When Your Coverage Ends. Coverage under this plan is guaranteed renewable. It can only be canceled by us for the following reasons: • if you leave your place of employment; • if you decide to discontinue coverage. Inform your employer prior to the requested date of cancellation and your employer will notify us. If we do not receive your notice prior to the requested date of cancellation, you or your employer may be responsible for paying another month’s premium; • if the required premium is not paid within one month of the due date. We will mail you a notice of discontinuance along with information about enrolling in an individual healthcare plan; • if you or a covered dependent no longer qualifies as an eligible person; • if we no longer offer this type of coverage; • if your employer contracts with another insurer or entity to provide or administer benefits for the covered healthcare services provided by this agreement; • if fraud is determined by us. See Rescission of Coverage section below for additional details; If your healthcare coverage is terminated for one of the reasons listed above, we will send you a termination notice thirty (30) days before the termination date. The notice will indicate the reason why your healthcare coverage has ended. When your coverage ends, you may apply for individual healthcare coverage directly from BCBSRI or through HSRI. You must meet the eligibility requirements and we must receive required enrollment information within sixty (60) days from the date your group coverage ended along with required premium. If you do not reside in Rhode Island, you are not eligible to enroll in an individual plan from BCBSRI or HSRI. You may be able to obtain coverage through an insurance company in the state in which you reside. Rescission of Coverage Rescission is a cancellation or discontinuance of coverage that has a retroactive effect. A cancellation is not a rescission if it: • only has a prospective effect (as described above); or • is due to non-payment of premiums, which can have a retroactive cancellation effect. We may rescind your coverage if you or your dependents commit fraud. Fraud includes, but is not limited to, intentional misuse of your identification card (ID card) or intentional misrepresentation of a material fact. Any benefit paid in the past will be voided. You will be responsible to reimburse us for all costs and claims paid by us. We must provide you a written notice of a rescission at least thirty (30) days in advance. Except for non...
When Your Coverage Ends. When This Agreement Ends Coverage under this agreement is guaranteed renewable. It will automatically renew on the plan renewal date of January 1. It can only be canceled by us for one of the following reasons: • if the premium is not paid; • if you or your covered dependent no longer qualifies as an eligible person; • if you are no longer a Rhode Island resident; • if fraud is determined by us. See Rescission of Coverage section below for additional details. • if you purchased coverage from HSRI and they have terminated or decertified the qualified health plan. If we no longer offer this type of coverage, your coverage will end per the rights and limitations of R.I. General Law §27-18.5-4. Rescission of Coverage Rescission is a cancellation or discontinuance of coverage that has a retroactive effect. A cancellation is not a rescission if it: • only has a prospective effect; or • is due to non-payment of premiums, which can have a retroactive cancellation effect. We may rescind your coverage if you or your dependents commit fraud. Fraud includes, but is not limited to, intentional misuse of your identification card (ID card) or intentional misrepresentation of material fact. Any benefit paid in the past will be voided. You will be responsible to reimburse us for all costs and claims paid by us. We must provide you a written notice of a rescission at least thirty (30) days in advance. Except for non-payment, we will not contest this policy after it has been in force for a period of two (2) years from the later of the effective date of this agreement or the latest reinstatement date.
When Your Coverage Ends. 1. All coverage will stop at the end of the period for which premiums have been paid. You will not receive Benefits for services that You receive after Your Plan ends.
When Your Coverage Ends. During your trip, coverage ends on the later of: • When travelling in a common carrier to return home immediately upon the arrival of your return flight as indicated on your airline booking confirmation. • When disembarking from your return flight as indicated on your airline booking confirmation sent to us. There is no coverage if: • The Group Policy is cancelled by us or Manulife Bank or is amended to no longer provide Travel Accident Insurance; • You are no longer eligible for coverage; • The account is not in good standing. WHAT DOES TRAVEL ACCIDENT INSURANCE COVER? We will cover the following benefits:
When Your Coverage Ends.
1. All coverage will stop at the end of the period for which premiums have been paid. You will not receive Benefits for Admissions after Your Plan ends.
