Exclusions:
Benefits will not be paid under this Policy or any attached Rider for any loss caused by, resulting from, or contributed to by: routine physical exams or Hospital Confinement for other than Injury or Sickness, or which is not Medically Necessary; intentionally self-inflicted injury, while sane or insane (Missouri while sane); treatment of a nervous or mental condition; alcoholism or drug addiction; injuries resulting from active military service; dental care, except as a result of injury to sound natural teeth; well-baby care of a newborn dependent child; declared or undeclared war or any act of war; pregnancy (except complications or pregnancy; as defined in the policy); expenses incurred for care received outside of the United States; participating in a riot; or committing an assault or felony. Benefits will be limited for hospitals owned or operated by the national government, up to 30 days per period of confinement.

*PRE-EXISTING CONDITIONS: HospitalHELP does not cover confinement for pre-existing conditions (injury sustained or sickness for which medical advice, care, diagnostic measures, or treatment was recommended by or received from a Physician for that same or related injury or sickness during the 12 month period (6 month in ID, NV, SD) immediately prior to the insured’s effective date) until the date the insured person has been insured under HospitalHELP for 12 consecutive months. The definition of pre-existing condition may vary by state.

This is a supplemental health insurance plan that requires you to have major medical coverage, Medicare or other health coverage that meets “minimum essential coverage” as defined by the Affordable Care Act.