Questions & answers · Travel insurance
How does Generali US Branch's travel insurance policy handle other insurance covering the same loss?
AI-drafted from filed documents · reviewed: pendingother insurance / coordination of benefitsGenerali US Branch
Under Generali US Branch’s filed form for Alaska (AK), if a covered individual has health care coverage under more than one policy, the Coordination of Benefits (COB) provision applies [1]. The order of benefit determination rules determines whether benefits from This Policy are paid before or after another policy [1]. If This Policy determines benefits first, its benefits will not be reduced [1]. However, if another policy determines benefits first, the benefits from This Policy may be reduced [1]. This does not appear in these excerpts — check the full policy.
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 (1)
[1] Generali US Branch · AK · SERFF GEUS-127311390 · form T001BR07.01AK (05/11) · p. 1
1. Applicability a. This Coordination of Benefits (“COB”) provision applies to This Policy when you or your covered dependent has health care coverage under more than one Policy. “Policy” and “This Policy” are defined below. b. If this COB provision applies, the order of benefit determination rules should be looked at first. Those rules determine whether the benefits of This Policy are determined before or after those of another policy. The benefits of This Policy: i. Will not be reduced when, under the order of benefit determination rules, This Policy determines its benefits before another Policy; but ii. May be reduced when, under the order of benefits determination rules, another policy determines its benefits first.
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 Q9dd30f38. Spotted an error? Tell us.