HOSPITAL CONFINEMENT SICKNESS INDEMNITY LIMITED BENEFIT .
HOSPITAL CONFINEMENT SICKNESS INDEMNITYLIMITED BENEFIT POLICYSURGICAL BENEFITAFLAC will pay benefits according to the Schedule of Operations when a covered person has a surgicaloperation performed for a covered sickness in a hospital or ambulatory surgical center. Only one benefit ispayable per 24-hour period for surgery even though more than one surgical procedure may be performed.We will pay the highest eligible benefit. Benefits are not payable for cosmetic or elective surgery that is notdue to sickness. Surgical Benefits are not payable for surgery performed in a doctor's or dentist's office,clinic, or other such location. Surgery performed but not listed in the Schedule of Operations will be paidaccording to the amount shown for the surgery most similar in severity and gravity. No lifetime maximum.SCHEDULE OF OPERATIONSBONEBone marrow biopsyor aspiration .Arthroscopy.Removal of knee cartilage.Total knee replacement.Total hip replacement. 100150150500750BRAINBurr holes not followedby surgery .Ventriculoperitoneal shunt.Exploratory craniotomy.Excision brain tumor al biopsy .Needle biopsy .Breast reduction.Lumpectomy .Stereotactic biopsy .Axillary node dissection.Partial mastectomy .Breast reconstruction .MastectomySimple .Radical.DIGESTIVEColonoscopy .Esophagoscopy .Exploratory laparotomy .Form IGESTIVE (cont.)Gastroscopy .Sigmoidoscopy .Appendectomy.Colostomy.ERCP .Vagotomy.Partial colectomy .Colectomy.Colectomy with ileostomy Total.EAR/NOSEMyringoscopy .Tympanotomy.Adenoidectomy.Myringoplasty .MastoidectomySimple.Radical.Tonsillectomy with or withoutadenoids.EYECataract .Enucleation .Corneal 00100100150150150300300200500750RC(8/04)
GYNECOLOGICDilation & curettage (D&C).Vaginal delivery .Cesarean tial.Radical.Abdominal hysterectomy with orwithout tubes and ovaries .HEARTInsertion of pacemaker.AngioplastyOne vessel .Two vessels .Coronary artery with graft.Replacement of aorticor mitral valve.LARYNXLaryngoscopy with biopsy.Tracheostomy .Laryngectomy .Laryngectomy with radicalneck dissection 500MISCELLANEOUSFoot surgery .Repair of hernia.Carpal tunnel release(one hand or two).Cleft lip repair.Club foot repair .Partial mandibulectomy(for TMJ).Mandibulectomy .Cleft palate repair .Organ transplant.2504004002,000PANCREASJejunostomy .Pancreatectomy .Whipple procedure .7501,0002,000SPINECordotomy .Laminectomy .450750THYROIDBiopsy .ThyroidectomyOne lobe.Two lobes .1502502502502501504508001,000LIVERNeedle biopsy .Wedge biopsy .Resection of liver .125300750LUNGSNeedle biopsy .Bronchoscopy with biopsy .Thoracostomy .Thoracotomy .Pneumonectomy.Wedge resection of iopsy lymph node .Splenectomy .Lymphadenectomy (bilateral).150300800URINARYBiopsy prostate.Hydrocele.Cystoscopy .Arteriovenous shunt/fistula .Cystotomy.Orchiectomy(unilateral, bilateral) .Biopsy of kidney .TUR bladder .TUR prostate .Prostatectomy, radical.CystectomyPartial.Complete .Nephrectomy .1001001252002003004004754757508001,4001,500
Personal SicknessIndemnity PlanHospital Confinement SicknessIndemnity InsurancePlan Benefits Physician Visits Initial Hospitalization Hospital Confinement Major Diagnostic Exams Surgical Plus . moreAmerican Family Life AssuranceCompany of Columbus (Aflac)Form A45075B1TXIC(2/08)
