcoming Linza Soasa to an insurance plan providing hospital indemnity coverage, cash benefits, and discounts on healthcare services.
- The plan pays $400 per day for hospital stays due to accidents or $200 per day for illness, increasing every 3 months. It also pays lump sums for extended stays and benefits for doctor visits, ER treatment, and ambulances.
- Additional benefits include discounts on prescriptions, medical costs, and access to a 24/7 nurse hotline. The affordable monthly premium does not increase with age or number of claims. Customer service contact information is provided.
This document advertises an event called "Superior Bingo" taking place on November 29, 2011 from 2-3 pm at an apartment complex in San Antonio, Texas. The event will provide information about how attendees can receive quality healthcare, their choice of doctors, and extra coverage at no additional cost through Superior Advantage, a Medicare Advantage plan. A sales representative will be present to provide information and applications for the plan.
Medical Discount Program that covers Medical, Dental, Vision, & Prescriptions for entire family for $129.95 / Month & Individual for Only $99.95 / month. Everyone is accepted, even if you have a pre-existing condition.
This document provides a sample dental comparison chart for California Region 2 that compares usual fees for common dental procedures to the discounted fees available through the Family Care Choice plan. The chart shows savings of 20-66% on procedures like cleanings, x-rays, fillings, crowns, root canals, extractions, and orthodontics. The plan also offers two free comprehensive blood tests valued at over $529 each per year for members and spouses, as well as discounts on services like physician visits, chiropractic care, vision, hearing, pharmacy, pet care, and more.
This document summarizes the dental and healthcare savings available through the Family Care Advantage plan. It offers two free comprehensive blood tests valued at over $529 each per year. Members also receive significant discounts on dental care, with savings of 34-66% on common procedures. Additional benefits include a $20 generic prescription card, pharmacy discounts, and 30-40% off lab and radiology services. The plan provides access to affordable preventative and healthcare services.
This document summarizes the benefits included in a membership with the National Employers Association. The membership provides unlimited telemedicine consultations with physicians 24/7 as well as various insurance benefits. Insurance options include different levels of accidental death and dismemberment coverage combined with accident medical expense coverage ranging from $2,000 to $25,000. Additional benefits include emergency helicopter air ambulance reimbursement up to $7,000, prescription savings, and access to doctors via video or phone for prescription needs. The membership also includes various multi-product discounts on items like vision, dental, and hearing among others.
This document summarizes a flexible choice cancer and heart attack insurance plan. The base policy offers lump sum benefits from $5,000 to $75,000 that can be used for any expenses. Coverage is available for the individual, their spouse and family. The policy pays 100% of the selected benefit if diagnosed with cancer or has a qualifying heart event. Various riders can be added for additional premiums, such as benefits for cancer recurrence, radiation/chemotherapy treatments, additional lump sum payouts over time, specified diseases, hospital stays, accidents, and cash value. The purpose is to help policyholders financially in the event of a serious illness without worrying about bills or daily expenses.
This document summarizes the benefits provided by a membership in Value Benefits of America (VBA), including:
- Unlimited MD Hotline video or phone consultations with doctors 24/7 for medical advice, diagnosis, and prescriptions.
- Reimbursement of up to $7,000 for emergency helicopter air ambulance transportation.
- Seven accident medical expense insurance options providing coverage for accidents with maximum benefits from $2,000 to $25,000 and deductibles from $50 to $275.
This document summarizes a private health insurance policy from Bupa International called Lifeline. It provides international health coverage for individuals. Key details include:
- Coverage is subject to Bupa International's acceptance and rules. Benefits vary by coverage level chosen.
- Bupa International Lifeline policies last 12 months and renewal information is sent one month before expiration. Members can cancel during the term.
- The policy covers active treatment for both acute and chronic conditions, including cancer treatment, psychiatric care, and HIV/AIDS drugs.
- Exclusions include pre-existing conditions, congenital conditions, preventative care, and elective cosmetic procedures.
- Three coverage levels (Essential, Classic, and Gold
This document advertises an event called "Superior Bingo" taking place on November 29, 2011 from 2-3 pm at an apartment complex in San Antonio, Texas. The event will provide information about how attendees can receive quality healthcare, their choice of doctors, and extra coverage at no additional cost through Superior Advantage, a Medicare Advantage plan. A sales representative will be present to provide information and applications for the plan.
Medical Discount Program that covers Medical, Dental, Vision, & Prescriptions for entire family for $129.95 / Month & Individual for Only $99.95 / month. Everyone is accepted, even if you have a pre-existing condition.
This document provides a sample dental comparison chart for California Region 2 that compares usual fees for common dental procedures to the discounted fees available through the Family Care Choice plan. The chart shows savings of 20-66% on procedures like cleanings, x-rays, fillings, crowns, root canals, extractions, and orthodontics. The plan also offers two free comprehensive blood tests valued at over $529 each per year for members and spouses, as well as discounts on services like physician visits, chiropractic care, vision, hearing, pharmacy, pet care, and more.
This document summarizes the dental and healthcare savings available through the Family Care Advantage plan. It offers two free comprehensive blood tests valued at over $529 each per year. Members also receive significant discounts on dental care, with savings of 34-66% on common procedures. Additional benefits include a $20 generic prescription card, pharmacy discounts, and 30-40% off lab and radiology services. The plan provides access to affordable preventative and healthcare services.
This document summarizes the benefits included in a membership with the National Employers Association. The membership provides unlimited telemedicine consultations with physicians 24/7 as well as various insurance benefits. Insurance options include different levels of accidental death and dismemberment coverage combined with accident medical expense coverage ranging from $2,000 to $25,000. Additional benefits include emergency helicopter air ambulance reimbursement up to $7,000, prescription savings, and access to doctors via video or phone for prescription needs. The membership also includes various multi-product discounts on items like vision, dental, and hearing among others.
This document summarizes a flexible choice cancer and heart attack insurance plan. The base policy offers lump sum benefits from $5,000 to $75,000 that can be used for any expenses. Coverage is available for the individual, their spouse and family. The policy pays 100% of the selected benefit if diagnosed with cancer or has a qualifying heart event. Various riders can be added for additional premiums, such as benefits for cancer recurrence, radiation/chemotherapy treatments, additional lump sum payouts over time, specified diseases, hospital stays, accidents, and cash value. The purpose is to help policyholders financially in the event of a serious illness without worrying about bills or daily expenses.
This document summarizes the benefits provided by a membership in Value Benefits of America (VBA), including:
- Unlimited MD Hotline video or phone consultations with doctors 24/7 for medical advice, diagnosis, and prescriptions.
- Reimbursement of up to $7,000 for emergency helicopter air ambulance transportation.
- Seven accident medical expense insurance options providing coverage for accidents with maximum benefits from $2,000 to $25,000 and deductibles from $50 to $275.
This document summarizes a private health insurance policy from Bupa International called Lifeline. It provides international health coverage for individuals. Key details include:
- Coverage is subject to Bupa International's acceptance and rules. Benefits vary by coverage level chosen.
- Bupa International Lifeline policies last 12 months and renewal information is sent one month before expiration. Members can cancel during the term.
- The policy covers active treatment for both acute and chronic conditions, including cancer treatment, psychiatric care, and HIV/AIDS drugs.
- Exclusions include pre-existing conditions, congenital conditions, preventative care, and elective cosmetic procedures.
- Three coverage levels (Essential, Classic, and Gold
This document describes the benefits of the Value Med Plan health insurance. It offers:
- $75 office visit payments directly to the member
- $1,000 daily hospital benefit up to $365,000
- $5,000 lump sum cancer benefit
- Additional benefits like prescription discounts, lab tests, and MD Hotline doctor consultations
It also guarantees renewability to age 65 and has no deductibles or co-pays. Members can access these benefits and additional discounts through the VBA membership mobile app.
The document summarizes the benefits included in a Complete Care Plus membership package. It includes dental, vision, prescription drug, accidental medical, disability income, life insurance, travel assistance, and consumer services benefits. Some key benefits highlighted are up to $5000 in accidental medical coverage per family member, $500 monthly disability payments, $10,000 accidental death and dismemberment coverage, and access to over 30,000 dental and 90,000 vision providers nationwide.
This document summarizes an Affordable Choice fixed indemnity insurance plan from ManhattanLife Assurance Company. The plan provides fixed daily benefits for hospital stays, surgery, doctor visits, and other medical costs. It highlights example payout scenarios and compares benefits between the Elite, Plus Elite, Classic, and Plus Classic plan options. The plan also discusses value-added benefits through partnerships with MultiPlan and RXedo that provide discounts on healthcare and prescription drugs.
