Page 14 - Customer-Booklet_Texas
P. 14
PO Box 26580, Austin, TX 78755-0580
Toll Free: 866-459-4272
OUTLINE OF COVERAGE FOR
LUMP SUM HEART AND STROKE INSURANCE POLICY
FORM LY-LSH-BA-B-FL
THE POLICY PROVIDES LIMITED BENEFITS.
BENEFITS PROVIDED ARE SUPPLEMENTAL AND ARE
NOT INTENDED TO COVER ALL MEDICAL EXPENSES.
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
If an Insured Person is eligible for Medicare, please review the “Guide to
Health Insurance for People with Medicare” which is available from the Company.
1. READ YOUR POLICY CAREFULLY! This Outline of Coverage provides a very brief description of the
important features of Your policy. This is not the insurance policy and only the actual provisions of the
policy will control the rights and obligations of the parties to it. The policy itself sets forth, in detail, those
rights and obligations applicable to both You and LOYAL AMERICAN LIFE INSURANCE COMPANY. It is very
important, therefore, that You READ YOUR POLICY CAREFULLY.
2. SPECIFIED DISEASE COVERAGE is designed to provide, to persons insured, restricted coverage providing
benefits ONLY when certain losses occur as a result of specified diseases. Coverage is not provided for
basic hospital, basic medical-surgical, or major medical expenses.
3. BENEFITS PROVIDED BY THE POLICY
HEART AND STROKE DIAGNOSIS BENEFIT We will pay the Heart and Stroke Diagnosis Benefit if an
Insured Person receives a Diagnosis of any of the Qualifying Events shown in the chart below and subject
to the definitions, terms, limitations and exclusions set forth in the policy and the following conditions:
a. The Diagnosis must be made within the United States;
b. the Date of Diagnosis is after the Waiting Period has expired;
c. the Date of Diagnosis shall occur while the Insured Person is covered by the policy; and
d. payment shall be precluded by any general or specific exclusion, limitation, or reduction set forth in or
attached to the policy (including, without limitation, the exclusion for any Pre-Existing Condition) or
any failure by the Insured Person to meet any condition precedent.
LY-LSH-OC-B-FL 1 10/13
Toll Free: 866-459-4272
OUTLINE OF COVERAGE FOR
LUMP SUM HEART AND STROKE INSURANCE POLICY
FORM LY-LSH-BA-B-FL
THE POLICY PROVIDES LIMITED BENEFITS.
BENEFITS PROVIDED ARE SUPPLEMENTAL AND ARE
NOT INTENDED TO COVER ALL MEDICAL EXPENSES.
THIS IS NOT MEDICARE SUPPLEMENT INSURANCE
If an Insured Person is eligible for Medicare, please review the “Guide to
Health Insurance for People with Medicare” which is available from the Company.
1. READ YOUR POLICY CAREFULLY! This Outline of Coverage provides a very brief description of the
important features of Your policy. This is not the insurance policy and only the actual provisions of the
policy will control the rights and obligations of the parties to it. The policy itself sets forth, in detail, those
rights and obligations applicable to both You and LOYAL AMERICAN LIFE INSURANCE COMPANY. It is very
important, therefore, that You READ YOUR POLICY CAREFULLY.
2. SPECIFIED DISEASE COVERAGE is designed to provide, to persons insured, restricted coverage providing
benefits ONLY when certain losses occur as a result of specified diseases. Coverage is not provided for
basic hospital, basic medical-surgical, or major medical expenses.
3. BENEFITS PROVIDED BY THE POLICY
HEART AND STROKE DIAGNOSIS BENEFIT We will pay the Heart and Stroke Diagnosis Benefit if an
Insured Person receives a Diagnosis of any of the Qualifying Events shown in the chart below and subject
to the definitions, terms, limitations and exclusions set forth in the policy and the following conditions:
a. The Diagnosis must be made within the United States;
b. the Date of Diagnosis is after the Waiting Period has expired;
c. the Date of Diagnosis shall occur while the Insured Person is covered by the policy; and
d. payment shall be precluded by any general or specific exclusion, limitation, or reduction set forth in or
attached to the policy (including, without limitation, the exclusion for any Pre-Existing Condition) or
any failure by the Insured Person to meet any condition precedent.
LY-LSH-OC-B-FL 1 10/13
