EXTENSION OF BENEFITS
No benefits are payable for medical treatment benefits after the Covered Person’s insurance terminates. However, if the Covered Person is in a Hospital on the date the insurance terminates, the Insurer will continue to pay the medical treatment benefits until the earlier of the date the Confinement ends or 31 days after the date the insurance terminates.
Except as stated above, coverage is not provided for any expense incurred after the date the Policy terminates. This coverage extension will not apply to termination initiated by any Covered Person, Participating Organization or Institution or the Policyholder.
EXCESS COVERAGE
The Insurer will reduce the amount payable under the Policy to the extent expenses are covered under any Other Plan. The Insurer will determine the amount of benefits provided by Other Plans without reference to any coordination of benefits, non duplication of benefits, or other similar provisions. The amount from Other Plans includes any amount to which the Covered Person is entitled, whether or not a claim is made for the benefits. The Policy is secondary coverage to all other policies.