Ray mac medicare education presentation long versionJacob MacArthur
The document outlines two ways to get Medicare coverage: Original Medicare from the federal government, or Medicare Advantage plans through private insurers. It describes the basic benefits covered under Medicare Parts A and B, as well as supplemental Medigap plans and prescription drug plans. Key details include common premiums, deductibles, and cost-sharing arrangements for different plan types.
The document summarizes the First Choice Health Insurance plan offered by Central United Life. It is a guaranteed renewable health insurance policy offered in 28 states. The summary highlights key benefits including hospital room coverage up to $14,000 for the first 6 days, surgical coverage up to $10,000 per event, $100 for 4 doctor visits annually, accidental injury benefits, and access to the Beechstreet PPO network to reduce costs. A 12-month pre-existing condition limitation applies. Applications can be completed online or with an agent.
Valente provides employees with several benefits options including:
- 401(k) matching up to 3% of salary and Roth 401k option
- Voluntary life, short-term disability, and long-term disability insurance
- Three medical plans through Aetna with different costs and coverage levels
- Two dental plans through Principal - a buy-up plan with higher coverage and a base plan
- Vision coverage, flexible spending account, and employee assistance program
This discount medical plan provides members with discounts on a wide range of medical services through contracted healthcare providers. The plan offers savings of 5-60% on physician visits, hospital services, vision, dental, chiropractic care, and more. Members simply present their membership card to receive discounted rates and have no claim forms to file.
The plan is administered by Coverdell & Company and is not available in Florida or Vermont. Hospital discounts are not available in Maryland.
Surelife memorial care plan and servicesnoniefer20
This document introduces a benefits program that helps people solve financial problems related to sickness, accidents, death of loved ones, and more. The program provides hospitalization benefits, cash assistance, family protection insurance, memorial services, discounts at affiliated stores, and more for a monthly payment as low as P480. It emphasizes how expensive medical bills and funeral costs can be, and promotes this program as a way to prepare for and combat these problems.
The document outlines the structure and roles of various bodies within the reorganized NHS in England, including:
1) Clinical Commissioning Groups (CCGs) which will have representation from local GPs, patients, and other members to commission local health services.
2) Foundation Trusts which will run local hospitals and have boards including executives, non-executive directors, and governors including public members.
3) Health and Wellbeing Boards which coordinate commissioning at the local authority level and include CCG, public health and council representatives.
It then discusses principles of public involvement in the new structures and ensuring services are commissioned in the interests of patients.
This document provides a summary of a General and Products Liability Insurance Policy. It outlines important information about the policy, including definitions, insuring clauses, exclusions, claims conditions, and general conditions. It notes that the policy covers legal liability for personal injury, property damage, and advertising injury that occurs during the policy period. It also summarizes information about the insurer QBE, the insurance broker Steadfast, privacy practices, the General Insurance Code of Practice, and dispute resolution procedures.
This document summarizes communications between Bruce Cummins of J&J and representatives of Omnicare regarding rebate issues and agreements. It discusses amounts owed in rebates from purchases made outside their contract, totaling $360,618.49. It also includes a copy of an agreement between J&J and Omnicare where J&J will pay $300,000 to Omnicare to help overcome objections to the drug Risperdal and develop educational materials. The document provides details on the terms of the agreement and initiatives it covers.
The document provides information about open enrollment for employee benefits at a company. It summarizes the various benefit plans including medical coverage through JP Farley, dental through Anthem, vision through VSP, and life and disability insurance through Aetna. Details are provided on plan costs, coverage amounts, and requirements for dependent eligibility. The presentation instructs employees to complete enrollment by November 21st online or waive coverage, and to watch for new ID cards in the mail. Contact information is provided for benefits questions.
This document summarizes a new healthcare program called Transparent Health Network. It offers deep discounts of 35-60% for a wide range of medical services through a network of doctors and pharmacies. For as little as $39/month for individuals or $54/month for families, members get access to pre-negotiated pricing on services. Prices are posted online so members know costs ahead of time. The program aims to make healthcare more affordable and accessible for the uninsured.
This document provides rate quotes for various medical and prescription drug plans for Bear Manor Properties group with 3 eligible employees. It lists the monthly premium rates for several plan options, including costs for individual, two-person, and family coverage, as well as supplemental and contributory premiums. The plans include options for different levels of copays and deductibles for medical services, and various prescription drug plans with differing copay structures and formularies.
S.V. Nandagopal is a senior sales manager for Star Health and Allied Insurance Company Limited. He has over 20 years of experience in the insurance and investment consulting industry in Coimbatore. Star Health offers individual and family health insurance plans, including Mediclassic plans. Key benefits include coverage for hospitalization expenses, pre-and post-hospitalization costs, day care procedures, and restoration of sum insured. The document provides details on policy periods, sum insured options, exclusions, and additional coverages available.
Stonebridge Medicare Supplement Insurance BrochureGary Jackson
Stonebridge Life Insurance Company offers several Medicare supplement plans (A, F, G, and N) to help cover costs that Medicare does not pay. The plans provide coverage for things like hospital stays, medical costs, skilled nursing care, and emergency care when traveling abroad. Premiums vary based on factors like age and whether the applicant uses tobacco. The document provides details on plan benefits and costs to help customers choose the right plan for their needs.
100% Lump Sum Payment for Critical illness in additional to Hospitalistiono exp, First Diagnosis of Cancer, Chronic Kidney Disease, Hepatoma, Brain Tumour, Undergoing first time - Major Organ Transplant, Occurrence for the first time of the Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of < 25%, irreversible Coma, irreversible Paraplegia, irreversible Quadriplegia
A comprehensive coverage, PPO plan for those coming to the United States. Coverage ranges from 5 days to 1 year, and the plan is renewable for up to 2 years. Safe Travels offers a range of deductibles, ranging from $0 to $5,000, and a 80%-20% co-insurance split. The plan provides for medical, AD&D, trip cancellation/interruption, moderate maternity coverage, and other benefits. Additionally, Safe Travels plans are renowned for their emergency medical evacuation and repatriation benefits.
Bajaj Allianz Personal Guard insurance plan is a plan that covers the policyholders against bodily injury or death caused due to accidents along with the benefits such as medical expenses arising out of accident etc
Senator Joe Crisco provides a summary of legislation passed in the 2009 session addressing the economic crisis. Key initiatives expanded health insurance coverage, including coverage for autism and mammography reports. Legislation also aimed to help homeowners avoid foreclosure through mandatory mediation and expanded loan programs. The senator also lists resources for job seekers and notes state funding allocated for local projects in Naugatuck.
Insuring yourself against the risk of incurring medical expenses is important. However, before choosing the health insurance policy, it is important to know more about the different health insurance plans. This SlideShare provides more information about medical insurance and its benefits. http://bit.ly/1pHFP90
The Optima Restore health insurance plan from HDFC Ergo offers comprehensive coverage for individuals and families. Key benefits include coverage for hospitalization, daycare procedures, domiciliary treatment, organ donor expenses, and restoration of the full sum insured amount if it is exhausted during the policy year. Customers can choose a basic sum insured ranging from Rs. 5 lakh to Rs. 50 lakh. Additional benefits include a multiplier bonus for claim-free years, cashless coverage at over 10,000 hospitals nationwide, and health checkups on renewal.
This document describes the benefits of the Value Med Plan health insurance. It offers:
- $75 office visit payments directly to the member
- $1,000 daily hospital benefit up to $365,000
- $5,000 lump sum cancer benefit
- Additional benefits like prescription discounts, lab tests, and MD Hotline doctor consultations
It also guarantees renewability to age 65 and has no deductibles or co-pays. Members can access these benefits and additional discounts through the VBA membership mobile app.
The document summarizes the benefits included in a Complete Care Plus membership package. It includes dental, vision, prescription drug, accidental medical, disability income, life insurance, travel assistance, and consumer services benefits. Some key benefits highlighted are up to $5000 in accidental medical coverage per family member, $500 monthly disability payments, $10,000 accidental death and dismemberment coverage, and access to over 30,000 dental and 90,000 vision providers nationwide.
This document summarizes an Affordable Choice fixed indemnity insurance plan from ManhattanLife Assurance Company. The plan provides fixed daily benefits for hospital stays, surgery, doctor visits, and other medical costs. It highlights example payout scenarios and compares benefits between the Elite, Plus Elite, Classic, and Plus Classic plan options. The plan also discusses value-added benefits through partnerships with MultiPlan and RXedo that provide discounts on healthcare and prescription drugs.
Ray mac medicare education presentation long versionJacob MacArthur
The document outlines two ways to get Medicare coverage: Original Medicare from the federal government, or Medicare Advantage plans through private insurers. It describes the basic benefits covered under Medicare Parts A and B, as well as supplemental Medigap plans and prescription drug plans. Key details include common premiums, deductibles, and cost-sharing arrangements for different plan types.
