Limited medical health insurance pays benefits similar to a major medical insurance plan, but for a predetermined length of time. Members can select from a wide range of deductible and coinsurance options to tailor a plan to fit their lifestyle needs and budget.NationsHealthInsurance.com offers Cardinal-Choice Limited Health insurance as an affordable alternative to the more expensive Marketplace limited medical health plans.
This policy provides limited benefits on a fixed indemnity basis. It does not constitute comprehensive health insurance coverage (often referred to as “major medical coverage”) and does not satisfy a person’s individual obligation to secure the requirement of minimum essential coverage under the Affordable Care Act (ACA). For more information about the ACA, please refer to http://www.HealthCare.gov.
Pays a daily In-Hospital Benefit Amount for each day a Covered Person is In-Hospital due to a Sickness or Accident. The first day of a Hospital stay must occur within 30 days of the Accident, causing the Injury. The In-Hospital Benefit Amount will be paid until the earliest of the date the:
Pays a daily Intensive Care Unit Benefit Amount for each day of Confinement if an Accident or Sickness causes a Covered Person to be Confined in an Intensive Care Unit. This benefit is paid in addition to the In-Hospital Benefit Amount. The first day of Confinement in the Intensive Care Unit must occur within 30 days of the Accident. The Intensive Care Unit Benefit Amount will be paid until the earliest of the date:
Pays a Physician Office Visit Indemnity Benefit Amount for a Physician office visit resulting from an Accident or Sickness. The visit must be made to the Physician’s office or clinic. The visit to a Physician’s office must occur within 30 days of the Accident, causing an Injury.
When up to 3 months of coverage is selected and members opt to apply for a second policy at the time of enrollment, they will be issued 2 separate policies. Once the first policy expires, they will receive:
Pays a Diagnostic X-Ray and Laboratory Indemnity Benefit when a Covered Person has diagnostic x-ray and laboratory tests performed. Such tests and diagnostic x-rays must be ordered by a Physician and be related to an Accident or Sickness. This insurance does not pay for x-rays or laboratory tests performed while Confined in a Hospital. In addition, if a test is payable under the Advanced Diagnostic Test Indemnity Benefit, it will be paid under that Benefit and not this Benefit
Pays the Emergency Room Benefit Amount if an Accident or Sickness causes the Covered Person to require and receive Emergency Medical Care in an emergency room of a Hospital. Treatment must be received within 24 hours of the Accident
*Cardinal Choice Accident and Sickness Hospital Indemnity plan is Underwritten by FEDERAL INSURANCE COMPANY, a Chubb company.This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance benefits are underwritten by Federal Insurance Company. Coverage may not be available in all states or certain terms may be different where required by state law. Chubb NA is the U.S.-based operating division of the Chubb Group of Companies, headed by Chubb Ltd. (NYSE:CB) Insurance products and services are provided by Chubb insurance underwriting companies and not by the parent company itself.