Page 18 - Customer-Booklet_Texas
P. 18
EXCLUSIONS AND LIMITATIONS
The Rider is subject to the following Exclusions and Limitations, in addition to those outlined in
the policy.

In addition to any benefit-specific conditions, limitations, or exclusions, no benefits will be payable
under the Rider for:
a. any disease, Sickness, or incapacity other than Cancer as defined; this is so even though such

disease, Sickness, or incapacity may have been complicated, affected (directly or indirectly), or
caused by Cancer;
b. loss that begins prior to the Rider Effective Date;
c. Diagnosis received outside the United States or its territories, unless otherwise specified in the
Rider; or
d. any illness specifically excluded from the definition of Cancer or Carcinoma in Situ.

PRE-EXISTING CONDITION(S) The benefits of the Rider will not be payable during the first twelve
(12) months that coverage is in force with respect to an Insured Person for any loss caused by Pre-
Existing Condition(s). This twelve (12) month period is measured from the Rider Effective Date for each
Insured Person.

HOSPITAL AND INTENSIVE CARE UNIT INDEMNITY BENEFIT RIDER (LY-HICU-RD-FL)
We will pay the Hospital Indemnity Benefit Amount shown on the Policy Schedule Page for each Day
that an Insured Person is confined to a Hospital as an Inpatient. We will pay two (2) times the Hospital
Indemnity Benefit Amount for each Day an Insured Person is confined to the Intensive Care Unit of a
Hospital as an Inpatient. For benefits to be payable, the Hospital Confinement must:
a. be due to an injury, Sickness, or Complication of Pregnancy;
b. begin while the Rider is in force for an Insured Person;
c. be for at least twenty-four (24) hours; and
d. be at the direction of and under the supervision of a Physician.

Benefits will not be payable beyond a Maximum Benefit Period of thirty (30) Days, as shown on the
Policy Schedule Page, for any one (1) Period of Confinement.

Upon attainment of Age sixty-five (65), coverage for each Insured Person will be reduced by fifty
percent (50%) as shown on the Policy Schedule Page.

EXCLUSIONS AND LIMITATIONS The Rider is subject to the following Exclusions and Limitations in
addition to those outlined in the policy.

In addition to any benefit-specific conditions, limitations, or exclusions, no benefits will be payable
under the Rider for Confinement or loss caused directly or indirectly by:
a. suicide (while sane or insane), attempted suicide, or intentionally self-inflicted injury;
b. war or act of war (whether declared or undeclared, excludes acts of terrorism);
c. commission or attempt to commit an illegal activity or a felony;
d. commission of or active participation in a riot, insurrection, rebellion, or police action;

LY-LSH-OC-B-FL 5 10/13
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