Spell of illness provision
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UPDATED: Aug 14, 2020
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spell of illness usually refers to a period of time during which a patient is being treated for a particular incidence of an illness. Some companies use the terminology “per cause” rather than “spell of illness.” The exact definition can also vary from plan to plan. Here is one example of how it might work: If a patient is confined in a hospital for 5 days for a specific condition, the spell of illness is 5 days. If the confinement continues for an additional 7 days because of another non-related condition, that might be considered to be another 7 day spell of illness. On the other hand, if the total confinement of 12 days (5 days plus 7 days) results from the initial condition or a related condition — hospital plans usually have lists of conditions that are considered closely related and so constitute a single spell of illness — the entire confinement might be considered to be one spell of illness lasting 12 days.