6. COVERED ACCIDENT BENEFITS Torn Knee Cartilage Benefit A Torn Knee Cartilage Benefit is payable for each Insured who sustains a torn knee cartilage (meniscus) as the result of direct Injuries in a Covered Accident. Treatment must be first provided by a Physician and the Injury repaired through surgery by a Physician. If exploratory arthroscopic surgery is performed and no repair is done, or if the cartilage is shaved (debridement), the applicable benefit payable is shown in the Benefit Highlights. Transportation Benefit A Transportation Benefit is payable for each Insured who is required to travel more than 100 miles one way from the Insured’s residence to: · receive special Treatment; or · be Confined in a Hospital; if prescribed by a Physician for the Treatment of Injuries resulting from a Covered Accident when such Treatment or confinement is not available locally. This benefit is not payable for transportation by ground ambulance or air ambulance. Wellness Screening Benefit A Wellness Screening Benefit is payable for each Insured who has any one of the following wellness screening tests performed: · Breast Cancer Screening (clinical breast exam, mammography, MRI, thermography, ultrasound) · CA15-3 (blood test for breast cancer) · CA125 (blood test for ovarian cancer) · Cardiac Exercise Stress Test · Fasting Blood Glucose Test · Colorectal Cancer Screening (fecal occult blood test, colonoscopy, sigmoidoscopy) · Hemocult Stool Analysis · CEA (blood test for colon cancer) · Chest x-ray · Lipid panel (cholesterol, triglycerides, HDL, LDL) · Pap smear · Prostate Cancer Screening (digital rectal exam, PSA blood test) · Serum Protein Electrophoresis · Skin Cancer Screening · Diabetes tests (fasting blood glucose test, hemoglobin A1c) · Carotid Doppler · Echocardiogram · Electrocardiogram (ECG)-resting or stress · Immunizations · Interscholastic Sports Physical Exam To receive this benefit, you must notify us of which wellness screening test was performed. The benefit is payable once per Insured per Benefit Year. 16-AC-C-01 Page29