Personal Sickness Indemnity PlanPolicies A-45100-TX, A-45200-TX, and A-45300-TXK Policy A-45100-TX (Level 1)K Policy A-45200-TX (Level 2)K Policy A-45300-TX (Level 3)Physician Visits BenefitAflac will pay the amount for the level chosen when a coveredperson incurs a charge for a physician visit. Services must beunder the supervision of a physician. This is a healthmaintenance benefit; the sickness of a covered person is notrequired for this benefit to be payable. No lifetime maximum.Level 1Level 2Level 3A-45100-TXA-45200-TX A-45300-TXBenefit Amount 15 20 25Number ofVisits per Year:Individual344Family*688Covered physician visits include, but are not limited to, eyeexams, well-baby visits, immunizations, periodic healthexams, and routine physicals.The following benefits are payable for a covered sickness thatoccurs while coverage is in force. Treatment or confinement in aU.S. government hospital does not require a charge for benefits tobe payable. All of the benefits listed below, except for theHospital Confinement Benefit, are the same for Levels 1, 2, and 3(Policies A-45100-TX, A-45200-TX, and A-45300-TX).Hospital Confinement BenefitAflac will pay the amount per day for the level chosen when acovered person requires hospital confinement for 14 or morehours for a covered sickness or for rehabilitory care as a resultof sickness and incurs a charge. Benefits are not payable fordays beyond the 180th day in a period of hospitalconfinement.** No lifetime maximum.Level 1Level 2Level 3A-45100-TXA-45200-TX A-45300-TXBenefit Amount:Days 1–15 50 75 100Days 16–180 100 150 200Initial Hospitalization BenefitAflac will pay 250 per period of hospital confinement** whena covered person is confined to a hospital for at least 24 hoursfor a covered sickness. This benefit is limited to one paymentper calendar year, per covered person. No lifetime maximum.Major Diagnostic ExamsAflac will pay 150 when a covered person requires one of thefollowing exams for a covered sickness: CT scan MRI (magnetic resonance imaging) EEG (electroencephalogram) Thallium stress test Myelogram Angiogram ArteriogramThese exams must be performed in a hospital, doctor’s office,or ambulatory surgical center, and a charge must be incurred.This benefit is limited to one payment per calendar year, percovered person. No lifetime maximum.Surgical BenefitAflac will pay 100– 2,000 when a covered person has surgeryperformed for a covered sickness in a hospital or ambulatory surgicalcenter based upon the Schedule of Operations in the policy. Only onebenefit is payable per 24-hour period for surgery even though morethan one surgical procedure may be performed. We will pay thehighest eligible benefit. Benefits are not payable for cosmetic orelective surgery that is not due to sickness. Surgical Benefits are notpayable for surgery performed in a doctor’s or dentist’s office, clinic,or other such location. Surgery performed but not listed in theschedule will be paid according to the amount shown for the surgerymost similar in severity and gravity. No lifetime maximum.Ambulance BenefitAflac will pay 100 for ground ambulance and 1,000 for airambulance if, because of a covered sickness, a covered personrequires transportation to or from a hospital. A licensedprofessional ambulance company must provide the ambulanceservice. This benefit is limited to two trips per calendar year,per covered person. No lifetime maximum.Grace PeriodA grace period of 31 days will be granted for the payment ofeach premium falling due after the first premium. During thegrace period, the policy will continue in force.PremiumsPremiums are subject to change. Risk ClassAnnual Semiannual Quarterly MonthlyPolicies: A-45100-TX A-45200-TX A-45300-TX Optional Rider: Additional Initial Hospitalization BenefitA-45050 The person to whom the policy is issued is permitted to returnthe policy to Aflac within 30 days of its delivery and to havethe premium paid refunded.* Family includes two-parent family, one-parent family, and named insured/spouse only.** A period of hospital confinement is the time period of hospital confinement that starts while the policy is in force. If theconfinement follows a previously covered confinement, it will be deemed a continuation of the first confinement unless the laterconfinement is the result of an entirely unrelated sickness or the confinements are separated by 30 days or more.