The document summarizes the First Choice Health Insurance plan offered by Central United Life. It is a guaranteed renewable health insurance policy offered in 28 states. The summary highlights key benefits including hospital room coverage up to $14,000 for the first 6 days, surgical coverage up to $10,000 per event, $100 for 4 doctor visits annually, accidental injury benefits, and access to the Beechstreet PPO network to reduce costs. A 12-month pre-existing condition limitation applies. Applications can be completed online or with an agent.
Valente provides employees with several benefits options including:
- 401(k) matching up to 3% of salary and Roth 401k option
- Voluntary life, short-term disability, and long-term disability insurance
- Three medical plans through Aetna with different costs and coverage levels
- Two dental plans through Principal - a buy-up plan with higher coverage and a base plan
- Vision coverage, flexible spending account, and employee assistance program
This discount medical plan provides members with discounts on a wide range of medical services through contracted healthcare providers. The plan offers savings of 5-60% on physician visits, hospital services, vision, dental, chiropractic care, and more. Members simply present their membership card to receive discounted rates and have no claim forms to file.
The plan is administered by Coverdell & Company and is not available in Florida or Vermont. Hospital discounts are not available in Maryland.
Surelife memorial care plan and servicesnoniefer20
This document introduces a benefits program that helps people solve financial problems related to sickness, accidents, death of loved ones, and more. The program provides hospitalization benefits, cash assistance, family protection insurance, memorial services, discounts at affiliated stores, and more for a monthly payment as low as P480. It emphasizes how expensive medical bills and funeral costs can be, and promotes this program as a way to prepare for and combat these problems.
The document outlines the structure and roles of various bodies within the reorganized NHS in England, including:
1) Clinical Commissioning Groups (CCGs) which will have representation from local GPs, patients, and other members to commission local health services.
2) Foundation Trusts which will run local hospitals and have boards including executives, non-executive directors, and governors including public members.
3) Health and Wellbeing Boards which coordinate commissioning at the local authority level and include CCG, public health and council representatives.
It then discusses principles of public involvement in the new structures and ensuring services are commissioned in the interests of patients.
This document provides a summary of a General and Products Liability Insurance Policy. It outlines important information about the policy, including definitions, insuring clauses, exclusions, claims conditions, and general conditions. It notes that the policy covers legal liability for personal injury, property damage, and advertising injury that occurs during the policy period. It also summarizes information about the insurer QBE, the insurance broker Steadfast, privacy practices, the General Insurance Code of Practice, and dispute resolution procedures.
This document summarizes communications between Bruce Cummins of J&J and representatives of Omnicare regarding rebate issues and agreements. It discusses amounts owed in rebates from purchases made outside their contract, totaling $360,618.49. It also includes a copy of an agreement between J&J and Omnicare where J&J will pay $300,000 to Omnicare to help overcome objections to the drug Risperdal and develop educational materials. The document provides details on the terms of the agreement and initiatives it covers.
The document provides information about open enrollment for employee benefits at a company. It summarizes the various benefit plans including medical coverage through JP Farley, dental through Anthem, vision through VSP, and life and disability insurance through Aetna. Details are provided on plan costs, coverage amounts, and requirements for dependent eligibility. The presentation instructs employees to complete enrollment by November 21st online or waive coverage, and to watch for new ID cards in the mail. Contact information is provided for benefits questions.
This document summarizes a new healthcare program called Transparent Health Network. It offers deep discounts of 35-60% for a wide range of medical services through a network of doctors and pharmacies. For as little as $39/month for individuals or $54/month for families, members get access to pre-negotiated pricing on services. Prices are posted online so members know costs ahead of time. The program aims to make healthcare more affordable and accessible for the uninsured.
This document provides rate quotes for various medical and prescription drug plans for Bear Manor Properties group with 3 eligible employees. It lists the monthly premium rates for several plan options, including costs for individual, two-person, and family coverage, as well as supplemental and contributory premiums. The plans include options for different levels of copays and deductibles for medical services, and various prescription drug plans with differing copay structures and formularies.
S.V. Nandagopal is a senior sales manager for Star Health and Allied Insurance Company Limited. He has over 20 years of experience in the insurance and investment consulting industry in Coimbatore. Star Health offers individual and family health insurance plans, including Mediclassic plans. Key benefits include coverage for hospitalization expenses, pre-and post-hospitalization costs, day care procedures, and restoration of sum insured. The document provides details on policy periods, sum insured options, exclusions, and additional coverages available.
Stonebridge Medicare Supplement Insurance BrochureGary Jackson
Stonebridge Life Insurance Company offers several Medicare supplement plans (A, F, G, and N) to help cover costs that Medicare does not pay. The plans provide coverage for things like hospital stays, medical costs, skilled nursing care, and emergency care when traveling abroad. Premiums vary based on factors like age and whether the applicant uses tobacco. The document provides details on plan benefits and costs to help customers choose the right plan for their needs.
100% Lump Sum Payment for Critical illness in additional to Hospitalistiono exp, First Diagnosis of Cancer, Chronic Kidney Disease, Hepatoma, Brain Tumour, Undergoing first time - Major Organ Transplant, Occurrence for the first time of the Cerebro-Vascular Stroke causing Hemiplegia, Acute Myocardial Infarction resulting in Left Ventricular Ejection Fraction of < 25%, irreversible Coma, irreversible Paraplegia, irreversible Quadriplegia
A comprehensive coverage, PPO plan for those coming to the United States. Coverage ranges from 5 days to 1 year, and the plan is renewable for up to 2 years. Safe Travels offers a range of deductibles, ranging from $0 to $5,000, and a 80%-20% co-insurance split. The plan provides for medical, AD&D, trip cancellation/interruption, moderate maternity coverage, and other benefits. Additionally, Safe Travels plans are renowned for their emergency medical evacuation and repatriation benefits.
Bajaj Allianz Personal Guard insurance plan is a plan that covers the policyholders against bodily injury or death caused due to accidents along with the benefits such as medical expenses arising out of accident etc
Senator Joe Crisco provides a summary of legislation passed in the 2009 session addressing the economic crisis. Key initiatives expanded health insurance coverage, including coverage for autism and mammography reports. Legislation also aimed to help homeowners avoid foreclosure through mandatory mediation and expanded loan programs. The senator also lists resources for job seekers and notes state funding allocated for local projects in Naugatuck.
Insuring yourself against the risk of incurring medical expenses is important. However, before choosing the health insurance policy, it is important to know more about the different health insurance plans. This SlideShare provides more information about medical insurance and its benefits. http://bit.ly/1pHFP90
The Optima Restore health insurance plan from HDFC Ergo offers comprehensive coverage for individuals and families. Key benefits include coverage for hospitalization, daycare procedures, domiciliary treatment, organ donor expenses, and restoration of the full sum insured amount if it is exhausted during the policy year. Customers can choose a basic sum insured ranging from Rs. 5 lakh to Rs. 50 lakh. Additional benefits include a multiplier bonus for claim-free years, cashless coverage at over 10,000 hospitals nationwide, and health checkups on renewal.
1) Apollo Munich Health Insurance introduces a new health insurance plan called OptimaRESTORE that provides unique restore and multiplier benefits.
2) The restore benefit automatically reinstates the basic sum insured if it is exhausted during the policy year, allowing coverage of additional illnesses.
3) The multiplier benefit increases the basic sum insured by 50% each claim-free year, up to 100% more coverage at no extra cost.
Group Insurance Schemes/ Insurance Proposal for Female Garment Worker - Karna...Jaswanth Singh G
The document discusses a proposed group insurance scheme for women garment workers in Karnataka that would be administered by the Karnataka Labour Welfare Board. The scheme would provide health insurance covering hospitalization expenses, maternity benefits, pre-existing conditions, and more. It would also provide group personal accident insurance covering accidental death, permanent disability, ambulance charges, education benefits, and other scenarios. The scheme aims to improve health and welfare protections for vulnerable women workers in the state.
Income protection is important since illness or injury could prevent working and reduce income, yet people rarely consider this risk. Disability insurance provides monthly benefits if unable to work due to sickness or injury, replacing part of lost income. While the average car costs around $30,000, the average disability claim lasts 4 years, with illness being the leading cause. Disability insurance is more affordable than many other regular expenses and helps reduce the risk of a disability leaving one unable to pay living expenses.
