AO22OCFL 4 The Coma benefit pays an indemnity amount if a Covered Person is rendered Comatose. The Coma must be diagnosed by a Physician and continue for at least 14 consecutive days. The Paralysis benefit pays an indemnity amount if a Covered Person suffers Paralysis. The amount paid will be based on the type of Paralysis. The Paralysis must be diagnosed by a Physician and continue for at least 90 consecutive days. This benefit is payable only once per lifetime per Covered Person. The Appliance benefit pays an indemnity amount for a wheelchair, motorized scooter, walker, walking boot, brace, cane, crutches, or any other medical device used for mobility to aid a Covered Person. The Prosthesis benefit pays an indemnity amount if a Covered Person requires the use of a prosthesis as a result of Injuries sustained. This benefit is payable per device up to two devices per Covered Person per Covered Accident. The Transportation benefit pays an indemnity amount for transportation of a Covered Person who requires treatment and is Confined in a non-local Hospital due to Injuries sustained. This benefit is payable only once per round trip up to 3 round trips per Covered Person per Covered Accident. Transportation benefits will only be provided for the Injured Covered Person. The Family Member Lodging and Meals benefit pays an indemnity amount, up to 30 days, for lodging and meals for a family member to be near a Covered Person who has been Confined in a Hospital. The Concussion benefit pays an indemnity amount for a Covered Person that suffers a Concussion. The diagnosis must be made within 7 days of the Covered Accident. The Traumatic Brain Injury benefit pays an indemnity amount for a Covered Person that is Confined for at least 48 hours as a result of a Traumatic Brain Injury (TBI). The diagnosis and Confinement must occur within 3 days of the Covered Accident. The Accident Screening benefit pays an indemnity amount if a Covered Person receives one of the following screenings rendered by a Physician: bone density screening; Epworth Sleepiness Scale for the purpose of diagnosing a sleeping disorder; hemoglobin A1c; routine physical exam; sports physicals; or stress test. This benefit is payable once per policy per Calendar Year. THE REMAINDER OF THIS PAGE INTENTIONALLY LEFT BLANK Continued on next page
Accident Insurance Overview Level 4 Page 7 Page 9