Description / Exclusions / Application
Plan Limitations
Short Term Medical insurance is designed to protect you in the event of an unexpected illness or injury. Because of this, coverage for preventive care, physicals immunizations, dental or eye care are not covered.Plan Exclusions
The following general summary outlines expenses that are not covered by this temporary health insurance plan.
This Short Term Medical plan does not cover:
- Treatment of a pre-existing condition, including those not inquired about on the enrollment form
( A pre-existing condition is an illness or injury for which the covered person received medical treatment or advice from a physician within the 5 year period immediately preceding the covered person's effective date; or that produced signs or symptoms within the 5 year period immediately preceding the covered person's effective date.)
- Intentionally self inflicted sickness or injury
- Free services provided by a federal, veteran's, state or municipal hospital
- Dental treatment unless a hospital stay is required
- Eyeglasses, contact lenses, eye exams
- Artificial hearing devices
- Preventive treatment including routine physical exams and immunizations
- Normal pregnancy or childbirth
- Routine well-baby care including hospital nursery charges at birth or abortion
- Cosmetic treatment
- Treatment, repair or removal of tonsils or adenoids, except as an emergency
- Treatment or services required due to an injury received while engaging in any hazardous occupation or other hazardous activity
- Treatment or services required due to injury received while engaging in any hazardous occupation or other activity for which compensation is received
- Treatment or services required due to injury sustained while participating in any inter-collegiate sport, contest or competition or while practicing exercising, undergoing conditioning or physical preparation for any such sport, contest or competition
- Treatment or services required for Sickness or Injury resulting from consumption abuse or overdose of alcoholic beverages or any illegal or controlled substance
- Expenses incurred outside of the United States or its possessions or Canada
- Services or supplies for foot care, including care of corns, bunions or calluses
Although the above provides a good description of the important features of the Short Term Medical plan, this is not the insurance contract and only the actual contract defines coverage. The policy itself sets forth in detail the rights and obligations of both you and the insurance company.
About Assurant Health
Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden Life Insurance Company and Union Security Insurance Company.
