Questions & answers · Travel insurance
How does Arch Insurance Company's travel insurance policy handle other insurance covering the same loss?
AI-drafted from filed documents · reviewed: pendingother insurance / coordination of benefitsArch Insurance Company
Under Arch Insurance Company's filed form for Alaska (AK), the Coordination of Benefits (COB) provision applies when an insured has health care coverage under more than one Plan [1]. If this COB provision applies, the order of benefit determination rules should be looked at first [1]. Those rules determine whether the benefits of This Plan are determined before or after those of another Plan [1]. The benefits of This Plan will not be reduced when, under the order of benefit determination rules, This Plan determines its benefits before another Plan [1]. The benefits of This Plan may be reduced when, under the order of benefit determination rules, another Plan determines its benefits first [1]. This reduction is described further in the section entitled Effect on the Benefits of This Plan [1]. This does not appear in these excerpts — check the full policy for details on how other insurance covering the same loss affects claims.
Information only — not legal advice. The insurer decides.
These answers quote forms insurers filed with state regulators. Your own policy, its endorsements and your state’s rules control. A filed form may not be the version sold to you.
Where this comes from (2)
[1] Arch Insurance Company · AK · SERFF CLTR-125353677 · form LTP 2007 · p. 33 · SECTION VI.
SECTION VI. COORDINATION OF BENEFITS [COORDINATION OF BENEFITS Applicability The Coordination of Benefits (“COB”) provision applies to This Plan when an Insured has health care coverage under more than one Plan. “Plan” and “This Plan” are defined below. If this COB provision applies, the order of benefit determination rules should be looked at first. Those rules determine whether the benefits of This Plan are determined before or after those of another Plan. The benefits of This Plan: (a) will not be reduced when, under the order of benefit determination rules, This Plan determines its benefits before another Plan; but (b) may be reduced when, under the order of benefit determination rules, another Plan determines its benefits first. This reduction is described further in the section entitled Effect on the Benefits of This Plan.
[2] Arch Insurance Company · AK · SERFF AICO-131834062 · p. 9 · SECTION VII
SECTION VII - COORDINATION OF BENEFITS Applicability The Coordination of Benefits (“COB”) provision applies to This Plan when an Insured has health care coverage under more than one Plan. “Plan” and “This Plan” are defined below. If this COB provision applies, the order of benefit determination rules should be looked at first. Those rules determine whether the benefits of This Plan are determined before or after those of another Plan. The benefits of This Plan: (a) will not be reduced when, under the order of benefit determination rules, This Plan determines its benefits before another Plan; but (b) may be reduced when, under the order of benefit determination rules, another Plan determines its benefits first. This reduction is described further in the section entitled Effect on the Benefits of This Plan.
Drafted by a local AI model from the excerpts above, then checked by rules (citations, no rankings, no “not covered” claims from a partial excerpt). Question id Qe783dfca. Spotted an error? Tell us.