Section 89.78. Multiple benefits

(a) Policies which contain multiple benefits should not limit the payment of a specific benefit based on the fact that another benefit is paid under the same policy.

(b) Examples of the policies that the Department considers unacceptable are policies containing both disability income benefits and hospital or other medical care benefits in which payment of hospital or medical care benefits is excluded if disability income is payable, policies which contain accidental death benefits and medical care or disability benefits which limit the benefit payable to one of the two benefits, policies which contain lump sum dismemberment benefits which are paid in lieu of disability income or medical expenses benefits.