Maxima is a plan that takes care of your everyday health needs. It is an easy to buy plan that covers expenses incurred in the form of Doctors’ consultations, Pharmacy bills, Diagnostic tests, Dental treatment, Optical services and Annual health check-up. Maxima health plan by Apollo Munich offers comprehensive coverage while taking care of little illnesses too. Along with wide inpatient coverage, Maxima also offer benefits with unique outpatient coverage. With additional critical illness coverage and provision of lifelong renewal, the plan makes insurance coverage feasible at affordable premium rates. Get self as well as your family members insured under this easy to understand plan and enjoy a stress free health future.
Medical Bridge Plan 3 Brochure And Outline 74988Ed Colebeck
This document discusses hospital confinement indemnity insurance. It provides benefits to help cover out-of-pocket medical expenses not covered by health insurance, like deductibles and co-payments. Key benefits include payments for wellness tests, diagnostic procedures, outpatient surgeries, emergency room visits, hospital confinements, rehabilitation transfers, and a waiver of premium if hospitalized for 30+ days. The plan is meant to supplement major medical plans which are taking on larger deductibles and cost sharing.
The document provides information about the Bharti AXA General Insurance SmartHealth Insurance Policy. It summarizes key policy benefits like coverage for hospitalization expenses, pre-and post-hospitalization costs, critical illnesses, and more. It outlines eligibility criteria, exclusions like pre-existing diseases, and plan options including a family floater. Distinctive features are highlighted such as renewal discounts, tax benefits, and health check-up costs after claim-free years. Claim procedures and contact information are also mentioned.
This document summarizes and promotes a hospital indemnity insurance plan from Medico Insurance Company. The plan provides cash benefits to help cover medical expenses from hospitalization costs that regular health insurance may not cover. Policyholders can choose from three plan options that pay a set amount per day spent in the hospital, or lump sum payments for hospital stays. Optional riders are also available to cover costs for ambulance transportation, skilled nursing facilities, cancer treatment, and accidental death or dismemberment. The insurance is designed to provide afordable supplemental coverage for unexpected medical costs from hospitalization.
L&T Insurance introduces my:health Medisure Classic Insurance, a health insurance plan that covers hospitalization expenses and other medical costs. Key features include coverage for hospital room rent, surgery, medicines and more. It also covers pre-and post-hospitalization costs, day care procedures, domiciliary hospitalization, and maternity expenses. Customers can avail of optional covers like critical illness insurance. The plan offers lifelong renewability, tax benefits, and covers the proposer, spouse, children and parents.
L&T Insurance presents myhealth medisure Classic Insurance, a meticulously designed insurance
solution that understands your family's unique health needs and provides you with a step-by-step
plan to ensure their complete well-being. Especially designed through a scientific process,
my:health plans enables you to quickly bounce back from a medical emergency so that you can
continue to spend and cherish your time with your loved ones.
This document provides information about the Assurant Health MaxPlan Elite individual medical insurance plan. It offers:
- $25 million lifetime maximum benefit. Unlimited prescription drug benefits with $15 copays for generic drugs.
- Deductible options from $500 to $25,000, with rate guarantees of up to 36 months for some deductibles.
- Coinsurance options of 0%, 20%, 30%, or 50%. Coinsurance out-of-pocket maximum ranges from $0 to $9,500.
- Coverage for doctor visits, preventive care, hospitalization, transplants, prescription drugs and more.
- Optional benefits like dental/vision insurance, life insurance, and
Smita Rastogi's presentation discusses voluntary employee benefits. It defines voluntary benefits as additional insurance products employees can purchase through their employer at lower group rates than individual plans. The presentation outlines key voluntary benefits like critical illness insurance, accident insurance, dental/vision plans, life insurance and disability insurance. It also discusses the benefits to both employers and employees of offering voluntary plans, such as attracting talent and satisfying different employee needs affordably.
This document provides information about health insurance plans from Golden Rule Insurance Company, a UnitedHealthcare company. It outlines several types of plans they offer including copay plans, health savings account plans, and high deductible plans. It emphasizes their experience serving individuals and families for over 60 years. It also highlights the benefits of their large provider network which can offer savings of up to 35-45% on healthcare costs.
Our company provides voluntary benefits to help employees cover unexpected medical costs. Voluntary benefits can protect employees' savings and retirement from expenses like accidents and illnesses. They are affordable options to fill coverage gaps, are owned by the employee, and have no direct cost to employers. We help set up payroll deductions and educate employees on options like accident, critical illness and life insurance.
For over a decade Expatriate Group have been underwriting, administering and providing claims services for its customers from its City of London headquarters.
Find out more on our site and social media channels.
www.expatriatehealthcare.com
The document defines health insurance as a contract between an insurance provider and an individual or organization that covers medical expenses. Key aspects of health insurance include premium payments, deductibles, copays, coverage limits, and what medical costs are covered. Rates are calculated based on personal health history and risks. Premiums can increase if claims are high or an individual's health status changes. Missed payments can cause a policy to lapse or be cancelled. The document also outlines some common types of health insurance plans and tax benefits.
The document is a benefits booklet for employees of the Town of Davie. It provides summaries of the town's benefit plans and contact information in 3 pages and 16 sections. Benefit plans include medical insurance through United Healthcare, dental and vision coverage through Humana, life and disability insurance, and voluntary supplemental plans. It announces changes for 2016 like a $500 rollover limit for flexible spending accounts and plan design changes to UNUM disability insurance.
PRUShield plans complement MediShield Life by providing more comprehensive medical coverage and options that suit different budgets and healthcare needs. This helps patients focus on recovery by easing their financial burden from medical bills. PRUShield offers various plans and supplementary plans that cover treatment costs from both private and public hospitals. The plans and supplementary plans differ in terms of premium costs, coverage amounts, and deductibles/co-insurance to limit out-of-pocket expenses.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Enhancing Asset Quality: Strategies for Financial Institutionsshruti1menon2
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
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F6 D9 De0 49956222
1. Linza Soasa
100 Montgomery St
Jersey City, NJ 07302
Welcome Linza Soasa,
Congratulations on your wise decision to enroll in this valuable insurance program
– from National Union Fire Insurance Company of Pittsburgh, Pa.
Welcome to the
Good news: we’ve made managing your Essential Protection Plan online safe and easy.
At www.EssentialProtectionPlans.com you can access your account anytime for instant Plan that provides
policy news, account updates, access claim forms, tips for healthy living, and information for:
about other Essential Protection products. Everything you need is available when you
need it, 24 hours a day, with advanced security for your peace of mind.
Hospital indemnity
We have enclosed your Insurance Documents. Please read them carefully so that you coverage for covered
understand the many benefits available to you. hospital stays
Your coverage starts at $400 a day to a maximum of 365 days for hospital stays due to
covered accidents or $200 a day for a covered illness, from the first day for each covered Cash benefits paid
illness that requires a hospital stay of three consecutive days or more. direct to you or
whomever you choose
Best of all, your coverage amounts automatically increase every
3 months for 10 years with no increase in plan cost – regardless of
whether or not you’ve used your coverage. Cash paid in addition
to any other insurance
Receive benefits for a covered extended hospital stay. you have
To help ease the financial impact of an extended hospital confinement, the plan pays
one of the following single lump-sum benefits in addition to your daily cash payouts: No restrictions on
$5,000 after a 30 consecutive day stay or $10,000 after a 60 consecutive day stay. hospitals or doctors
continued
Linza Soasa
Contact Us Member # 49956222
Insurance Claims: 1-866-960-0765
Insurance Customer Service: 1-877-219-1365
Discount Services Customer Service: 1-888-822-8906
24-Hour Nurse Line: 1-877-541-9189
DTC101BNJ-408-110-2 1 DTC101BNJ
2. You’ll also receive coverage for doctor visits, emergency room treatment and ambulances:
• $50 for each covered doctor visit
• $300 for each covered Emergency Room treatment
(this amount increases every 3 months you remain covered)
• $200 for each covered ambluance transportation
(this amount also increases every 3 months)
PLUS, save on prescriptions, doctor and dentist visits, eye care and get 24-hour nursing assistance.*
Your plan includes full access to discounts which can save you 5-50% on routine doctor, hospital and lab visits while
providing additional savings for prescription drugs, dentist and eye care at thousands of participating providers
nationwide. You also have access to our 24-hour Nurse Hotline for answers to your family health questions. Please read
the enclosed brochure to learn how to use this valuable benefit.
Affordable monthly plan costs.
Your affordable monthly plan cost will not increase due to your growing older, and cannot change due to the
number of claims you make or how often you use your plan benefits.
We want to be sure you make the most of your coverage.
Don’t forget: information and answers about your Essential Protection plan are always available at
www.EssentialProtectionPlans.com.
