Questions & answers · Vision insurance
What does Aria Care Insurance, Inc.'s vision insurance policy say about cancelling and getting a refund?
AI-drafted from filed documents · reviewed: pendingcancellation and refundsAria Care Insurance, Inc.
Under Aria Care Insurance, Inc.'s filed form for Kansas (KS), the insured may cancel the policy at any time by written notice delivered or mailed to the Company, effective upon receipt of such notice or on a later date specified in the notice [1]. Upon cancellation, the Company will promptly return the unearned portion of any premium paid beyond the month in which the cancellation is effective, with earned premium computed by the pro-rata method [1]. Cancellation does not affect any claim originating prior to the effective date of cancellation [1]. The policy will end on the earliest of the following dates: the date the Insured ceases to be a resident of a Living Facility; the last day for which the required premium is not paid, subject to the Grace Period provision; the date the Company gives the Insured written notice of intent to non-renew, provided at least 31 days’ notice is given; the date the Company receives notice of cancellation from the Insured or such later date as may be specified in such notice; or the date the Living Facility no longer permits access to the facility [1]. Vision Services started but not completed prior to termination will be payable under the policy [1].
Under the Oklahoma (OK) form, the Company will refund any unearned premium upon the insured’s death or cancellation [2]. 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 (2)
[1] Aria Care Insurance, Inc. · KS · SERFF ACCR-134366775 · form AG V 01 24 KS · p. 2 · 21.10 · Polycarbonate Lens Addition
6. CANCELLATION BY INSURED. The insured may cancel this policy at any time by written notice delivered or mailed to the Company, effective upon receipt of such notice or on such later date as may be specified in such notice. Upon cancellation of the Policy, we will promptly return to you the unearned portion of any premium paid beyond the month in which the cancellation is effective. The earned premium shall be computed by the use of the pro-rata method. Cancellation shall be without prejudice to any claim originating prior to the effective date of cancellation. 7. TERMINATION OF INSURANCE. The Policy will end on the earliest of the following dates: 1. the date the Insured ceases to be a resident of a Living Facility; 2. the last day for which the required premium is not paid, subject to the Grace Period provision; 3. the date the Company gives the Insured written notice of the Company’s intent to non-renew, provided the Company has given the Insured at least a 31-day written notice of the Company's intent to non-renew; 4. the date the Company receives notice of cancellation from the Insured or such later date as may be specified in such notice; or 5. the date the Living Facility no longer permits access to the facility. Vision Services started but not completed prior to the termination of this Policy will be payable under this Policy. … (excerpt — the filed text continues)
[2] Aria Care Insurance, Inc. · OK · SERFF ACCR-134502897 · form V 01 24 OK · p. 7 · 34 · Payment of Claims
Benefits payable under this Policy will be paid to the insured, unless assigned. Any benefits payable under this Policy on or after the insured’s death will be paid to the insured’s estate. The Company will refund any unearned premium upon the insured’s death or cancellation. Errors Related to Your Coverage. The Company has the right to correct benefit payments that are made in error. Providers and the insured have the responsibility to return any overpayments to the Company. All corrections must be made within twelve (12) months when requesting a refund from a claimant, and eighteen months (18) when requesting a refund from a health care provider of when the payment was made. The only exceptions to this limitation are when the payment has been made because of fraud committed by the claimant or provider or if the claimant or provider has otherwise agreed to make a refund to the insurer for overpayment of a claim. The Company has the responsibility to make additional payments if any underpayments have been made. Legal Actions. No action at law or in equity shall be brought to recover on this Policy prior to the expiration of sixty (60) days after written proof of loss has been furnished in accordance with the requirements of this Policy. … (excerpt — the filed text continues)
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 Qf7a439ae. Spotted an error? Tell us.