RL-CI4-CERT2-20-IN 10 D12969 (11/25) Infectious Disease means the diagnosis of an infectious disease that results in you being confined to a Hospital for five (5) or more consecutive days or confined to a transitional care facility for five (5) or more consecutive days. In the event you die while confined as the result of being diagnosed with an infectious disease, we will consider this time period to have been met regardless of the actual number of days confined. Infectious Diseases include, but are not limited to:  Polio;  Rabies;  Meningitis;  Lyme’s Disease;  Bovine spongiform encephalopathy (Mad Cow Disease);  Flesh eating bacteria;  Methicillin-resistant Staphylococcus aureus (MRSA);  Sepsis;  Tuberculosis;  Bacterial pneumonia;  Diphtheria;  Encephalitis.  Legionnaire’s Disease;  Malaria;  Necrotizing Fasciitis;  Osteomyelitis;  Tetanus;  Ebola Virus Disease; and  Coronavirus. “Confined/confinement” means that on the advice of a Doctor, your assignment to a bed as a resident inpatient in a Hospital or transitional care facility. There must be a charge for room and board, other than in any government, military or veterans’ facility for which there is no charge for room and board. “Transitional care facility” means a facility which provides a bridge between the Hospital and home for restorative and rehabilitation care. It must provide skilled nursing care and must be either located in a community nursing home or a Hospital. Confined/confinement also includes assignment to an observation unit in a Hospital, if you stay for at least 20 consecutive hours. Insured Person means an Employee who is eligible for coverage under the Policy, becomes covered according to the terms of the Policy, and whose coverage remains in effect according to the terms of the Policy. Loss of Hearing means the diagnosis of profound deafness in both ears that is not correctable. Loss of Sight means the diagnosis of clinically proven irreversible reduction of sight in both eyes with:  Sight in the better eye reduced to a best corrected visual acuity of less than 6/60 (metric acuity) or 20/200 (Snellen or E-Chart Acuity); or  Visual field restriction to 20 degrees or less in both eyes. Loss of Speech means the clinical diagnosis of total and permanent loss of the ability to speak. Major Organ Transplant means the irreversible failure of your heart, lung, pancreas, an entire kidney or the entire liver, or any combination of these conditions, as determined by a Doctor specialized in care of the involved organ. Acceptance to the UNOS (United Network for Organ Sharing) list is required for this determination, except for kidney failure. If you receive the transplant prior to placement on the network, the network requirement will be waived. If your Doctor determines you are not healthy enough to be placed on the UNOS list or you are rejected from the list, the network requirement will be waived. “Kidney failure” means chronic, irreversible failure of one or both kidneys for which a Doctor recommends either of the following:  Regular hemodialysis or peritoneal dialysis (at least weekly) in order to sustain life, which is expected to continue for at least 6 months.  Renal transplantation.