If you have any questions regarding your policy, call the Customer Service Department at one of the toll free numbers
in the box below. A Customer Service Representative will be available between the hours of 9 am and 10 pm Monday
through Friday, Saturday 7 am to 3 pm Eastern Standard Time.
We appreciate the opportunity to provide you with this valuable coverage and look forward to serving you.
Sincerely, Insurance Claims:1-866-960-0765
Insurance Customer Service:1-877-219-1365
Discount Services Customer Service:1-888-822-8906
24-Hour Nurse Line:1-877-541-9189
Jonathan Yee
Senior Vice President
AIU Holdings, Inc.
Customer Care: 1-888-822-8906 Monday - Friday 9 a.m. - 7 p.m. EST. Attention Participating Discount Medical Providers:
For all membership inquires or to locate participating providers. To locate participating Call 1-888-822-8906 if you have any questions. The member agrees to pay 100% of the allowable
providers online go to: www.mymemberinfo.com/EssentialHealth amount at the time of treatment. Please call to verify member eligibility and for repricing. Member
is directly responsible for payment to the Participating Provider.
24 Hour Nurse Care Hotline: 1-877-541-9189
For physicians and hospital use only: 1-866-643-2230 ext.3
Pharmacy Help Desk: 1-800-847-7147 Members also have access to Call to determine members’s discounted fee. Provide the
24/7 Agelity Help Desk: For pharmacist use only the following networks Member’s ID number, your Provider number and the CPT
Bin: 009265 codes. Collect full discounted payment at time of service
PCN: AG unless other arrangements are made.
Group: UH07
For ALL family members: Use person code 01 Through the use of this Membership, Member is acknowledging and accepting that he/she has
read and is bound by the TERMS AND CONDITIONS of membership.
C-139-062609-EH THIS IS NOT HEALTH INSURANCE THIS IS NOT HEALTH INSURANCE
3.
4. 1-866-960-0765
1-877-219-1365
1-888-822-8906
24-Hour Nurse Line: 1-877-541-9189
Coverage may not be available in all states.
This letter provides only a brief description of the insurance coverage available. The Policy contains reductions,
limitations, exclusions and termination provisions. Full details of the insurance coverage are contained in each Policy.
If there are any conflicts between this document and the Policy, the Policy (policy form numbers A30293NUFIC &
C11695DBG) shall govern. Coverage may not be available in all states. Insurance is underwritten by National Union
Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its Administrative Offices at 80
Pine Street, New York, NY 10270. It is currently authorized to transact business in all states and the District of Columbia.
NAIC No.19445
National Union Fire Insurance Company of Pittsburgh, Pa., assumes no responsibility or liability for any of the listed
services, the providers of the services, the quality of the services, the delivery of the services, or the outcomes of the
services. Questions or concerns about the services should be addressed directly to the providers.
Note: If you are 70 years of age or older on the date of a covered accident for which benefits are payable, the benefits
listed below will be reduced by fifty percent (50%), except for the Physician’s Office Visits Indemnity Benefit. Benefit
amounts for dependents are lower than your benefit amounts.
*The Discount Medical Plans are provided by Patriot Health Florida, Inc., a discount medical plan organization. The
features are not health insurance policies and are not available in all areas. The features provide discounts at certain
health care providers for medical services and do not make payments directly to the providers of medical services. The
member is obligated to pay for all health care services but will receive a discount from those health care providers who
have contracted with Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, New York 11791. 800-292-3797
Not available in AK, FL, MT, ND, SD and VT. Coming soon to FL.
5. E
NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH,PA.
Administrative Offices: 80 Pine Street, New York, NY 10005
(212) 770-7000
(a capital stock company, herein referred to as the Company)
Policyholder: Group Insurance Trust Delaware
Policy Number: 49956222
GROUP ACCIDENT INSURANCE CERTIFICATE
ABOUT THIS CERTIFICATE. This certificate describes accident insurance the Company provides to Insured
Persons under the Group Policy (herein called the Policy) issued to the Policyholder.
RIGHT TO EXAMINE THIS CERTIFICATE. This certificate of insurance is issued to You, the Insured, and can be
returned for any reason within the later of: (1) 30 days after it is received by You; or (2) 30 days after Your Coverage
Effective Date. The certificate should be returned by mail or in person to the Company. Any premium paid will be
refunded and the certificate will be treated as if it were never issued.
The President and Secretary of National Union Fire Insurance Company of Pittsburgh, Pa. witness this Certificate:
President Secretary
PLEASE READ THIS CERTIFICATE CAREFULLY.
THIS CERTIFICATE IS NOT A MEDICARE SUPPLEMENT CONTRACT. If you are eligible for Medicare, review
the Guide to Health Insurance for People with Medicare available from this Company.
A30298NUFIC - NJ 1 DTC101BNJ
6. TABLE OF CONTENTS
Schedule............................................................................................................................3
Classification of Eligible Persons .................................................................................3
Insured.........................................................................................................................3
Covered Activities ........................................................................................................3
Insured’s Coverage Effective Date ..............................................................................3
Premium Payments .....................................................................................................3
Benefit Schedule..........................................................................................................3
Definitions ........................................................................................................................10
Insured's Effective and Termination Dates ......................................................................10
Insured Dependent’s Effective and Termination Dates ...................................................10
Premium ..........................................................................................................................11
Benefits............................................................................................................................11
Maximum Amount ......................................................................................................11
Emergency Transportation and Treatment Benefit ....................................................11
In-Hospital Indemnity Daily Benefit ............................................................................12
In-Hospital Indemnity Single Payment Benefit...........................................................12
In-Hospital Indemnity Sickness Daily Benefit ............................................................13
In-Hospital Indemnity Sickness Single Payment Benefit ...........................................14
Physician’s Office Visits Benefit.................................................................................14
Limitations........................................................................................................................14
Limitation on Multiple Covered Activities ...................................................................14
Reduction Schedule...................................................................................................15
Exclusions........................................................................................................................15
Claims Provisions ............................................................................................................15
General Provisions ..........................................................................................................16
A30298NUFIC - NJ 2 DTC101BNJ
13. 115-117 $9,750.00 $4,875.00 $1,950.00
118-120 $9,875.00 $4,937.50 $1,975.00
120+ $10,000.00 $5,000.00 $2,000.00
Physician’s Office Visits Benefit
Maximum Number of Visits Per Family: Months 1 to 36: 5 Visits
Maximum Number of Visits Per Family: Months 37+: 8 Visits
Maximum Number of Visits Per Calendar Quarter Per Family: 2
Policy Month in which Physician’s Office Visits occurs:
1-3 $50.00 $50.00 $50.00
4-6 $50.00 $50.00 $50.00
7-9 $50.00 $50.00 $50.00
10-12 $50.00 $50.00 $50.00
13-15 $50.00 $50.00 $50.00
16-18 $50.00 $50.00 $50.00
19-21 $50.00 $50.00 $50.00
22-24 $50.00 $50.00 $50.00
25-27 $50.00 $50.00 $50.00
28-30 $50.00 $50.00 $50.00
31-33 $50.00 $50.00 $50.00
34-36 $50.00 $50.00 $50.00
37-39 $50.00 $50.00 $50.00
40-42 $50.00 $50.00 $50.00
43-45 $50.00 $50.00 $50.00
46-48 $50.00 $50.00 $50.00
49-51 $50.00 $50.00 $50.00
52-54 $50.00 $50.00 $50.00
55-57 $50.00 $50.00 $50.00
58-60 $50.00 $50.00 $50.00
61-63 $50.00 $50.00 $50.00
64-66 $50.00 $50.00 $50.00
67-69 $50.00 $50.00 $50.00
70-72 $50.00 $50.00 $50.00
73-75 $50.00 $50.00 $50.00
76-78 $50.00 $50.00 $50.00
79-81 $50.00 $50.00 $50.00
82-84 $50.00 $50.00 $50.00
85-87 $50.00 $50.00 $50.00
88-90 $50.00 $50.00 $50.00
91-93 $50.00 $50.00 $50.00
94-96 $50.00 $50.00 $50.00
97-99 $50.00 $50.00 $50.00
100-102 $50.00 $50.00 $50.00
103-105 $50.00 $50.00 $50.00
106-108 $50.00 $50.00 $50.00
109-111 $50.00 $50.00 $50.00
112-114 $50.00 $50.00 $50.00
115-117 $50.00 $50.00 $50.00
118-120 $50.00 $50.00 $50.00
120+ $50.00 $50.00 $50.00
The Maximum Amounts are used to determine amounts payable under each Benefit. Actual amounts payable will not exceed
the maximums, and may be less than the maximums under circumstances specified in this Certificate.