Aflac’s Personal Sickness Indemnity Plan pays cash benefitsdirectly to you, unless assigned, regardless of any other insuranceyou may have.Continuation of Coverage BenefitAflac will waive all monthly premiums due for the policy andriders for up to two months if you meet all of the followingconditions: (1) Your policy has been in force for at least sixmonths; (2) we have received premiums for at least sixconsecutive months; (3) your premiums have been paid throughpayroll deduction and you leave your employer for any reason;(4) you or your employer notifies us in writing within 30 days ofthe date your premium payments cease because of your leavingemployment; and (5) you re-establish premium payments throughyour new employer’s payroll deduction process or direct paymentto Aflac. You will again become eligible to receive this benefitafter you re-establish your premium payments through payrolldeduction for a period of at least six months and we receivepremiums for at least six consecutive months. Payroll deductionmeans your premiums are remitted to Aflac for you by youremployer through a payroll deduction process.Guaranteed-RenewableThe policy is guaranteed-renewable for your lifetime, subjectto Aflac’s right to change the applicable table of premiumrates by class upon any renewal date.Effective DateThe effective date is the date shown in the Policy Schedule, notthe date the application is signed. Payroll rates may be retainedafter one month’s premium payment on payroll deduction.Family CoverageFamily coverage includes the insured; spouse; and dependent,unmarried children under age 25. Newborns are automaticallycovered under the terms of the policy from the moment ofbirth. One-parent family coverage includes the insured and allof the insured’s unmarried, dependent children under age 25.Pre-Existing ConditionsA pre-existing condition is a sickness for which, within the12-month period before the effective date of coverage, medicaladvice, consultation, or treatment was recommended orreceived, or for which symptoms existed that would ordinarilycause a prudent person to seek diagnosis, care, or treatment.Care or treatment caused by a pre-existing condition will notbe covered unless it begins more than six months after theeffective date of coverage.A sickness is an illness, disease, or disorder diagnosed ortreated 30 days or more after the effective date of coverageand while coverage is in force. It also includes a pregnancywhich starts more than 30 days after your effective date ofcoverage and while coverage is in force. Illnesses, diseases, ordisorders that are diagnosed or treated within the 30-daywaiting period will not be covered for six months from theeffective date of coverage.Limitations and ExclusionsThe sickness benefits of the policy are subject to a 30-daywaiting period. Any sickness medically treated or diagnosedbefore coverage has been in force 30 days from the effectivedate of coverage will not be covered unless the loss begins morethan six months after the effective date of coverage. Other thanthe Physician Visits Benefit, we will not pay benefits for lossesincurred as a result of an injury. We will not pay benefits for acovered person’s giving birth if the pregnancy is a normalpregnancy and the pregnancy began prior to the effective date ofthe policy (complications of pregnancy* will be covered to thesame extent as a sickness). Exception: Newborn children bornwithin the first ten months of the policy effective date will besubject to a 30-day waiting period.The policy does not cover losses caused by or resulting from: receiving dental care or treatment; intentionally selfinflicting bodily injury or attempting suicide; participatingin any illegal activity that is classified as a felony (the termfelony is as defined by the law of the jurisdiction in which theactivity takes place); being exposed to war or any act of war,declared or undeclared, or serving in the armed forces; havingtreatment for a mental or nervous disorder withoutdemonstrable organic disease, including depression;alcoholism or drug dependency; sustaining or contracting anyloss because of a covered person’s being intoxicated or underthe influence of alcohol, drugs, or any narcotic unlessadministered on the advice of a physician and taken accordingto the physician’s instructions (the term intoxicated refers tothat condition as defined by the law of the jurisdiction inwhich the injury or cause of the loss occurred); havingcosmetic surgery or elective surgery that is not due tosickness; obtaining routine nursing or routine well-baby carefor a newborn child (other than provided by the PhysicianVisits Benefit); donating an organ within the first 12 monthsof the effective date of the policy.Hospital does not include any institution, or part thereof, used asan ambulatory surgical center; a hospice unit (including any beddesignated as a hospice bed or a swing bed); a convalescenthome; a rest or nursing facility; a psychiatric unit; an extendedcare facility; a skilled nursing facility; or a facility primarilyaffording custodial care, educational care, or care or treatmentfor persons suffering from mental disease or disorders, or carefor the aged, drug addicts, or alcoholics.A physician does not include a member of your immediate family.An ambulatory surgical center does not include a doctor’s ordentist’s office, clinic, or other such location.*Complications of pregnancy do not include false labor,occasional spotting, physician-prescribed rest duringpregnancy, morning sickness, and similar conditions associatedwith the management of a difficult pregnancy not constitutinga classifiably distinct complication of pregnancy. Cesareandeliveries are not considered complications of pregnancy.Refer to the policy, rider, and outline of coverage for complete details, limitations, and exclusions.This brochure is for illustration purposes only.
