Cigna Health and Life Insurance Company 900 Cottage Grove Road Bloomfield, Connecticut 06002
ENHANCED BENEFITS RIDER
This Rider is attached to and made a part of your group insurance Policy. It is subject to the terms, conditions, limitations and exclusions contained in the policy as well as those set forth in this Rider.
Rider Effective Date: January 01, 2024
BENEFITS
This Rider provides limited Enhanced Accident Benefits. We will pay the benefit shown in the Schedule of Benefits, if any Covered Person incurs a covered loss for which a benefit is payable under this Rider.
Non-Duplication of Benefits If the Benefits under this Rider would duplicate Benefits payable under the Policy as a result of a Covered Accident, then such Benefits will only be payable under the Policy and not under this Rider. Small Burns Covering 20% or Less Benefit We will pay the benefit shown in the Schedule of Benefits, if a Covered Person sustains one or more 2 nd or 3 rd degree burns that covers 20% or less body surface provided the burn is due to a Covered Injury resulting directly and independently of all other causes from a Covered Accident.
Benefit Conditions Treatment must be received for the burns within 90 days of the Covered Accident and provided by a Physician.
Benefit Limitations 1. If We pay a 3 rd degree burn benefit, We will not pay a 2 nd degree burn benefit from the same Covered Accident for the same burned area of the body. 2. This benefit is payable only once per covered person, per accident. 3. This benefit is not payable for burns directly or indirectly caused by or resulting from, sunburn. 4. This benefit will not be payable if a Large Burn Benefit is payable from the same Covered Accident. Large Burns Covering More Than 20% Benefit (3 rd degree pays 10x multiples) We will pay the benefit shown in the Schedule of Benefits if a Covered Person sustains one or more 2 nd or 3 rd degree burns that covers more than 20% of body surface provided the burn is due to a Covered Injury resulting directly and independently of all other causes from a Covered Accident.
Benefit Conditions Treatment must be received for the burns within 90 days of the Covered Accident and provided by a Physician.
Benefit Limitations 1. If We pay a 3 rd degree burn benefit, We will not pay a 2 nd degree burn benefit from the same Covered Accident for the same burned area of the body. 2. This benefit is payable only once per Covered Person, per Covered Accident. 3. This benefit is not payable for burns directly or indirectly caused by or resulting from, sunburn. Skin Graft Benefit We will pay the benefit shown in the Schedule of Benefits, if a Covered Person requires a skin graft as a result of a burn due to a Covered Injury resulting directly and independently of all other causes from a Covered Accident.
Benefit Conditions
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