The Maximum Amounts specified above for an Insured Person who is age 70 or older on the date of an accident for which
benefits are payable, except the Physician’s Office Visits Indemnity Benefit, will be reduced by 50%.
A30298NUFIC - NJ 9 DTC101BNJ
14. DEFINITIONS covered under the Policy solely as an Insured
Dependent.
Any capitalized terms in this Certificate and any riders,
endorsements, or other attached papers are to be given Insured Dependent – means Your Insured Spouse or
the meanings as ascribed in this section or as later Insured Dependent Child.
defined.
Insured Dependent Child - means Your Eligible
Age - means the age of the Insured Person on the Dependent Child: (1) whom You have elected to cover
Insured Person's most recent birthday, regardless of the under the Policy; (2) for whom premium has been paid
actual time of birth. when due; and (3) while covered under the Policy.
Covered Activity (ies) - means those activities set out Insured Person – means the Insured or an Insured
in the Covered Activities section of the Schedule with Dependent.
respect to which Insured Persons are provided accident
insurance under the Policy. Insured Spouse – means Your Eligible Spouse; (1)
whom You have elected to cover under the Policy; (2)
Eligible Spouse – means Your legal spouse. for whom premium has been paid when due; and (3)
while covered under the Policy.
Eligible Dependent – means an Eligible Spouse or
Eligible Dependent Child. Physician - means a licensed practitioner of the healing
arts acting within the scope of his or her license who is
Eligible Dependent Child – means Your unmarried not: 1) the Insured Person; 2) an Immediate Family
child(ren), including natural, step, foster or adopted Member; or 3) retained by the Policyholder.
children from the moment of placement in Your home,
under age 19 ( 23 if attending an accredited institution You, Your – means the Insured.
of higher learning on a full time basis) and primarily
dependent on You for support and maintenance. If the INSURED'S EFFECTIVE AND TERMINATION DATES
Insured has a court order to provide coverage under the
Policy to a child, the amount of support contributed by Effective Date. Your coverage under the Policy begins
the Insured for such child will not be used to determine on the latest of: (1) the Policy Effective Date; (2) the
whether or not such child is an “eligible dependent date for which the first premium for Your coverage is
child.” paid when due; (3) the date You become a member of
an eligible class of persons, as described in the
Immediate Family Member - means a person who is Classification of Eligible Persons section of the
related to the Insured Person in any of the following Schedule; (4) if individual enrollment is required, the
ways: spouse, brother-in-law, sister-in-law, son-in-law, date enrollment is received.
daughter-in-law, mother-in-law, father-in-law, parent
(includes stepparent), grandparent, brother or sister Termination Date. Your coverage under the Policy ends
(includes stepbrother or stepsister), or child (includes on the earliest of: (1) the date the Policy is terminated
legally adopted or stepchild). (unless the Company and the Policyholder agree, in
writing, to permit coverage to continue to the end of the
Injury - means bodily injury: (1) which is sustained as a period for which premiums have been paid in lieu of a
direct result of an unintended, unanticipated accident return of unearned premiums); (2) the premium due date
that is external to the body and that occurs while the if premiums are not paid when due; (3) the date You
injured person's coverage under the Policy is in force; cease to be a member of any eligible class(es) of
(2) which directly (independent of sickness, disease, persons, as described in the Classification of Eligible
mental incapacity, bodily infirmity or any other cause) Persons section of the Schedule; (4) the date You
causes a covered loss; and (3) which occurs while such request that Your coverage be terminated; or (5) the
person is participating in a Covered Activity. date You attain Age 85.
Insured - means a person: (1) who is a member of an Termination of coverage will not affect a claim for a
eligible class of persons as described in the covered loss that occurred while Your coverage was in
Classification of Eligible Persons section of the force under the Policy.
Schedule; (2) for whom premium has been paid when
due; (3) while covered under the Policy; and (4) who has INSURED DEPENDENT’S EFFECTIVE AND
enrolled for coverage under the Policy, if required. TERMINATION DATES
However, an Insured does not include any person
10
DTC101BNJ
15. Effective Date. Your Eligible Dependent’s coverage Person’s class in the Benefit Schedule, subject to the
under the Policy begins on the latest of: (1) the date Reduction Schedule shown in the Limitations section.
Your coverage under the Policy begins, (2) the date the
first premium for the Eligible Dependent’s coverage is
paid when due; (3) the date the person becomes an
Eligible Dependent; or 4) if individual enrollment is Emergency Transportation and Treatment Benefit
required, the date Your enrollment is received.
Emergency Transportation Benefit. If an Insured
Termination Date. An Insured Dependent’s coverage Person suffers an Injury that requires Emergency
under the Policy ends on the earliest of: (1) the date Treatment within 24 hours of the date of the accident
Your coverage under the Policy ends; (2) the premium that caused the Injury and it is determined that it is
due date if premiums for the Insured Dependent are not Medically Necessary that such Insured Person be
paid when due; (3) the date You request that coverage transported to a Hospital or a Satellite Emergency
for the Insured Dependent be terminated; or (4) the date Center by Ambulance, the Company will pay 100% of
the Insured Dependent ceases to meet the definition of the Emergency Transportation Maximum Amount shown
an Eligible Dependent. in the Benefit Schedule. Only one Emergency
Transportation Benefit is payable for any one accident
Termination of coverage will not affect a claim for a per Insured Person. The maximum number of
covered loss that occurred while the Insured Emergency Transportation Benefits payable per
Dependent’s coverage was in force under the Policy. calendar year per Insured Person regardless of the
number of accidents incurred, is shown in the Benefit
PREMIUM Schedule.
Premiums. The Company provides insurance in return Emergency Treatment Benefit. If an Insured Person
for premium payments. The premium shown in the suffers an Injury that, within 24 hours of the date of the
Schedule is payable to the Company in the manner accident that caused the Injury, requires him or her to
described in the Schedule. The Company may change receive Medically Necessary Emergency Treatment in a
the required premiums due by giving the Policyholder at Hospital emergency room or a Satellite Emergency
least 31 days advance written notice. The Company Center, the Company will pay 100% Emergency
may also change the required premiums at any time Treatment Benefit Maximum Amount shown in the
when any coverage change affecting premiums is made Benefit Schedule. Only one Emergency Treatment
in the Policy. Benefit is payable for any one accident per Insured
Person. The maximum number of Emergency Treatment
Grace Period. A Grace Period of 31 days will be Benefits payable per calendar year per Insured Person
provided for the payment of any premium due after the regardless of the number of accidents incurred, is shown
first. An Insured Person’s coverage will not be in the Benefit Schedule.
terminated for nonpayment of premium during the Grace
Period if all premiums due are paid by the last day of the Definitions
Grace Period. An Insured Person’s coverage will
terminate on the last day of the period for which all Ambulance – means any publicly or privately owned
premiums have been paid if all premiums due are not surface, water or air vehicle, including a helicopter, that
paid by the last day of the Grace Period. is specifically designed and constructed or modified and
equipped to be used, maintained or operated primarily
If the Company expressly agrees to accept late payment for the transportation of individuals who are sick, injured
of a premium without terminating coverage under the or wounded. Ambulance does not include a surface,
Policy, the Company does so in accordance with the water or air vehicle that is owned and operated to
Noncompliance with Policy Requirements provision of accommodate an incapacitated or disabled person who
the General Provisions section. does not require medical monitoring, care or treatment
during transport.
No Grace Period will be provided if the Company
receives notice to terminate the Insured Person’s Emergency Treatment – means treatment for a medical
coverage under the Policy prior to a premium due date. condition manifesting itself by acute symptoms of
sufficient severity (including severe pain) such that a
BENEFITS prudent layperson with average knowledge of health and
medicine could reasonably expect the absence of
Maximum Amount. As applicable to each Benefit immediate medical attention to result in:
provided by the Policy for each Insured Person, 1. Placing the health of the person (or with respect to a
Maximum Amount means the amount shown as the pregnant woman, the health of her unborn child) in
maximum amount for that Benefit for the Insured serious jeopardy;
2. Serious impairment to bodily functions; or
11
DTC101BNJ
16. 3. Serious dysfunction of any bodily organ or part. Day(s) of Confinement - means a day of Hospital
confinement as an Inpatient.
