8) Under the General Definitions section the following changes are made:
a) The definition of Covered Accident is revised as follows:
An event that results directly in a Covered Injury or Covered Loss and meets all of the following conditions 1. occurs while the Covered Person is insured under this Policy;
2. is not the result of sickness, mental or bodily infirmity; 3. is not otherwise excluded under the terms of this Policy.
b) The definition of Covered Loss is revised as follows:
A loss that is: 1. the result directly from a Covered Accident; and 2. one of the Covered Losses specified in the Schedule of Benefits . 3. suffered by the Covered Person within the applicable time period specified in the Schedule of Benefits.
c) The definition of Hospital includes the following:
The term Hospital shall include a Veteran’s Administration Hospital or Federal Government Hospital, and the requirement that a patient must incur an expense as an Inpatient shall be waived.
The term Hospital shall include a military or veteran’s hospital contracted for, or operated by, a national government or its agency where: (a) the services are rendered on an emergency basis; or (b) in the absence of insurance, a legal liability exists to pay the charges for the services given; or (c) the services are rendered for Outpatient Surgical Benefits as referenced in the Schedule of Benefits .
d) The definition of Totally Disabled or Total Disability has been modified so that the second bullet reads as follows:
2. inability of the Covered Person who is not currently employed to perform the normal activities of like age and sex and who is under the regular care of a Physician who certifies that such person is Totally Disabled.
9) Under the Common Exclusions section, the following changes are made: a) the exclusions are replaced with the following:
• the Covered Person’s suicide, attempted suicide or intentionally self -inflicted Injury;
• service in the armed forces or units auxiliary thereto. Upon Our receipt of proof of service, We will refund any premium paid for this time on a pro rata basis. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days;
b) the following exclusions do not apply:
• voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;
• operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. Under the influence of alcohol, for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Loss occurred.
• bungee jumping; parachuting; skydiving; parasailing; hang-gliding;
• being used for the purpose of parachuting or skydiving;
• in addition, benefits will not be paid for services or treatment rendered by a Physician, Nurse or any other person who is:
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