F'ing insurance industry

"Snowbird" wrote in message

Ironically, medical. There is no exclusion on the life insurance policy
I
purchased through the same company. So I guess if I'm gonna auger, I
better auger hard!

Gadzooks, that's bizarre! I've never heard of such exclusions on a
medical policy, especially where there's no similar exclusion on the
life insurance policy.

I had the same thought when I read it.

I wonder if it's a reaction to a specific circumstance that company
encountered. Do they exclude smoking/driving while drinking/etc?

They don't exclude smoking, but there's a big list of exclusions that you
have to go to some website to dig up. The only four that are mentioned in
the documentation, and which apply only to medical, are coverage while
committing suicide ("sane or insane"), a felony, while flying small planes
("operating, riding or descending in an airplane except as a fare-paying
passenger on a commercial carrier...") and acts of war.

The latter bugs me too even though it doesn't apply to me. If you're called
to duty and then killed protecting their corporate asses, you're not
covered.

If there are similar exclusions in the life insurance policy, they're not
explicitly stated in the literature and you'd have to look them up to find
out.
-c

"gatt" wrote in message
...
there's a big list of exclusions
snipped lots
and acts of war.

The latter bugs me too even though it doesn't apply to me. If you're
called
to duty and then killed protecting their corporate asses, you're not
covered.

Well, in that case I guess they medical insurance wouldn't matter
much...the life insurance would surely kick in at this point!

But if you were injured, it would be another matter. And would
"acts of war" include a terrorist attack?

Paul

Hey .. if they actually sold insurance that covered anything we wouldn't
be able to afford it.

- Your operating, riding in, or descending from any ay aircraft other than
while a fare-paying passenger on a licensed, commercial, non-military
aircraft..."


I came across this phrase in my group policy from BCBS. I couldn't
wait for my company's next open enrollment so I could switch to our
other choice for health insurance. BCBS told me those exclusions were
chosen by my employer. The strange thing was when I called the other
insurance company to get a copy of the policy I would be signing up
for, they had no idea what to do. It took a week for someone to find
the wording in the policy and read it to me over the phone. They
wouldn't give me a copy of the policy until after I enrolled.

One other note. I contacted AOPA and asked if they were aware of
health insurance agencies excluding payments for injuries while flying
GA. They never heard of it, were appalled any company would do that,
and suggested I send a copy of my policy. I sent AOPA the copy, and a
request to look into it, but never heard back from them.