| http://www.w3.org/ns/prov#value | - It includes the entire contract between the insurer and the insured, including the policy, riders, endorsements, and the application, if attached. (b) Health insurance plan does not include: accident only; blanket accident and sickness; specified disease or hospital indemnity or other fixed indemnity insurance if offered as independent noncoordinated benefits; credit; limited scope dental or vis
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