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Imma2015 Assignment 1

Satisfactory Essays

Erik, I reviewed the IMMI2015 proposed Certificate and have the following questions? • The 2012 Certificate, Schedule of Benefits wording states for Treatment Outside US and Canada & for Treatment within US and Canada. The proposed wording states Outside US and Inside the US. o Should the proposed wording include the Canada wording as well? • It appears the proposed Certificate contradicts Congenital Disorder coverage. o The Schedule of Benefits state under Newborn’s Care and Congenital Disorders $250,000 Maximum Limit per lifetime for Newborn’s Care and Congenital Disorders during 31 days after birth.  Is this coverage stating the newborn’s care is covered for 31 days (wording states during 31 days after birth) after birth? o Exclusion 4 …show more content…

 Is this exclusion applicable to the child born with congenital disorders after 31 days of birth? • If yes, is it possible to have the wording updated as such • If no, is the congenital disorder covered as long as the child is covered under the Certificate up to the maximum benefit limit of $250,000.00? • The 2012 Certificate Schedule of Benefits, Pre-certification, wording states, Maternity & Newborn Care: 50% Penalty in addition to Deductible and Coinsurance if Pre-certification Newborn Care Requirements are not met within the first ninety (90) days of the Insured Person's Pregnancy. o May we add “are not met within the first ninety (90) days of the Insured Person's Pregnancy.”? This information would let the insured know at a glance that they need to pre-certify their pregnancy right away. Additionally, this could eliminate late pre-certifications of a pregnancy, which in turn, could possibly save the Company dollars if this is a high risk pregnancy. • The 2012 Certificate Schedule of Benefits, Hospital Indemnity, wording states in part, “…This benefit is only available when Hospitalization is NOT in a Hospital located in the US or

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