What is Co-ordination of Benefits (COB)?
When an individual is covered under more than one health plan and is able to claim for the expenses incurred from both plans, the benefits under this policy will be reduced to an amount which when added to the benefit of the other plan will equal 100% of medical expenses incurred.
The following will determine which plan will pay first:
• The plan covering the insured as an employee;
• The plan covering the insured as a Dependent of a Male employee; and
• If the above do not establish an order of priority, the plan which has covered the insured for the longer period of time pays the benefits first.