6. COVERED ACCIDENT BENEFITS Laceration Benefit A Laceration Benefit is payable for each Insured who sustains Lacerations as the result of Injuries received in a Covered Accident. The Laceration must be repaired by a Physician. The benefit payable will be based on the total length of all Lacerations received in any one Covered Accident which requires repair. This benefit is payable only once for each Covered Accident. Loss of Sight/Eye Benefit A Loss of Sight Benefit is payable if an Insured sustains the irrecoverable Loss of Sight of one eye or both eyes or the Loss of an Eye or both eyes due to Injuries received in a Covered Accident. Medical Device Benefit A Medical Device Benefit is payable for the use of a medical device as an aid in personal locomotion or mobility. The medical device must be prescribed by a Physician for the Insured as a result of Injuries received in each Covered Accident. Medical devices include wheelchairs, crutches, walkers, back braces, leg braces, neck braces and walking boots. This benefit is payable only once for each Covered Accident. Paralysis Benefit A Paralysis Benefit is payable for each Insured who becomes paralyzed as a result of Injuries received in a Covered Accident. The Paralysis must be confirmed by a Physician and based on documented evidence that the Paralysis was caused by Injury. The duration of the Paralysis must be at least 30 days and expected to be permanent. Physical and Occupational Therapy Benefit A Physical and Occupational Therapy Benefit is payable for each Insured who requires physical or occupational therapy Treatment as the result of Injuries received in a Covered Accident. The therapy must be rendered by a Physical or Occupational Therapist. This benefit is limited to the maximum number of visits per Insured per Covered Accident as shown in the Benefit Highlights. Physician Follow-Up Treatment Benefit A Physician Follow-Up Treatment Benefit is payable for each Insured who receives follow-up Treatment for Injuries incurred from a Covered Accident when such follow-up Treatment is recommended or advised by a Physician. The follow-up Treatment must: · be due to Injuries received as the result of a Covered Accident; · occur after initial Treatment by a Physician; and · not be for routine examinations or preventive testing. This benefit includes follow-up Treatment provided by a licensed or certified chiropractor. This benefit is limited to the number of times per Insured per Covered Accident, as shown in the Benefit Highlights. Prescription Drug Benefit A Prescription Drug Benefit is payable 1 per Covered Accident for each Insured who requires medication to treat an Injury sustained as a direct result of a Covered Accident. The medication must be prescribed by a Physician. Prosthesis Benefit A Prosthesis Benefit is payable for an Insured who sustains: · Loss of Hand, Loss of Foot, Loss of Arm, Loss of Leg or Loss of an Eye as a result of Injuries received in a Covered Accident; and · requires a prosthetic device, artificial limb or eye which is prescribed by a Physician. This benefit is not payable for joint replacement such as an artificial hip or knee. 16-AC-C-01 Page27