PARALYSIS: A Paralysis benefit will be payable if the Insured sustains an Injury due to a Covered Accident that results in Paralysis and: (1) the Insured loses the function of 2 or more limbs for an uninterrupted period of 60 days; and (2) such Paralysis is confirmed by a Physician. The uninterrupted 60 day period of Paralysis is waived if clinical and radiological evidence shows that the spinal cord has been transected with no possibility of returned functionality. PHYSICAL THERAPY: A Physical Therapy benefit will be payable if the Insured sustains an Injury as a result of a Covered Accident which requires therapy if it: (1) is prescribed by a Physician; (2) is provided by a Medical Professional; (3) is performed in an office, Hospital or Rehabilitation Facility; (4) begins within 6 months of the Covered Accident; and (5) is completed within 365 days of the Covered Accident. This benefit is payable for up to twelve (12) therapy sessions for each person insured per Covered Accident. PHYSICIAN VISIT: Initial Physician Office Visit: An Initial Physician Office Visit benefit will be payable if the Insured sustains an Injury as a result of a Covered Accident and is examined or treated by a Physician or Medical Professional in such individual's office. Examination or treatment must be provided within 6 months of the Covered Accident. This benefit is not payable if the Insured is eligible to receive a benefit under Emergency Treatment. Only one benefit will be paid for each person insured per Covered Accident. Follow-up Physician Office Visit: A Follow-up Physician Office Visit benefit will be payable for follow-up examination or treatment by a Physician or Medical Professional in such individual's office if the Insured has sustained an Injury as a result of a Covered Accident. Examination or treatment must be provided within 60 days of the Covered Accident. This benefit is not payable while the Insured is confined in a Hospital, ICU or Rehabilitative Facility. Only six (6) benefit will be paid for each person insured per Covered Accident. PROSTHESIS: A Prosthesis benefit will be payable if the Insured requires a prosthetic limb as a result of Injury sustained due to a Covered Accident if such prosthesis is prescribed by a Physician and received by the Insured within 365 days of the Covered Accident. If the Injury sustained is considered a Catastrophic Loss as defined, a Physician must prescribe the prosthesis and the Insured must receive it within 2 years of the Covered Accident. Only one benefit is payable per limb, up to 2 limbs, for each person insured per Covered Accident. LRS-9547-0318-IN Page 8.4