Page 63 - Aflac Flipbook 2023

SPECIFIED HEALTH EVENT RECOVERY BENEFIT: Aflac will pay regulatory board determines were provided as a result of a
$500 per month while a Covered Person remains in Specified Health referral prohibited by Subsection 1-302 of the Health
Event Recovery upon receipt of written proof of Loss from that Occupations Article.
person’s Physician.
H. The policy does not cover Losses or confinements caused
Lifetime maximum of six months per Covered Person. by or resulting from:

5. Exceptions, Reductions, and Limitations of the Policy (not a daily 1. Participating in any sport or sporting activity for wage,
hospital expense plan): compensation, or profit, including officiating or coaching; or
racing any type vehicle in an organized event;
A. The Benefits for Intensive Care Unit Confinements will be
reduced by one-half for confinements that begin on or after the 2. Intentionally self-inflicting a bodily Injury or committing or
policy anniversary date following the 70th birthday of a Covered attempting suicide, while sane or insane;
Person. 3. Having elective surgery that is not Medically Necessary
within the first 12 months of the Effective Date of coverage;
B. The Benefits for Intensive Care Unit Confinements are not
payable for confinement in units such as telemetry or surgical or
recovery rooms, postanesthesia care units, private monitored 4. Being exposed to war or any act of war, declared or
rooms, observation units located in emergency room or undeclared, or actively serving in any of the armed forces
outpatient surgery units, or other facilities that do not meet the or units auxiliary thereto, including the National Guard or
standards for a Hospital Intensive Care Unit or Step-Down Reserve. (Aflac will, upon receipt of written notice of
Intensive Care Unit. The Hospital Intensive Care Unit Benefit is military service, refund all premiums as is applicable to
not payable for confinement in progressive care units or such persons on a pro rata basis).
intermediate care units.
PRE-EXISTING CONDITION LIMITATIONS: A “Pre-existing
C. Aflac will not pay benefits for any Loss that is caused by a Pre- Condition” is an illness, disease, infection, disorder, or Injury for
existing Condition unless the Loss occurs more than 12 months which, within the 12-month period before the Effective Date of
after the Effective Date of coverage. coverage, prescription medication was taken or medical testing,
medical advice, consultation, or treatment was recommended or
D. Aflac will not pay benefits for any Loss that is diagnosed or received, or for which symptoms existed that would ordinarily cause a
treated outside the territorial limits of the United States or its prudent person to seek diagnosis, care, or treatment. Benefits will not
possessions. be payable for any Loss that is caused by a Pre-existing Condition

E. For any benefit to be payable, the Loss must occur on or after unless the Loss occurs more than 12 months after the Effective Date
the Effective Date of coverage and while coverage is in force. If of coverage. A Pre-existing Condition does not include a condition
more than one Specified Health Event per Covered Person admitted in the application which was not excluded by a signed
occurs on the same day, only the highest eligible benefit will be waiver rider.
paid. 6. Renewability: The policy is guaranteed-renewable for your lifetime
by the timely payment of premiums at the rate in effect at the
F. Aflac will not pay benefits whenever fraud is committed in
making a claim under this coverage for which benefits were beginning of each term, with some benefits reduced beginning at age
received that were not lawfully due and that fraudulently 70, except that we may discontinue or terminate the policy if you
induced payment. A fraudulent claim may be denied and if have performed an act or practice that constitutes fraud or have
benefits have been paid, Aflac may take steps to seek made an intentional misrepresentation of material fact relating in any
reimbursement for benefits paid in connection with the way to the policy, including claims for benefits under the
fraudulent claim. policy(subject to the Time Limit on Certain Defenses Provision).
Premium rates may change only if changed on all policies of the
G. Benefits will not be paid for any claim, bill or other demand or same form number and class in force in your state.
request for payment for health care services that the appropriate

RETAIN FOR YOUR RECORDS.
THIS IS ONLY A BRIEF SUMMARY OF THE COVERAGE PROVIDED.
REFER TO THE POLICY FOR COMPLETE DEFINITIONS, DETAILS, LIMITATIONS AND EXCLUSIONS.

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