Catastrophe Major Medical Insurance
Benefit Summary
Benefit |
Amount Paid |
||
|
Hospital Room & Board
hospital's average charge for a semi-private room and all reasonable & customary hospital supplies & services, per day |
100%* | ||
|
Intensive Care
hospital's average charge for an IC unit, including room & board, registered nursing care and special equipment & supplies on a standby basis, per day |
100%* | ||
|
Other Expenses anesthetics and their administration, x-ray services, lab tests & services, blood & blood plasma not replaced by donors, oxygen, use of radium & radioactive isotopes, chemotheraphy, preventive mammography & cytologic screening and prescription drugs |
100%* | ||
| Psychiatric, mental, nervous or emotional disorders, alcoholism, or drug addiction while not hospitalized | up to $100 per visit ($5,000 lifetime maximum) | ||
|
Physicians' Fees diagnosis, treatment, surgery |
100%* | ||
|
Pregnancy & Complications Of Pregnancy regular benefits apply |
100%* | ||
| Private Duty Nursing | up to $120 per 8-hour shift, not to exceed $360 per day ($35,000 lifetime maximum) | ||
| Physiotherapy (by a licensed Physiotherapist) | 100%* | ||
| Care in a Convalescent Home due to a non-job related injury or sickness | up to $500 per week ($78,000 lifetime maximum) | ||
| Home Health Care nursing care, occupational, speech & respiratory therapy medical social work, and special meals & nutritional services (must be in lieu of confinement in a hopital or skilled nursing facility and set up and approved by your physician and a home health care agency) |
up to 100 home health care visits per calendar year; 4 hours for each visit will be considered one home health care visit | ||
| Hospice Care | up to 210 consecutive days of confinement per benefit period & 5 visits per benefit period for bereavement counseling to the family | ||
| Dental Care Limitation charges that result from a non-job related injury by an accident to your natural teeth that occurs while the person is insured and such charges are rendered within 12 months of the accident or they are made by a hospital while the person is insured TMJ (temporomandibular joint dysfunction): charges except for crowns or bridgework |
|
||
| Eye Care Limitation charges that result from a non-job related injury by an accident that occurs while the person is insured |
100%* | ||
| Cosmetic Treatment or Surgery Limitation charges that result from a non-job related injury or sickness or a dependent child's congenital disease or anomaly that results in a functional defect |
100%* | ||
| Medical Equipment charges to buy, rent, repair or maintain artificial limbs, crutches, wheel chairs and other medical equipment, appliances & supplies |
100%* |
Other Features & Options:
|
Common Accidents If 2 or more insured members of your family are injured in the same accident the following will apply: The covered charges incurred by each person will be combined. If the total exceeds one deductible amount, no further deductible will be required for each person for any injury caused by the accident or disease. |
|
Medicare Parts A & B Pays as if Medicare is your basic plan. |
|
Conversion of Coverage If your insurance ends for any reason other than failure to pay the premiums, you, your spouse and dependent children may buy an individual policy of medical care insurance from United States Life. Evidence of insurability will not be required. |
|
Continuation of Coverage If you die, your insured dependents may continue their medical care insurance provided the group policy remains in effect; your dependents remain eligible; and they pay their premiums when due. Insurance for a dependent child may be continued past the age limit if he/she cannot support himself/herself because he/she is mentally or physically handicapped. Premium payment will be required. Proof of the handicap must be provided. |
Coverage not available in AZ, KY, MA, NJ, OR, VT, WA, Puerto Rico and the US Virgin Islands.
Underwritten by The United States Life Insurance Company in the City of New York
|
|
|
