Plain-English meaning
A policy structure that can cover eligible new accidents plus eligible new illnesses, subject to exclusions and waiting periods.
Why the exact wording matters
This is broader than accident-only coverage, but it still does not mean every diagnosis, treatment, exam fee, dental service, or pre-existing condition is eligible.
Where to verify it
- Definitions section
- Coverage or insuring agreement
- Exclusions
- Benefit or limit schedule
- Claims section
- State endorsement when applicable
Write this down when comparing policies
| Field | Policy A | Policy B |
|---|---|---|
| Accident and Illness Plan | ||
| Where defined | ||
| What changes a claim | ||
| Question for the carrier |