Page 84 - Aflac Flipbook 2023

Disease and the Covered Person receives treatment for the Person to take the medication orally for a period of more than thirty Aflac will not pay benefits for any loss that is diagnosed or treated referral prohibited by Subsection 1-302 of the Health Occupations
Specified Disease. Such pathological report or, if applicable, days but less than 61 days, we will pay the stated amount under the outside the territorial limits of the United States or its possessions. Article.
clinical diagnosis must be submitted to Aflac for benefits to be applicable Nonsurgical Treatment Benefit in advance for one Aflac may void the policy and will not pay benefits whenever: (1) 7. Renewability: The policy is guaranteed renewable for your lifetime as

payable. additional, consecutive Calendar Month without requiring proof a
Covered Person incurred a charge for the medication during the material facts or circumstances have been concealed or long as you pay the premiums when they are due or within the grace
5. Payment of Nonsurgical Treatment Benefits: additional, consecutive Calendar Month, and for refills instructing a misrepresented in making a claim under the policy; or (2) fraud is period. The premium due date shall be the date the coverage period
Covered Person to take the medication orally for a period of more committed or attempted in connection with any matter relating to the begins. We may deny claims if you have performed an act or practice
If an initial prescription of Hormonal Therapy, Chemotherapy, policy. If you have received benefits that were not contractually due that constitutes fraud, or have made an intentional misrepresentation
Immunotherapy, or Experimental Chemotherapy medication instructs than sixty days but less than 91 days, we will pay the stated amount under the policy, then Aflac reserves the right to offset any benefits of material fact, relating in any way to the policy, including claims for
a Covered Person to take the medication orally for a period of thirty under the applicable Nonsurgical Treatment Benefit in advance for payable under the policy up to the amount of benefits you received benefits under the policy (subject to the Time Limit on Certain
days or less, then the payment under the applicable Nonsurgical two additional, consecutive Calendar Months without requiring proof a that were not contractually due. Defenses provision). We may change the premium we charge, but not
Treatment Benefit is limited to the Calendar Month in which the Covered Person incurred a charge for the medication during the specific to any one person. Any premium change will be made for all
medication was prescribed, received, and the Covered Person additional, consecutive Calendar Months. Benefits will not be paid for any claim, bill or other demand or request policies of the same form number and premium classification in the
incurred a charge. For injected treatment, the stated amount under the applicable for health care services determined to be furnished as a result of a state where the policy was issued that are then in force.
Radiation Therapy, Chemotherapy, Immunotherapy, Or Experimental
If a prescription of Hormonal Therapy, Chemotherapy,

Immunotherapy, or Experimental Chemotherapy medication which Chemotherapy Benefit is payable one time per prescribed injection, RETAIN FOR YOUR RECORDS.
instructs a Covered Person to take the medication orally for a period but not more than one time per Calendar Month. The
of thirty days or less is refilled during a Calendar Month in which the Surgical/Anesthesia Benefit provides amounts payable for insertion THIS IS ONLY A BRIEF SUMMARY OF THE COVERAGE PROVIDED.
stated amount under the applicable Nonsurgical Treatment Benefit and removal of a pump. Benefits will not be paid for each month of REFER TO THE POLICY AND RIDER(S) FOR COMPLETE DEFINITIONS, DETAILS, LIMITATIONS AND EXCLUSIONS.
has previously been paid, then we will pay the stated amount under continuous infusion of medications dispensed by a pump, implant, or
the applicable Nonsurgical Treatment Benefit in advance for one patch.

additional Calendar Month for which it has not previously been paid If only Experimental Chemotherapy is payable during any Calendar
without requiring proof a Covered Person incurred a charge for the Month, the benefit amount will be reduced 50% for Experimental
medication during that additional Calendar Month. Otherwise, if the Chemotherapy for which no charge is incurred. If a Covered Person
prescription is refilled during a Calendar Month in which the stated received the stated amount under the applicable Radiation Therapy,
amount under the applicable Nonsurgical Treatment Benefit has not Chemotherapy, Immunotherapy, Or Experimental Chemotherapy
been previously paid, then the benefit is limited to the Calendar Benefit at the reduced 50% amount and, later in the same Calendar
Month in which the medication was prescribed, received, and the Month, receives Radiation Therapy, Chemotherapy, Immunotherapy,
Covered Person incurred a charge. or Experimental Chemotherapy where a charge is incurred, we will

If an initial prescription of Hormonal Therapy, Chemotherapy, pay the difference between the 50% previously received and the
Immunotherapy, or Experimental Chemotherapy medication instructs Radiation Therapy, Chemotherapy, Immunotherapy, or Experimental
a Covered Person to take the medication orally for a period of more Therapy Benefit.
than thirty days but less than 61 days, then we will pay the stated
amount under the applicable Nonsurgical Treatment Benefit in 6. Exceptions, Reductions, and Limitations of the Policy (policy is
advance for one additional, consecutive Calendar Month without not a daily hospital expense plan):
requiring proof a Covered Person incurred a charge for the
medication during the additional, consecutive Calendar Month. Except as specifically provided in the Benefits section of the policy,
Aflac will pay only for treatment of Cancer or Associated Cancerous
If an initial prescription of Hormonal Therapy, Chemotherapy, Conditions, including direct extension, metastatic spread, or
Immunotherapy, or Experimental Chemotherapy medication instructs recurrence. Benefits are not provided for premalignant conditions or
a Covered Person to take the medication orally for a period of more conditions with malignant potential (unless specifically covered);
than sixty days but less than 91 days, then we will pay the stated complications of either Cancer or an Associated Cancerous Condition;
amount under the applicable Nonsurgical Treatment Benefit in or any other disease, sickness, or incapacity.
advance for two additional, consecutive Calendar Months without
requiring proof a Covered Person incurred a charge for the If a Covered Person has Cancer or an Associated Cancerous
medication during the additional, consecutive Calendar Months. Condition diagnosed after the date the application for coverage was
signed but before the Effective Date of coverage, benefits for
If a prescription of Hormonal Therapy, Chemotherapy, treatment of that Cancer or Associated Cancerous Condition, or any
Immunotherapy, or Experimental Chemotherapy medication which recurrence, extension, or metastatic spread of that same Cancer or
instructs a Covered Person to take the medication orally for a period Associated Cancerous Condition, will apply only to treatment
of more than thirty days is refilled during a Calendar Month in which occurring after two years from the Effective Date of such person’s
the payment under the applicable Nonsurgical Treatment Benefit has coverage. You may, at your option, elect to void the coverage and
previously been paid, then we will pay the stated amount under the receive a full refund of premium.
applicable Nonsurgical Treatment Benefit in advance for up to three
additional, consecutive Calendar Months for which it has not The Initial Diagnosis Benefit is not payable for: (1) the diagnosis of
previously been paid without requiring proof a Covered Person Nonmelanoma Skin Cancer, unless the skin cancer leads to internal
incurred a charge for the medication during the three additional, cancer that is initially diagnosed as Internal Cancer while the policy is
consecutive Calendar Months. Otherwise, if the prescription is refilled in force; or (2) claims incurred prior to the Effective Date of this policy.
during a Calendar Month in which the payment under the applicable A claim for the Initial Diagnosis Benefit is considered incurred on the
Nonsurgical Treatment Benefit has not been previously paid, then, so date the tissue specimen, culture, and/or titer is taken upon which
long as the Covered Person incurred a charge during the first the original distinct diagnosis of Internal Cancer or Associated
Calendar Month of the prescription, for refills instructing a Covered Cancerous Condition is based.

B70325NMD 6 4/19 B70325NMD 7 4/19