Hospital - means a facility which: (1) is operated
according to law for the care and treatment of injured Hospital - means a facility which: (1) is operated
and sick people; (2) has organized facilities for diagnosis according to law for the care and treatment of injured
and surgery on its premises or in facilities available to it and sick people; (2) has organized facilities for diagnosis
on a prearranged basis; (3) has 24 hour nursing service and surgery on its premises or in facilities available to it
by registered nurses (R.N.’s); and (4) is supervised by on a prearranged basis; (3) has 24 hour nursing service
one or more Physicians. A Hospital does not include: by registered nurses (R.N.’s); and (4) is supervised by
(1) a nursing, convalescent or geriatric unit of a hospital one or more Physicians. A Hospital does not include:
when a patient is confined mainly to receive nursing (1) a nursing, convalescent or geriatric unit of a hospital
care; or (2) a facility that is, other than incidentally, a rest when a patient is confined mainly to receive nursing
home, nursing home, convalescent home or home for care; or (2) a facility which is, other than incidentally, a
the aged; nor does it include any ward room, wing, or rest home, nursing home, convalescent home or home
other section of the hospital that is used for such for the aged; nor does it include any ward room, wing, or
purposes. other section of the hospital that is used for such
purposes.
Medically Necessary – means an Emergency
Treatment or Transportation is: (1) essential for the Inpatient - means a person: (1) who is confined in a
diagnosis, treatment and care of the Injury; (2) meets Hospital as a registered bed patient; and (2) for whom at
generally accepted standards of medical practice; (3) is least one day's room and board is charged by the
ordered by a Physician and performed under the Hospital unless the Insured Person is confined as an
Physician’s care, supervision or order; or (4) with regard Inpatient in any military, veterans or other government
to Emergency Transportation, is subsequently supported or sponsored Hospital for which a charge for
authorized by a Physician as appropriate due to the room and board is not made.
nature of the Injury.
Medically Necessary – means that confinement as an
Satellite Emergency Center - means a licensed facility In-patient in a Hospital is (1) essential for the diagnosis,
providing outpatient care under the direction of a treatment and care of the Injury; (2) in accordance with
Physician on a 24 hour basis. Available services must generally accepted standards of medical practice; and
include: (1) diagnostic care, including laboratory services (3) ordered by a Physician.
and diagnostic x-rays; and (2) treatment or medical care,
including availability of the means for stabilization of Period of Confinement - means a period of
emergency medical conditions. A Satellite Emergency consecutive Days of Confinement as an Inpatient for all
Center does not include a Hospital or an office Injuries caused by the same accident. However,
maintained by a Physician for the practice of medicine or successive confinements as an Inpatient for all Injuries
dentistry. caused by the same accident are considered to be part
of the same Period of Confinement, unless the
In-Hospital Indemnity Daily Benefit discharge date for the prior confinement is separated
from the admission date for the next confinement by at
If an Insured Person suffers an Injury that, within 90 least 60 days.
days of the date of the accident that caused the Injury,
requires him or her to be confined in a Hospital as an In-Hospital Indemnity Single Payment Benefit
Inpatient, the Company will pay a benefit after 1 Day of
Medically Necessary Confinement due to that Injury, If an Insured Person suffers an Injury that, within 90
retroactive to the first Day of Confinement. No benefit is days of the date of the accident that caused the Injury,
provided for any Day(s) of Confinement that are not requires him or her to be confined in a Hospital as an
Medically Necessary. The amount of the benefit is equal Inpatient, the Company will pay a benefit after 30
to 100% of the Daily Maximum Amount shown for the In- consecutive Day(s) of Medically Necessary Confinement
Hospital Indemnity Daily Benefit in the Benefit Schedule due to that Injury. No benefit is provided if the Insured
per day of Medically Necessary Inpatient confinement Person is confined for less than 30 consecutive
due to that Injury. It is payable monthly up to the Medically Necessary Days of Confinement. The amount
Maximum Number of Days shown for the In-Hospital of the benefit is equal to 100% of the Maximum Amount
Indemnity Daily Benefit in the Benefit Schedule during shown for the In-Hospital Indemnity Single Payment
any one Period of Confinement. Only one benefit is Benefit in the Benefit Schedule. Only one benefit is
provided for any one Day of Confinement, regardless of provided for any one accident per Insured Person
the number of Injuries for which the confinement is regardless of the number of Injuries for which the
required. confinement is required or the number of times the
Insured Person must be confined due to Injuries
resulting from the same accident.
12
DTC101BNJ
17. provided for any Day(s) of Confinement that are not
If an Insured Person suffers an Injury that, within 90 Medically Necessary. The amount of the benefit is equal
days of the date of the accident that caused the Injury, to 100% of the In-Hospital Indemnity Sickness Daily
requires him or her to be confined in a Hospital as an Benefit shown in the Benefit Schedule per day of
Inpatient, the Company will pay a benefit after 60 Medically Necessary Inpatient confinement due to that
consecutive Day(s) of Medically Necessary Confinement Sickness. The benefit is payable monthly up to the
due to that Injury. No benefit is provided if the Insured Maximum Number of Days shown for the In-Hospital
Person is confined for less than 60 consecutive Indemnity Sickness Daily Benefit in the Benefit Schedule
Medically Necessary Days of Confinement. The amount during any one Period of Confinement. Only one benefit
of the benefit is equal to 100% of the Maximum Amount is provided for any one Day of Confinement, regardless
shown for the In-Hospital Indemnity Single Payment of the number of Sicknesses for which the confinement
Benefit in the Benefit Schedule. Only one benefit is is required.
provided for any one accident per Insured Person
regardless of the number of Injuries for which the Day(s) of Confinement - means a day of Hospital
confinement is required or the number of times the confinement as an Inpatient.
Insured Person must be confined due to Injuries
resulting from the same accident. Hospital - means a facility which: (1) is operated
according to law for the care and treatment of injured
Day(s) of Confinement - means a day of Hospital and sick people; (2) has organized facilities for diagnosis
confinement as an Inpatient. and surgery on its premises or in facilities available to it
on a prearranged basis; (3) has 24 hour nursing service
Hospital - means a facility which: (1) is operated by registered nurses (R.N.’s); and (4) is supervised by
according to law for the care and treatment of injured one or more Physicians. A Hospital does not include:
and sick people; (2) has organized facilities for diagnosis (1) a nursing, convalescent or geriatric unit of a hospital
and surgery on its premises or in facilities available to it when a patient is confined mainly to receive nursing
on a prearranged basis; (3) has 24 hour nursing service care; or (2) a facility which is, other than incidentally, a
by registered nurses (R.N.’s); and (4) is supervised by rest home, nursing home, convalescent home or home
one or more Physicians. A Hospital does not include: for the aged; nor does it include any ward room, wing, or
(1) a nursing, convalescent or geriatric unit of a hospital other section of the hospital that is used for such
when a patient is confined mainly to receive nursing purposes.
care; or (2) a facility which is, other than incidentally, a
rest home, nursing home, convalescent home or home Inpatient - means a person: (1) who is confined in a
for the aged; nor does it include any ward room, wing, or Hospital as a registered bed patient; and (2) for whom at
other section of the hospital that is used for such least one day's room and board is charged by the
purposes. Hospital unless the Insured Person is confined as an
Inpatient in any military, veterans or other government
Inpatient - means a person: (1) who is confined in a supported or sponsored Hospital for which a charge for
Hospital as a registered bed patient; and (2) for whom at room and board is not made.
least one day's room and board is charged by the
Hospital unless the Insured Person is confined as an Medically Necessary – means that confinement as an
Inpatient in any military, veterans or other government In-patient in a Hospital is (1) essential for the diagnosis,
supported or sponsored Hospital for which a charge for treatment and care of the Sickness; (2) in accordance
room and board is not made. with generally accepted standards of medical practice;
and (3) ordered by a Physician.
Medically Necessary – means that confinement as an
In-patient in a Hospital is (1) essential for the diagnosis, Period of Confinement - means a period of
treatment and care of the Injury; (2) in accordance with consecutive Days of Confinement as an Inpatient for the
generally accepted standards of medical practice; and same Sickness. However, successive confinements as
(3) ordered by a Physician. an Inpatient for the same Sickness are considered to be
part of the same Period of Confinement, unless the
In-Hospital Indemnity Sickness Daily Benefit discharge date for the prior confinement is separated
Not applicable to Insured Persons Age 75 or older from the admission date for the next confinement by at
least 60 days.
