An intensive care or cardiac care unit is not a recovery room. This means that it is not an area used primarily for post-operative or post-anesthesia care.
Stay in an ICU means the period of days that the Covered Person is in an ICU for the same or a related Injury. We will count all days that the Covered Person must spend in an ICU for the same or a related Injury as one Stay. The Covered Person must be admitted to a Hospital for at least 23 hours.
The exclusions that apply to this benefit are in the Common Exclusions Section.
Exclusions
FRACTURES BENEFIT
We will pay the benefit shown in the Schedule of Benefits subject to the following conditions and exclusions, if the Covered Person sustains a Fracture or Chip Fracture due to a Covered Injury resulting directly and independently of all other causes from a Covered Accident.
Benefit Condition Must be diagnosed and treated by a Physician within 90 days of the Covered Accident.
Benefit Limitations If the Covered Person sustains more than one fracture as a result of such Covered Accident, We will pay one benefit which is the greater amount.
For purposes of this benefit:
Definition
Fracture means a bone that is broken as diagnosed by a Physician and corrected by open or closed reduction.
Chip Fracture means a fragment of a bone has been broken off as diagnosed by a Physician.
The exclusions that apply to this benefit are in the Common Exclusions Section.
Exclusions
DISLOCATIONS BENEFIT
We will pay the benefit shown in the Schedule of Benefits subject to the following conditions and exclusions, if the Covered Person sustains a Dislocation or Partial Dislocation due to a Covered Injury resulting directly and independently of all other causes from a Covered Accident.
Benefit Condition Must be diagnosed and treated by a Physician within 90 days of the Covered Accident.
Benefit Limitations If the Covered Person sustains more than one Dislocation as a result of such Covered Accident, We will pay one benefit which is the greater amount.
For purposes of this benefit:
Definition
Dislocation means a completely separated joint as diagnosed by a Physician that can be corrected by open or closed reduction. A Partial Dislocation is an incomplete separated joint as diagnosed by a Physician.
The exclusions that apply to this benefit are in the Common Exclusions Section.
Exclusions
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