2. DEFINITIONS 24-Hour Coverage means coverage is provided under the Policy for Injuries resulting from Covered Accidents incurred on and off the job. Accident or Accidental means an external event that an average person would consider sudden and unforeseeable and: · that results, directly and independently of all other causes; · is independent of any illness, disease or other bodily malfunction; and · occurs while coverage is in force under the Policy for the Insured. Accident or Accidental does not mean an unintentional accident caused by or during medical Treatment or surgery for Sickness or Injury. Actively at Work means that you perform all the regular duties of your job for a full work day at your Employer’s normal place of business, a site approved by your Employer or a site where your Employer’s business requires you to travel. You will be considered Actively at Work if you usually perform the regular duties of your job at your home as long as you can perform all the regular duties of your job for a full work day and could do so at your Employer’s normal place of business. You are considered Actively at Work on any day that is not your regular scheduled work day (e.g., you are on vacation or holiday) as long as you were Actively at Work on your immediately preceding scheduled work day, and you are neither confined nor disabled due to an injury or sickness. Anesthesia means a general or spinal anesthetic. It does not include injection of local anesthetic or peripheral nerve blocks. Benefit Year means a calendar year beginning on January 1 of any year and ending on December 31 of that year. Chip Fracture means a bone Fracture diagnosed by a Physician interpreting an x-ray or other imaging test showing that part of the bone close to a joint has broken-off at a ligament attachment point. Coma means that while insured under the Policy, an Insured has been diagnosed by a Physician with a condition from which the Insured cannot be aroused and which requires an external life support system, both of which have persisted continuously for at least 7 days. Coma does not include: (1) a medically induced coma; or (2) a coma that results from any alcohol or drug use. Common Carrier means commercial airplanes, trains, buses, trolleys, subways, ferries and boats that operate on a regularly scheduled basis between predetermined points or cities. Privately chartered vehicles and taxis are not Common Carriers. Confined or Confinement means on the advice of a Physician, the assignment of a person to a bed as a resident inpatient in a Hospital for not less than 24 continuous hours. There must be a charge for room and board. Contributory means you pay all or part of the premium. Covered Accident means an Accident that: · occurs while the Policy and the Insured’s coverage is in force; · occurs on or after the effective date of insurance; and · is not excluded by the Policy or applicable riders or endorsements attached to it. Dependent means your insured Spouse and Dependent Children. Dependent Child (Dependent Children) means your unmarried or married child under age 26. 16-AC-C-01 Page10