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This insurance provides limited benefits. Limited benefit plans are insurance products with lower benefits than comprehensive health coverage and are not intended to be an alternative to major medical or comprehensive health coverage. This insurance is intended to supplement Comprehensive health coverage.
This insurance does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential benefits as set forth under the Patient Protection and Affordable Care Act.
Notwithstanding any other terms under this policy, we shall not provide coverage, nor will we make any payments or provide any service or benefit to any insured, beneficiary, or third party who may have any rights under this policy to the extent that such coverage, payment, service, benefit, or any business or activity of the insured would violate any applicable trade or economic sanctions law or regulation.
Coverage may not be available in all states or certain terms, conditions and exclusions may be different where required by state law. Benefits decrease by 50% at age 65. Coverage terminates at age 75.
Zurich expressly disclaims any and all damages or costs related to your use of or reliance upon the products, services, representations or warranties made by or on behalf of Hooray Health.
The Zurich Individual Accident Insurance and Zurich Individual Sickness Only Hospital Indemnity Insurance benefits described are underwritten by Zurich American Insurance Company (Zurich), 1299 Zurich Way, Schaumburg, Illinois 60196, 1 800 987 3373 (NAIC # 16535). This provides a general description of certain provisions and features of this insurance program for informational purposes only and does not revise or amend the applicable policies. In the event of a discrepancy, the terms of the policy shall apply. All benefits are subject to the terms and conditions of the policy. Please refer to your policy for a detailed description of the insurance coverage, including the exclusions, limitations, reductions and termination.
Hooray Health is not a subsidiary or affiliate of Zurich, and use of Hooray Health's products and services are independent of and not included within the applicable policy.