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| CANCER INSURANCE
- LIMITATIONS AND GLOSSARY |
Limited Benefit Insurance
(Applicable to Policy Form DACIC-FL) |
| Cancer Insurance - Limitations |
| If cancer is not pathologically or clinically diagnosed
until after you die, we will provide benefits from the date of tentative diagnosis. We
will provide these benefits when we receive proof of positive postmortem diagnosis. We will pay cancer benefits if your cancer was not excluded by name
or specific description in the policy |
| Cancer Insurance - Definitions |
| Cancer: |
| means a disease, which is identified by the presence of a
malignant tumor. Cancer also means the uncontrolled growth and spread of cells of the
tumor, the invasion of body tissues, leukemia or Hodgkin’s Disease. |
| Experimental
treatment: |
| means drugs or chemical substances approved by the United
States Food and Drug Administration for experimental use in the treatment of human cancer;
and surgery or therapy endorsed by either the National Cancer Institute or the American
Cancer Society for experimental studies. |
| Hospital: |
| does not include a nursing home, a convalescent facility,
an extended care facility, a skilled nursing home, a rest home or home for the aged or a
place for alcoholics or drug addicts. |
| Home Recovery: |
| means a period in which you are recuperating at home
immediately following hospitalization for treatment of cancer and are under the care of a
doctor. |
| Waiting Period: |
| means the period after the policy effective date during
which no benefits are payable for cancer coverage. |
| Eligible
Dependents: |
| includes your spouse and unmarried dependent children
under age 19. Also eligible are those unmarried children from age 19 to the end of the
calendar year in which they turn 25 if they (1) depend on the employee for support and (2)
live with the employee or are classified as a full or part-time student. |
|
| Renewability: your policy is guaranteed
renewable. Your premium can be changed only if we change it on all policies of this kind
in force in the state where you live. This brochure highlights the benefits of policy
form DACIC-FL. This is not an insurance contract and the actual policy provisions will
control. The policy sets forth in detail the rights and obligations of both you and us. It
is, therefore, important that you READ YOUR POLICY CAREFULLY.
If you have a question or problem concerning this coverage or any insurance matter, you
should first contact your insurance representative or your insurance company and try to
resolve the matter.
If you believe you need further assistance, the Florida
Department of Insurance has an Insurance Consumer Hot Line Toll Free Number,
1-800-342-2762.
You may have elected to purchase this cancer coverage as part of the State of Florida
flexible benefits plan. If so, your flexible benefits plan elections will remain in effect
and cannot be revoked or changed during the Plan Year unless the revocation and new
election are on account of and consistent with a change in family status (e.g., marriage,
divorce, death of spouse or child, birth or adoption of child, and termination of
employment of spouse). |