HOSPITALIZATION PLAN

Coverage is provided by Monumental Life Insurance Company, except in the state of New York.


Product Highlights
  • No Medical Exam or Lengthy Health Questions

  • 30-Day Free Look: If you're not satisfied for any reason, you may return your certificate of insurance within 30 days after receipt. Your premium will be refunded. When so returned, the certificate is void from the beginning.

  • Firm Quotes: Unlike other life insurance quotes you can get online, we won't quote the low, preferred rate and then raise the rates you actually pay based on your answers to health questions on the application. If you're accepted for coverage, you will pay the rate we quote.

  • Guaranteed Acceptance: All GEA members and spouses under age 65 are eligible for coverage.

  • Benefit Level: Members and spouses can elect a $100 or $200 Daily Benefit Amount. (The amount of the Daily Benefit will be reduced by 50% at age 65.)

  • Elimination Period: Benefits are payable after the first 5 days of hospital confinement.
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Benefits Payable

  • You will be paid the Daily Benefit for each day of hospital confinement provided the confinement is a result of an injury or illness.

  • If a hospital confinement occurs before the covered person is age 64, benefits are payable up to age 65. (If confinement begins on or after age 64, benefits are payable for a maximum of 365 days.)

  • If confined to an Intensive Care or Cardiac Care Unit or as a result of Cancer, the Daily Benefit is doubled. (Double benefits cease at age 65.)

  • You will collect benefits over and above any other insurance you may own. All benefits are paid directly to you or to the health care provider if you prefer. It’s your decision.
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Effective Date of Coverage
Coverage will be effective on the date shown on the certificate schedule issued to you upon approval of your application, provided the initial premium is paid when due and is received during your lifetime.
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Exclusions and Limitations
Benefits will not be paid under this Policy for Hospital Confinements caused by, resulting from or contributed to by: routine physical exams or Hospital Confinement for other than Injury or Sickness, or which is not Medically Necessary; intentionally self-inflicted injury, while sane or insane (Missouri, while sane); treatment of a nervous or mental condition, alcoholism (in SC the covered person's) or drug addiction (excluding Michigan residents); injuries resulting from active military service; dental care, except as a result of injury to sound natural teeth (Maryland, natural teeth); well-baby care of a newborn dependent child; treatment or service rendered in any Hospital or Convalescent Facility owned or operated by the Federal Government where, in the absence of insurance, there is no legal obligation to pay (excludes Minnesota and South Carolina residents); declared or undeclared war or any act of war; pregnancy (except Complications of Pregnancy, as defined in this policy); expenses incurred or care received outside of the United States; participating in a riot; or committing an assault or felony.
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About the Insurance Company
Coverage is provided by Monumental Life Insurance Company except in the state of New York. Coverage is not available in all states. Monumental Life Insurance Company is rated A+ (Superior) for financial condition by A.M. Best Company and is rated AA+ (Very Strong) for claims paying ability by Standard and Poors, independent analysts of the insurance industry.
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Coverage is not available in all states.