2. You have an obligation to notify Us, within 15 days, when Dependents die or need to be taken off this Contract for any reason. We will re-calculate premiums, so You pay the proper amount. No refunds will be made to You if You fail to give timely notice when a Dependent ceases to be eligible to keep coverage or when a Dependent’s coverage should have been terminated.
3. For Admissions that begin before the Plan ends, as defined under Article 1, the Variable Income Plan will stop when the Admission ends or when the lifetime maximum of 365 Days has been met, whichever occurs first.
4. When You receive a final decree of divorce or Your marriage ends for another legal reason, coverage for Your spouse stops automatically, without notice, at the end of the period for which premiums have been paid. You have an obligation to notify Us, within 15 days, after a final divorce or other legal termination of marriage is rendered.
5. Coverage for Dependents stops automatically, without notice, at the end of the month during which they are no longer eligible to be Dependents, if premiums are paid through that month.
6. When the Subscriber dies, the Plan automatically ends for all Dependents. This Plan stops without notice at the end of the billing period in which You die, if premiums have been paid through that billing cycle.
7. If Your spouse or other Dependents wish to continue this Plan, they must notify Us within 31 days after this Plan ends that they want to continue it. If We receive their notice within 31 days of the Plan’s end, their coverage will continue, and they will not have to prove that they are insurable.
8. We can automatically change the class of coverage to reflect the membership in the Plan.
9. We are licensed to sell insurance only in the state of Louisiana. If You move outside of Louisiana and You intend to relocate or live outside of the state, Your Plan will end.
When Your Coverage Ends. When This Agreement Ends Coverage under this agreement is guaranteed renewable. It will automatically renew on the plan renewal date of January 1. It can only be canceled by us for one of the following reasons: if the premium is not paid; if you or your covered dependent no longer qualifies as an eligible person; if you are no longer a Rhode Island resident; if fraud is determined by us. See Rescission of Coverage section below for additional details. if you purchased coverage from HSRI and they have terminated or decertified the qualified dental plan. Rescission of Coverage Rescission is a cancellation or discontinuance of coverage that has a retroactive effect. A cancellation is not a rescission if it: only has a prospective effect; or is due to non-payment of premiums, which can have a retroactive cancellation effect. We may rescind your coverage if you or your dependents commit fraud. Fraud includes, but is not limited to, intentional misuse of your identification card (ID card) or intentional misrepresentation of material fact. Any benefit paid in the past will be voided. You will be responsible to reimburse us for all costs and claims paid by us. We must provide you a written notice of a rescission at least thirty (30) days in advance. Except for non-payment, we will not contest this policy after it has been in force for a period of two (2) years from the later of the effective date of this agreement or the latest reinstatement date.
When Your Coverage Ends. When This Agreement Ends Rescission of Coverage When You End This Agreement
When Your Coverage Ends. Coverage ends on the earliest of: • The date you arrive home; • The date you arrive at the final destination; • When the Group Policy is cancelled by us or Manulife Bank or is amended to no longer provide Flight Delay insurance; • The date you are no longer eligible for coverage; • The date the account is not in good standing. WHAT DOES FLIGHT DELAY INSURANCE COVER? We will cover the following: Reimbursement up to an overall maximum of $500 per any one (1) occurrence, for the reasonable and necessary expenses you incur for commercial lodging, meals and taxi transportation as a result of a Misconnection, Denied Boarding or Delayed Flight Departure when no alternative transportation is made available to you by the air carrier within six (6) hours of your ticketed departure time. If there is more than one (1) covered person making a claim, the maximum payable for all covered persons under this certificate is an aggregate of $500 per any (1) occurrence. WHAT DOES FLIGHT DELAY INSURANCE NOT COVER? We will not cover expenses or benefits relating to:
When Your Coverage Ends. Coverage ends on the earliest of: • The date you return home; • The date the rental agency reassumes control of the rental vehicle or the rental contract ends; • Forty-eight (48) consecutive days after the rental contract started; • When the Group Policy is cancelled by us or Manulife Bank or is amended to no longer provide rental vehicle insurance; • The date you are no longer eligible for coverage; • The date the account is not in good standing. WHAT DOES RENTAL VEHICLE DAMAGE INSURANCE COVER? We will cover the following:
