5. Treatment must occur within 90 days from the date of the Covered Accident.
Benefit Limitations 1.
This benefit is payable 1 time per Covered Accident. 2. The Benefit is payable for 1 immediate family member or caregiver for up to 30 days.
For purposes of this Rider:
Definition
Hemiplegia means total Paralysis of the upper and lower limbs on one side of the body.
Paralysis or Paralyzed means total loss of use of a limb. A Physician must determine the loss of use to be complete and irreversible.
Quadriplegia means total Paralysis of both upper and both lower limbs.
Paraplegia means total Paralysis of both lower limbs or both upper limbs.
Prosthetic Device means an artificial device which is prescribed by a Physician.
Durable Medical Equipment means items which are designed for and able to withstand repeated use by more than one person; customarily serve a medical purpose; generally are not useful in the absence of Injury or Sickness; are appropriate for use in the home; and are not disposable. Such equipment includes, but is not limited to, crutches, hospital beds, respirators, wheel chairs, and dialysis machines.
The exclusions that apply to this benefit are in the Common Exclusions section.
Exclusions
Renewability/Termination of Coverage This Rider is renewable. However, this Rider shall automatically terminate on the earliest of the following dates: 1. the date the Covered Person’s coverage ends for any reason under the Policy to which this Rider is attached; 2. the end of the period for which premium is paid for this Rider, subject to the Policy’s Grace Period provision; 3. the end of the period for which premium is paid for coverage under the Policy, to which this Rider is attached, subject to the Policy’s Grace Period provision. Reinstatement If the Employee applies for reinstatement of insurance under the Employee’s Certificate, the Employee may apply to reinstate this Rider at that time.
This rider terminates at the same time as the policy to which it is attached unless terminated at an earlier date. Except for the above, the rider does not change the policy in any way.
CIGNA HEALTH AND LIFE INSURANCE COMPANY
Geneva Campbell Brown Corporate Secretary
Julia M. Huggins Senior Vice President of US Markets President CHLIC
EAB-00-2213.00
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