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What Is Not Covered (Travel Safe Classic Policy Exclusions)

COVERAGE LIMITATIONS AND EXCLUSIONS FROM COVERAGE The California Life and Health Insurance Guarantee Association may not provide coverage for this policy. Coverage by the Association generally requires residency in California. You should not rely on coverage by the Association in selecting an insurance company or in selecting an insurance policy. The following policies and persons are among those that are excluded from Association coverage:

1. A policy or contract issued by an insurer that was not authorized to do business in California when it issued the policy or contract;

2. A policy issued by a health care service plan (HMO), a hospital or medical service organization, a charitable organization, a fraternal benefit society, a mandatory state pooling plan, a mutual assessment company, an insurance exchange, or a grants and annuities society;

3. If the person is provided coverage by the guaranty association of another state;

4. Unallocated annuity contracts; that is, contracts which are not issued to and owned by an individual and which do not guaranty annuity benefits to an individual;

5. Employer and association plans, to the extent they are self-funded or uninsured;

6. A policy or contract providing any health care benefits under Medicare Part C or Part D;

7. An annuity issued by an organization that is only licensed to issue charitable gift annuities;

8. Any policy or portion of a policy which is not guaranteed by the insurer or for which the individual has assumed the risk, such as certain investment elements of a variable life insurance policy or a variable annuity contract;

9. Any policy of reinsurance unless an assumption certificate was issued;

10. Interest rate yields (including implied yields) that exceed limits that are specified in Insurance Code Section 1607.02(b) (C)


Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.