Sickness Hospital Confinement Rider
Sickness Hospital Confinement Rider
For participants in the Enhanced Option of NCFlex's Accident Plan.
This rider provides daily benefit payments for each day a covered employee or their covered dependent is confined to a hospital due to a covered sickness for up to 30 days.
| Covered Member | Benefit Amount (Per Day) |
|---|---|
| Employee | $200 |
| Spouse | $200 |
| Child | $150 |
There is a 30-day waiting period from the effective date of coverage for this benefit to be available.
This benefit excludes pre-existing conditions if the hospital stay occurs in the first 12 months from the effective date of coverage. After the first 12 months, pre-existing conditions are covered by this rider.
Note that you should file an accident claim rather than a hospital indemnity claim to receive this benefit.
For a full list of exclusions and limitations, please refer to the Accident Plan certificate that corresponds with the plan option you are enrolled in.