Any accidental loss or bodily harm.
Injury
A Covered Person who is confined for at least one full day's Hospital room and board.
Inpatient
A licensed graduate registered Nurse (R.N.), a licensed practical Nurse (L.P.N.), or a licensed vocational Nurse (L.V.N.) who is not: 1. employed or retained by the Subscriber; 2. living in the Covered Person’s household; or 3. a parent, sibling, spouse or child of the Covered Person. A Covered Person who receives medical tests, treatment, or services from a Hospital, Ambulatory Surgical Center, medical clinic, or Physician’s office and is not charged for room and board.
Nurse
Outpatient
The complete and permanent loss of the use of two or more limbs.
Paralysis
A Physician who is licensed to practice pathological anatomy by the American Board of Pathology. Pathologist also means an osteopathic pathologist who is certified by the Osteopathic Board of Pathology.
Pathologist
A practitioner of physical therapy who is duly licensed in the state where he is practicing and who is practicing within the scope and limitations of that license.
Physical Therapist
A licensed health care provider practicing within the scope of His license and rendering care and treatment to a Covered Person that is appropriate for the condition and locality and who is not: 1. employed or retained by the Subscriber; 2. living in the Covered Person’s household; or 3. a parent, sibling, spouse or child of the Covered Person.
Physician
The plan of insurance, providing similar benefits, sponsored by the Employer in effect immediately prior to this Policy’s Effective Date.
Prior Plan
A legally operating institution or part of an institution which has a transfer agreement with one or more Hospitals and which: 1. is primarily engaged in providing comprehensive multi-disciplinary physical rehabilitative services or rehabilitation Inpatient care; 2. is duly licensed by the appropriate government agency to provide such services; and 3. is required to be accredited by the Joint Commission on Accreditation of Health Care Organizations or the Commission on Accreditation of Rehabilitation Facilities. A Rehabilitation Facility does not include institutions which provide only minimal care, custodial care, care for the terminally ill, part-time care, or services or facilities for drug abuse or alcoholism.
Rehabilitation Facility
A physical or mental illness including pregnancy.
Sickness
The Employee’s lawful Spouse who is at least Age 18 but not yet Age 100. Except for purposes of determining initial eligibility, the term includes a Spouse who is widowed or divorced or legally separated from an Employee.
Spouse
Any participating organization that subscribes to the Trust to which this Policy is issued.
Subscriber
The Group Insurance Trust for Employers named on the face page of this Policy.
Trust
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