Columbia University Health Services

Benefits are payable under the Policy only for those Covered Medical Expenses incurred while the Policy is in effect for the Covered Person. No benefits are payable for any expenses incurred after the date the insurance terminates for the Covered Person, except as may be provided under the extension of benefits or for a pregnancy which commenced during the term insured. For information about dates of termination of insurance, please go to Period of Coverage.

Extension of Benefits After Termination
If a Covered Person is confined to a hospital on the date his or her insurance terminates, expenses incurred after the termination date and during the continuance of that hospital confinement shall be payable in accordance with the Policy, but only while they are incurred during the 90-day period following such termination of insurance.

Benefits will continue to be available for a Covered Person who incurs medical expenses directly relating to a pregnancy that began before coverage under the Policy ceased. This benefit will be covered only for the period of the pregnancy.