Aflac is . A Fortune 500 company with nearly 60 billion in assets,insuring more than 40 million people worldwide. Rated AA in insurer financial strength by Standard & Poor’s(June 2006), Aa2 (Excellent) in insurer financial strength byMoody’s Investors Service (January 2006), A (Superior) byA.M. Best (June 2006), and AA in insurer financial strengthby Fitch, Inc. (June 2006).* Named by Fortune magazine to its list of America’s MostAdmired Companies for the seventh consecutive year inMarch 2007. A premier provider of insurance policies with premiums payrolldeducted for more than 370,000 payroll accounts nationally. Outstanding in claims service, with most claims processedwithin four days. Included by Forbes magazine in its annual list of America’s400 Best Big Companies for the seventh year in January 2007. Named by Fortune magazine to its list of the 100 BestCompanies to Work For in America for the ninth consecutiveyear in January 2007.*Ratings refer only to the overall financial status of Aflac and are notrecommendations of specific policy provisions, rates, or practices.1.800.99.AFLAC (1.800.992.3522)En español:1.800.SI.AFLAC (1.800.742.3522)Visit our Web site at aflac.com.Your local Aflac insurance agent/producerAmerican Family Life Assurance Company of Columbus (Aflac) · Worldwide Headquarters · 1932 Wynnton Road · Columbus, Georgia 31999 · aflac.com
Optional Additional Initial Hospitalization Benefit Rider Summary PageRider A-45050Riders become part of the policy and are subject to all policyprovisions unless otherwise stated. 250Effective DateThe effective date of the rider is the effective date of thepolicy or the effective date of the rider as stated in the PolicySchedule, if later. 500 750Aflac will pay the Additional Initial Hospitalization Benefitselected above when a covered person is confined to ahospital for at least 24 hours for a covered sickness. We willpay this benefit only once for each covered person percalendar year. We will pay this benefit in conjunction with theInitial Hospitalization Benefit in the policy.TerminationThe rider will terminate if the policy to which it is attachedterminates or if the premiums for the rider are not paid.Refer to the policy, rider, and outline of coverage for complete details, limitations, and exclusions.American Family Life Assurance Company of Columbus (Aflac)Worldwide Headquarters · 1932 Wynnton Road · Columbus, Georgia 31999 · aflac.comForm A45076BTXRC(2/08)
HOSPITAL PROTECTIONHOSPITAL CONFINEMENT INDEMNITY INSURANCEThis insert page is to be used with Policy Series A46000, Plans 2 and 3 only. This page must accompanythe Hospital Confinement Indemnity brochures, Plans 2 and 3 only.Surgical BenefitAflac will pay you according to the benefits in the Schedule of Operations when a surgicaloperation is performed on a covered person for a covered sickness or injury in a hospital or anambulatory surgical center. Surgical Be
AFLAC will pay benefits according to the Schedule of Operations when a covered person has a surgical operation performed for a covered sickness in a hospital or ambulatory surgical center. Only one benefit is payable per 24-hour period for surgery even though more than one surgical procedure may be performed. We will pay the highest eligible .
Home Confinement and Electronic Monitoring Home Confinement. Home confinement or house arrest—with and without electronic monitoring (or EM)—is an intermediate community corrections program designed to restrict the activities of juvenile offenders in the community. Home confinement res
ILWU-PMA COASTWISE INDEMNITY PLAN 34607_Coastwise 2/12/04 9:46 AM Page 1. Coastwise Indemnity Plan Hospital-Medical-Surgical Benefits This is a description of benefits provided under the ILWU-PMA Welfare Plan Self Funded Programs Coastwise Indemnity Plan. TheFile Size: 452KB
C Mohit Educomp Pvt. Ltd. Corporate & Other Law 55 Unit - 1 : CONTRACT OF INDEMNITY & GUARANTEE Section 124 Contract of Indemnity Section 125 Rights of Indemnity Section 126 Contract of guarantee, surety, principal debtor and creditor Section 127 Consideration for guarantee Section 128 Nature of surety’s liability Section 129 Co
under the double indemnity provision.'0 Jurisdictions Denying Recovery Under the Double Indemnity Provision In Runge v. Metropolitan Life Insurance Co. "1, Sandra Runge, a widow, sued Metropolitan Life to recover under the double indemnity provision of two life policies insuring her deceased husband's life. Her husband had died while
solitary confinement and asserts that these symptoms form amajor, clinically distinguishable psychiatric syndrome. (AmJPsychiatry 140:1450-1454, 1983) T here have been several legal challenges totheuse ofsolitary confinement intheUnited States penal system based onallegations that such confinement
insurance plan from Continental Life Insurance Company of Brentwood, Tennessee, an Aetna Company. This insurance can help pay for out-of-pocket costs associated with your current medical coverage Protect your savings Indemnity means "protection or security against damage or loss." Hospital Indemnity Flex insurance
offered (e.g. only Hospital plan offered) Aetna Hospital Indemnity Plan How it Works The Aetna Hospital Indemnity Plan helps to cover out-of-pocket costs associated with a hospital admission -whether it's planned or unplanned. Members receive cash benefits for hospital admission, plus daily benefits.
Bio-Zoology Practical - General Instruction In order to get maximum benefit and good training it is necessary for the students to follow the following instructions. 1. The students must attend all practical classes. Each experiment in practicals has got important relevance to theory subjects. 2. Bring this practical manual to your practicals class. 3. Bring the following objects to the .
