West Virginia Code of State Rules
Agency 114 - Insurance Commission
Title 114 - LEGISLATIVE RULE INSURANCE COMMISSIONER
Series 114-12 - Individual Accident And Sickness Insurance Minimum Standards
Appendix E

[COMPANY NAME]

MAJOR MEDICAL EXPENSE COVERAGE

OUTLINE OF COVERAGE

(1) Read Your Policy Carefully. -- This outline of coverage provides a very brief description of the important features of your policy. This is not the insurance policy, and only the actual policy provisions will control. The policy itself sets forth in detail the rights and obligations of both you and your insurer. It is, therefore, important that you Read Your Policy Carefully!

(2) Major Medical Expense Coverage. -- Policies of this category are designed to provide, to persons insured, coverage for major hospital, medical and surgical expenses incurred as a result of a covered accident or sickness. Coverage is provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital medical services, out-of-hospital care and prosthetic appliances, subject to any limitations, deductibles or copayment requirements set forth in the policy. Basic hospital or basic medical insurance coverage is not provided. [Note: Final sentence may be appropriately modified, if necessary, to reflect coverage provided.]

(3) [A brief specific description of the benefits, including dollar amounts, contained in this policy, in the following order:

(a) Daily hospital room and board;

(b) Miscellaneous hospital services;

(c) Surgical services;

(d) Anesthesia services;

(e) In-hospital medical services;

(f) Out-of-hospital care;

(g) Prosthetic appliances;

(h) Maximum dollar amount for covered charges; and

(i) Other benefits, if any.]

(4) [A description of any policy provisions which exclude, eliminate, restrict, reduce, limit, delay or in any other manner operate to qualify payment of the benefits described in paragraph (3) above.]

(5) [A description of any policy provisions respecting renewability or continuation of coverage, including age restrictions or any reservation of right to change premiums.]

NOTE: In the outline of coverage forms that follow, only the material appearing in brackets is to be composed by the insurer in language appropriate for the coverage provided. All other material shall appear in exactly the form set forth in this rule.