Group Hospital Insurance Certificate

TABLE OF CONTENTS

SECTION

PAGE NUMBER

SCHEDULE OF BENEFITS............................................................................................................................. 1

SCHEDULE OF BENEFITS FOR CLASS 1..................................................................................................... 2

DESCRIPTION OF COVERAGES AND BENEFITS....................................................................................... 4

GENERAL DEFINITIONS............................................................................................................................... 7

ELIGIBILITY ................................................................................................................................................ 12

ENROLLMENT ............................................................................................................................................. 13

EFFECTIVE DATE PROVISIONS ................................................................................................................ 13

DEFERRED EFFECTIVE DATE PROVISIONS ............................................................................................ 14

TAKEOVER PROVISION ............................................................................................................................. 16

TERMINATION OF INSURANCE ................................................................................................................ 16

CONTINUATION OF INSURANCE PROVISIONS ...................................................................................... 17

PORTABILITY PROVISIONS....................................................................................................................... 17

COMMON EXCLUSIONS............................................................................................................................. 19

CLAIM PROVISIONS ................................................................................................................................... 20

ADMINISTRATIVE PROVISIONS ............................................................................................................... 22

GENERAL PROVISIONS.............................................................................................................................. 23

MODIFYING PROVISIONS AMENDMENT ................................................................................................ 25

GHIP1.2-CE1000.WY

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