My wife had to have emergency surgery, I took out a policy that said accident and sickness in 2012, when I put in a claim for sickness she was denied and was told this was not do from an accident, she had to stay in the hospital for five days, They also denied the hospital stay, And in this policy it states hospital stay. This is a misleading form that says both on the face of the document, I will be informing all my coworkers about this type of practice, saying one thing and doing another, like I said misleading people to believe different. I am at a loss for words about them, I am upset that i got ripped off !!!