WERK NOTES

HAP reduced benefit reduce to 50% of the maximum amount at age 65 or older, and by an additional 25% at age 75 or older In hosp $337.50 ICU $675 ER $450

Recup MNL Accident- $150 Sickness- $75

Zurich Recup benefits reduce to 50% of the maximum amount at age 65 or older, and by an additional 25% at age 75 or older $150 accident $75 sickness

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