Summary of Coverage

The following general summary of features on Fortis Health's Short Term Medical plan may vary according to the state in which the insured resides. This summary is not an insurance contract. The policy itself sets forth in detail the rights and obligations of both you and your insurance company. Once you receive your Short Term Medical policy, please read it carefully.

Short Term Medical is designed to provide coverage for major hospital, medical and surgical expenses incurred as a result of medically necessary care for a covered illness or injury. Coverage is provided for daily hospital room and board, miscellaneous hospital services, surgical services, anesthesia services, in-hospital services, and out-of-hospital care, subject to any deductibles or rate of payment provisions or other limitations which may be set forth in the policy.

A covered illness or injury is an expense that is: 1) incurred for services, treatment or supplies prescribed by a physician; 2) incurred by a covered person as the result of sickness or injury; 3) incurred for medically necessary care; and 4) incurred while this policy is in force.

Covered Medical Services

The following general summary of covered medical services may vary according to the state in which the insured resides.

Extension of Benefits: When the benefit period expires, coverage may be extended for a continuous injury sustained or sickness which commenced while the policy was in force and for which a covered person is then being treated. The extension of benefits provision will apply when:

  1. The covered person receiving treatment remains totally disabled beyond the benefit period expiration date and is under the care of a physician for the disability during the benefit period.
  2. The covered person who has met his or her deductible during the benefit period and is being treated for complications of or needs follow-up treatment for an injury sustained or sickness which commenced during the benefit period.

What's Not Covered? (click here for plan exclusions)

Although the above provides a good description of the important features of the Short Term Medical plan, this is not the insurance contract and only the actual contract defines coverage. Benefits may vary by state and by the terms of the insurance contract. The policy itself sets forth in detail the rights and obligations of both you and the insurance company.