Initial Intensive Care Unit (ICU) Hospital Admission: An Initial ICU Hospital Admission lump sum benefit will be payable if you or your Insured Dependent sustain an Injury due to a Covered Accident and require admission to the ICU of a Hospital and: (1) admission occurs within 180 days of the Covered Accident; (2) the ICU stay is more than 23 hours; and (3) it is the first ICU admission for such Covered Accident. Only one benefit will be paid for each person insured per Covered Accident. If a benefit is payable under the Initial Intensive Care Unit (ICU) Hospital Admission benefit as well as under the Initial Hospital Admission benefit, only one benefit will be paid which is the highest. You or your Insured Dependent may also be eligible for an Intensive Care Unit (ICU) Confinement benefit. Hospital Confinement: A Hospital Confinement benefit will be payable for each day you or your Insured Dependent are Hospital Confined because an Injury is sustained due to a Covered Accident if the initial confinement begins within 180 days of the Covered Accident. This benefit is payable per day for up to three hundred sixty-five (365) days for each person insured per Covered Accident over the course of 365 days from the date of Initial Hospital Confinement. Only one Hospital Confinement benefit is payable regardless of whether more than one Covered Accident caused such confinement. If a Hospital Confinement benefit and an Intensive Care Unit (ICU) Confinement benefit are both payable on the same day, only the ICU Confinement benefit will be paid for that day. A Hospital Confinement benefit and an Intensive Care Unit (ICU) Confinement benefit may both be payable for one Hospital stay but are payable based on where you or your Insured Dependent are on any given day. Intensive Care Unit (ICU) Confinement: An ICU Confinement benefit will be payable for each day you or your Insured Dependent are confined in the ICU of a Hospital because of an Injury sustained due to a Covered Accident if confinement begins within 30 days of the Covered Accident. This benefit will be payable for up to thirty (30) days for each person insured per Covered Accident over the course of 365 days from the date of initial ICU confinement. Only one ICU Confinement benefit is payable regardless of whether more than one Covered Accident caused such confinement. If an ICU Confinement benefit and a Hospital Confinement benefit are both payable on the same day, only the ICU Confinement benefit will be paid for that day. An ICU Confinement benefit and a Hospital Confinement benefit may both be payable for one Hospital stay but are payable based on where you or your Insured Dependent are on any given day. If you or your Insured Dependent exhaust the ICU Confinement benefit before such confinement is over, a Hospital Confinement benefit may be payable. LACERATIONS: A Laceration benefit will be payable if you or your Insured Dependent are Injured as a result of a Covered Accident and sustain a laceration (cut), provided it is treated by a Physician or Medical Professional within 72 hours of the Covered Accident. This benefit is payable: (1) once for the total number of lacerations received not requiring sutures (stitches); and (2) once for the total length of all lacerations received requiring sutures, for each person insured as a result of any one Covered Accident. If a laceration would normally require sutures but the Physician or Medical Professional chooses to repair the laceration by some other medically accepted method, the benefit will still be payable as if the repair was made with sutures. LODGING: A Lodging benefit is payable for each day a friend, caregiver or family member travels more than one hundred (100) miles away from his or her home to support you or your Insured Dependent who are Hospital Confined LRS-9548-0318-IN Page 7.3