Cancer – KBS (Kansas Board Solutions)
SUMMARY OF PLAN LIMITATIONS AND EXCLUSIONS (continued)
• This plan will not pay benefits for (state variations may apply): • Services or treatment not included in the Schedule of Insurance. • Services or treatment provided by a family member. • Services or treatment rendered for hospital confinement outside the United States.
• Any cancer diagnosed solely outside of the United States. • Services or treatment provided primarily for cosmetic purposes. • Services or treatment for premalignant conditions • Services or treatment for conditions with malignant potential. • Services or treatment for non-cancer sicknesses.
• Cancer caused by, contributed to by, or resulting from: participating in a felony, riot or insurrection; intentionally causing a self- inflicted injury; committing or attempting to commit suicide while sane or insane; a covered person’s mental or emotional disorder, alcoholism or drug addiction; engaging in any illegal activity; or serving in the armed forces or any auxiliary unit of the armed forces of any country. • Cancer arising from war or act of war, even if war is not declared. • Conditional Underwriting is one medical question as a part of the enrollment form. Guardian Cancer Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Not all policies are available in all states and the coverage, terms and conditions for any policy may vary from state to state. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Coverage will not be effective until approved by a Guardian underwriter. This proposal is subject to satisfactory financial evaluation. Please refer to certificate of coverage for full plan description. This proposal is not a contract, and merely describes certain features of the products discussed herein. In the event of a conflict between this proposal and any policy or certificate issued by Guardian, those documents and not this proposal control. This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance Generic Policy Form #GP-1-CAN-IC-12, et al; GP-1-LAH-12R. The state approved form is the governing document.
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