Plan Detail

Plan Administrator: Independence Holding Company IHC | AM Best Rating: A-"Excellent" | Underwriter: Madison National Life Insurance Company

Pre-existing Coverage

Benefits for inpatient hospital confinement and Critical Illness coverage are subject to the pre-existing condition limitation. A pre-existing condition is a disease, accidental bodily injury, illness or physical condition for which a covered person had treatment, incurred a charge, took medication or received a diagnosis or advice from a doctor during the 12-month period immediately preceding the covered person’s coverage effective date. Benefits are payable for a pre-existing condition after the person has been covered under the policy for 12 consecutive months. For the hospital confinement benefit, this does not apply to a newborn or newly adopted child placed for adoption under age 18 if such child is enrolled for coverage within 31 days from the date of birth or date of adoption or placement for adoption.