Questions & answers · Travel insurance
What events does National Union Fire Insurance Company of Pittsburgh, Pa's filed travel insurance policy say it pays for?
AI-drafted from filed documents · reviewed: pendingwhether a specific event is coveredNational Union Fire Insurance Company of Pittsburgh, Pa
National Union Fire Insurance Company of Pittsburgh, Pa’s filed travel insurance policy states it pays for expenses due to sickness, disease, or infections (except bacterial infections due to an accidental cut or wound, botulism, or ptomaine poisoning) [1]. It also pays for prescription drugs, dental care, vision care, hearing care, and repatriation of remains, but only to the extent those expenses are covered under the policy [1]. The policy covers the difference between the cost of a private hospital room and a semi-private hospital room if the private room stay is medically necessary according to generally accepted medical practice or as specifically defined in the Plan [1]. Expenses in excess of the usual level of charges for similar care or services in the locality, particularly for hospital room and board, are not allowable unless the higher cost is due to medical necessity [1]. When benefits are provided in the form of services, the reasonable cash value of each service rendered is considered both an allowable expense and a benefit paid [1]. This does not appear in these excerpts — check the full policy for additional covered events.
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] National Union Fire Insurance Company of Pittsburgh, Pa · AL · SERFF CLTR-128572426 · form T30337NUFIC-C11 · p. 44
However, expenses due to or for the following are Allowable Expenses only to the extent that the expenses are Covered Expenses under the Policy: prescription drugs; dental, vision or hearing care; sickness, disease or infections or any kind (except bacterial infections due to an accidental cut or wound, botulism or ptomaine poisoning)[; repatriation of remains]. Any expense in excess of the usual level of charges for similar care[ or services] in the locality where the expense is incurred (for hospital room and board charges, in excess of the most common charge for hospital semi-private room and board in the hospital where the expense is incurred) is not an Allowable Expense. However, the difference between the cost of a private hospital room and a semi-private hospital room is an Allowable Expense if the Insured’s stay in a private hospital room is medically necessary either in terms of generally accepted medical practice or as specifically defined in the Plan. When a Plan provides benefits in the form of services, the reasonable cash value of each service rendered is both an Allowable Expense and a benefit paid. E. “Claim Determination Period” means[ “a calendar year” or at least another 12 consecutive month period]. … (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 Q9f3566a0. Spotted an error? Tell us.