If, after an Insured Person has been covered under the
Policy for at least 0 consecutive months and that Insured If the same Insured Person is again confined due to the
Person suffers a Sickness that requires him or her to be same Sickness or a new Sickness and such successive
confined in a Hospital as an Inpatient, the Company will confinement is separated from the admission date for
pay a benefit after 3 consecutive Day(s) of Medically the first confinement by at least 60 days and the Insured
Necessary Confinement due to that Sickness, Person has not been paid the Maximum Number of
retroactive to the first Day of Confinement. No benefit is Days shown in the In-Hospital Indemnity Sickness Daily
13
DTC101BNJ
18. Benefit for previous Medically Necessary Days of and sick people; (2) has organized facilities for diagnosis
Confinement, benefits will continue to be payable under and surgery on its premises or in facilities available to it
this benefit for the same Sickness or a new Sickness in on a prearranged basis; (3) has 24 hour nursing service
accordance with the requirements specified above until by registered nurses (R.N.’s); and (4) is supervised by
the Maximum Number of Days shown in the In-Hospital one or more Physicians. A Hospital does not include:
Indemnity Sickness Daily Benefit in the Benefit (1) a nursing, convalescent or geriatric unit of a hospital
Scheduled have been paid for that Insured Person. when a patient is confined mainly to receive nursing
Once the maximum has been reached, no benefits are care; or (2) a facility which is, other than incidentally, a
payable for any additional confinements due to Sickness rest home, nursing home, convalescent home or home
for the lifetime of the Insured Person. for the aged; nor does it include any ward room, wing, or
other section of the hospital that is used for such
Sickness – means an illness or disease which is purposes.
diagnosed or treated by a Physician after the effective
date of coverage under this Policy. Inpatient - means a person: (1) who is confined in a
Hospital as a registered bed patient; and (2) for whom at
Any exclusion within the Exclusions section regarding least one day's room and board is charged by the
sickness or disease; stroke or cerebrovascular accident Hospital unless the Insured Person is confined as an
or event; cardiovascular accident or event; myocardial Inpatient in any military, veterans or other government
infarction or heart attack; coronary thrombosis or supported or sponsored Hospital for which a charge for
aneurysm is hereby waived for this benefit. room and board is not made.
In-Hospital Indemnity Sickness Single Payment Medically Necessary – means that confinement as an
Benefit In-patient in a Hospital is (1) essential for the diagnosis,
Not applicable to Insured Persons Age 75 or older treatment and care of the Sickness; (2) in accordance
with generally accepted standards of medical practice;
If, after an Insured Person has been covered under the and (3) ordered by a Physician.
Policy for at least 0 consecutive months and that Insured
Person suffers a Sickness that requires him or her to be Sickness – means an illness or disease which is
confined in a Hospital as an Inpatient, the Company will diagnosed or treated by a Physician after the effective
pay a benefit after 30 consecutive Day(s) of Medically date of coverage under this Policy.
Necessary Confinement due to that Sickness. No benefit
is provided if the Insured Person is confined for less than Any exclusion within the Exclusions section regarding
30 consecutive Medically Necessary Days of sickness or disease; stroke or cerebrovascular accident
Confinement. The amount of the benefit is equal to or event; cardiovascular accident or event; myocardial
100% of the Maximum Amount shown for the In-Hospital infarction or heart attack; coronary thrombosis or
Indemnity Sickness Single Payment Benefit in the aneurysm is hereby waived for this benefit.
Benefit Schedule. The maximum number of In-Hospital
Indemnity Sickness Single Payment Benefits payable is Physician’s Office Visits Indemnity Benefit
shown in the Benefit schedule.
If the Insured visits a Physician’s office for treatment of
If, after an Insured Person has been covered under the Routine Well Care, an Injury or Sickness while the
Policy for at least 0 consecutive months and that Insured Insured’s coverage under this Benefit is in force, the
Person suffers a Sickness that requires him or her to be Company will pay a benefit equal to the Per Visit Benefit
confined in a Hospital as an Inpatient, the Company will shown in the Benefit Schedule, subject to Maximum
pay a benefit after 60 consecutive Day(s) of Medically Number of Visits and the Maximum Benefit Amount
Necessary Confinement due to that Sickness. No benefit shown in the Benefit Schedule.
is provided if the Insured Person is confined for less than
60 consecutive Medically Necessary Days of Definitions
Confinement. The amount of the benefit is equal to
100% of the Maximum Amount shown for the In-Hospital Routine Well Care - means a physical examination or
Indemnity Sickness Single Payment Benefit in the appropriate immunization. Service must be under the
Benefit Schedule. The maximum number of In-Hospital supervision of or recommended by a Physician.
Indemnity Sickness Single Payment Benefits payable is
shown in the Benefit schedule. Sickness – means an illness or disease which is
diagnosed or treated by a Physician after the effective
Day(s) of Confinement - means a day of Hospital date of coverage under the Policy.
confinement as an Inpatient.
The Sickness exclusions in the Exclusions section of the
Hospital - means a facility which: (1) is operated Certificate or as amended shall not apply with respect to
according to law for the care and treatment of injured
14
DTC101BNJ
19. benefits payable under the Physician’s Office Visits (Loss caused while on short-tem National Guard or
Indemnity Benefit. reserve duty for regularly scheduled training
LIMITATIONS purposes is not excluded).
8. travel or flight in or on (including getting in or out of,
Reduction Schedule. The Maximum Amount used to or on or off of) any vehicle used for aerial navigation,
determine the amount payable for a loss will be reduced if the Insured Person is:
if an Insured Person is age 70 or older on the date of the a. riding as a passenger in any aircraft not
accident causing the loss with respect to any of the intended or licensed for the transportation of
following Benefits provided by the Policy: Emergency passengers; or
Transportation and Treatment Benefit, In-Hospital b. performing, learning to perform or instructing
Indemnity Daily Benefit, In-Hospital Indemnity Single others to perform as a pilot or crew member
Payment Benefit, In-Hospital Indemnity Sickness Daily of any aircraft; or
Benefit, In-Hospital Indemnity Sickness Single Payment c. riding as a passenger in an aircraft owned,
Benefit. The Maximum Amount is reduced to a leased or operated by the Policyholder or
percentage of the Maximum Amount that would be used the Insured’s employer;
if the Insured Person were under age 70 on the date of 9. the Insured Person being under the influence of
the accident, according to the following schedule: intoxicants.
10. the Insured Person being under the influence of
AGE ON DATE PERCENTAGE OF UNDER- drugs unless taken under the advice of and as
OF ACCIDENT AGE-70 MAXIMUM AMOUNT specified by a Physician.
11. the medical or surgical treatment of sickness,
70 or older 50% disease, mental incapacity or bodily infirmity whether
the loss results directly or indirectly from the
Premium for an Insured Person age 70 or older is based treatment.
on 100% of the coverage that would be in effect if the 12. stroke or cerebrovascular accident or event;
Insured Person were under age 70. cardiovascular accident or event; myocardial
infarction or heart attack; coronary thrombosis;
EXCLUSIONS aneurysm.
13. any condition for which the Insured Person is
No coverage shall be provided under the Policy and no entitled to benefits under any Worker’s
payment shall be made for any loss resulting in whole or Compensation Act or similar law.
in part from, or contributed to by, or as a natural and
probable consequence of any of the following excluded 14. the Insured Person riding in or driving any type of
risks even if the proximate or precipitating cause of the motor vehicle as part of a speed contest or
loss is an accidental bodily Injury. scheduled race, including testing such vehicle on a
track, speedway or proving ground.
1. suicide or any attempt at suicide or intentionally self- 15. any loss incurred while outside the United States, its
inflicted Injury or any attempt at intentionally self- Territories or Canada.
inflicted Injury or autoeroticism.
2. sickness, disease, mental incapacity or bodily CLAIMS PROVISIONS
infirmity whether the loss results directly or indirectly
from any of these Notice of Claim. Written notice of claim must be given
3. the Insured Person's commission of or attempt to to the Company within 20 days after an Insured Person's
commit a felony. loss, or as soon thereafter as reasonably possible.
4. infections of any kind regardless of how contracted, Notice given by or on behalf of the Insured Person to the
except bacterial infections that are directly caused Company at LOTSolutions, Claims Department, P. O.
by botulism, ptomaine poisoning or an accidental cut Box 2066, Jacksonville, FL 32203-2066, with information
or wound independent and in the absence of any sufficient to identify the Insured Person, is deemed
underlying sickness, disease or condition including notice to the Company.
but not limited to diabetes.
5. declared or undeclared war, or any act of declared Claim Forms. The Company will send claim forms to
or undeclared war, except if specifically provided by the claimant upon receipt of a written notice of claim. If
the Policy. such forms are not sent within 15 days after the giving of
6. participation in any team sport or any other athletic notice, the claimant will be deemed to have met the
activity, except participation in a Covered Activity. proof of loss requirements upon submitting, within the
7. full-time active duty in the armed forces, National time fixed in the Policy for filing proofs of loss, written
Guard or organized reserve corps of any country or proof covering the occurrence, the character and the
international authority. (Unearned premium for any extent of the loss for which claim is made. The notice
period for which the Insured Person is not covered should include Your name, the Insured Person’s name, if
due to his or her active duty status will be refunded)
15
DTC101BNJ