5) Under Administrative Provision section, the following changes have been made:
a) Add the following Refund of Unearned Premium provision:
Refund of Unearned Premium If the Subscribercancels this Policy for any reason, We shall refund the pro rata portion of the Unused Collected Premium to the beginning of the next monthly billing cycle. “Unused Collected Premium” as used herein means that portion of any premium collected which is not used, on a pro rata basis to the beginning of the next monthly billing cycle at the time of cancellation, by Us to insure against loss as there is no risk of loss from Covered Persons, or that portion of any collected premium which would have not been collected had the premium been paid monthly.
6) The following Rider form(s) is/are not available: ACCIDENTAL DEATH AND DISMEMBERMENT RIDER CRITICAL ILLNESS INSURANCEA RIDER DISABILITY INCOME RIDER TERM LIFE INSURANCE RIDER WELLNESS TREATMENT, HEALTH SCREENING AND PREVENTIVE CARE BENEFIT RIDER
Indiana residents:
1) Under the Claim Provisions section, the following changes are made:
a) The Notice of Claim must be received within 90 days after a Covered Loss occurs or begins.
b) The following language added to the Payment of Claims Provision:
Indemnities payable under this Policy for any loss other than loss for which this policy provides any periodic payment will be paid immediately upon receipt of due written proof of such loss. If We are unable to immediately pay due to deficiencies in Your claim, We will notify You within 30 days if Your claim was filed electronically or within 45 days if Your claim was filed on paper of those deficiencies and how they can be remedied. Our failure to notify You of any deficiencies within the stated time frames will establish the submitted claim as a clean claim. We will pay or deny a clean claim: 1. If filed electronically, within 30 days after the date We receive the claim; 2. If the claim is filed on paper, within 45 days after the date We receive the claim.
Louisiana residents:
1) All references to “mental or physical handicap” have been revised to “intellectual or physical disability”.
2) Under the Hospital Observation Stay Benefit section, cannot require a charge be incurred for benefits to be payable.
3) Under the Description of Benefits section, the following benefit condition does not apply to the Substance Abuse Facility Care Benefit:
• The facility charges room and board for treatment services; and
4) Under the General Definitions section, the following changes are made:
a) The definition of Age does not include the following:
For the purposes of Portability, except as to premium calculations, Extension of Benefits, Waiver of Premium, or Continuation due to Disability, a Covered Person’s Age is His Age as of His last birthday.
b) The Dependent Child definition is replaced by the following:
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