2. DEFINITIONS Family Member means: (a) your Spouse, civil union partner or domestic partner and (b) the following relatives of you or your Spouse, civil union partner or domestic partner: (1) parent; (2) grandparent; (3) child; (4) grandchild; (5) brother; (6) sister; (7) aunt; (8) uncle; (9) first cousin; (10) nephew or niece. This includes adopted, in-law and step-relatives. Family Status Change means one of the following events: · your marriage or divorce; · the birth of your child; · the adoption of a child by you; · the placement of a child with you, pending adoption; · the death of your Spouse or child; · the commencement or termination of employment of your Spouse. Fracture means a broken bone which can be seen by x-ray. · Open Reduction of Fracture means a surgical procedure. · Closed Reduction of Fracture means a non-surgical procedure. The bone Fractures covered under the Policy are shown in the Benefit Highlights. Hospital means a facility licensed in the applicable jurisdiction that provides medical care and Treatment to sick and injured persons on an Inpatient basis with 24 hour nursing service by or under the supervision of a Physician. Hospital does not include: (1) a rest home; (2) a skilled nursing facility; (3) an extended care facility; (4) a place of convalescence; (5) rehabilitative care; (6) custodial care; or (7) a place primarily for the Treatment of drug addiction or alcoholism. Hospital Intensive Care Unit (ICU) means: · a specifically designated part of a Hospital called an intensive care unit that provides the highest level of medical care and is restricted to patients who are critically ill or injured and who require intensive comprehensive observation and care, including a neonatal intensive care unit specializing in the care of ill or premature newborn infants; · separate and apart from the surgical recovery room and from rooms, beds and wards customarily used for patient confinement; · permanently equipped with special lifesaving equipment for the care of the critically ill or injured; · under constant and continuous observation by a specially trained nursing staff assigned exclusively to the intensive care unit on a 24 hour basis; and · has an assigned Physician on a full-time basis. A hospital intensive care unit is not any of the following step-down units: · a progressive care unit; · an intermediate care unit; · a private monitored room; · sub-acute intensive care unit; or · an observation unit. Incomplete Dislocation means a dislocation in which the joint is not completely separated. Injury means accidental body injury that is the direct result of a Covered Accident. Injuries must be independent of Sickness, disease, bodily infirmity and other causes. Inpatient or Inpatient Treatment means the Insured who receives Treatment as a resident patient using and being charged for the room and board facilities of a Hospital. Insured means any person covered under the Policy. Intoxicated or Intoxication means at or above the minimum blood alcohol level for which the Insured would be considered operating a motorized vehicle under the influence of alcohol in the jurisdiction where the Accident or Injury occurred. 16-AC-C-01 Page12