Definitions
Accident means a sudden, unexpected and unforeseen,
identifiable event producing at the time objective symptoms of an Injury. The
Accident must occur while the Insured is covered under the Policy.
Injury means bodily injury caused by an Accident. The
Injury must occur while the Policy is in force and while the Insured is covered
under the Policy. The Injury must be sustained as stated on the face page of the
Policy, except where specifically stated otherwise in the Policy.
Reasonable Expense means the usual, reasonable and
customary fee or charge for the services rendered and the supplies furnished in
the area where and at the time such services are rendered or supplies furnished,
as determined by Us. Such services and supplies must be recommended and approved
by a Physician.
CATASTROPHIC
Injury or Injuries means
bodily Injury which results directly from an accident and which is independent
from disease, sickness or other bodily functions.
Reasonable and Customary means an expense that is determined by Us
not to exceed the amount usually charged by most providers in the same
geographic area for similar treatment, service or purchase, taking into account
the nature and severity of the illness or injury.
The same geographic area means the same city or town in which the
treatment, service or purchase occurs, if the city or town is large enough to
obtain a representative charge. In
large cities, it may be a section or sections of the city.
In smaller urban or rural areas, the geographic area will be expanded as
necessary to obtain a representative charge.
EARLY CHILDHOOD DEVELOPMENT
Injury means bodily injury caused by an Accident. The
Injury must occur while the Policy is in force and while the Insured is covered
under the Policy. The Injury must be sustained as stated on the face page of the
Policy, except where specifically stated otherwise in the Policy.
Reasonable Expenses means the usual, reasonable
and customary fee or charge for the services rendered and the supplies furnished
in the area where and at the time such services are rendered or supplies
furnished, as determined by Us. Such services and supplies must be recommended
and approved by a Physician
VOLUNTEERS
Injury means bodily injury caused by an Accident. The
Injury must occur while the Policy is in force and while the Insured is covered
under the Policy. The Injury must be sustained as stated on the face page of the
Policy, except where specifically stated otherwise in the Policy.
Reasonable Expenses means the usual, reasonable
and customary fee or charge for the services rendered and the supplies furnished
in the area where and at the time such services are rendered or supplies
furnished, as determined by Us. Such services and supplies must be recommended
and approved by a Physician.
