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 the Insured is on any given day. Intensive Care Unit (ICU) Confinement: An ICU Confinement benefit will be payable for each day the Insured is 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 the Insured is on any given day. If the Insured exhausts the ICU Confinement benefit before such confinement is over, a Hospital Confinement benefit may be payable. LACERATIONS: A Laceration benefit will be payable if the Insured is Injured as a result of a Covered Accident and sustains 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 the Insured who is Hospital Confined because of an Injury sustained due to a Covered Accident. The friend, caregiver or family member must temporarily reside in a hotel, motel or hospital-sponsored lodging. Lodging benefits will be payable for one person. This benefit is payable for up to thirty (30) days within 365 days of the Covered Accident. MEDICAL APPLIANCE: A Medical Appliance benefit will be payable if the Insured sustains an Injury as a result of a Covered Accident which requires a Medical Appliance to assist him or her with mobility provided such appliance is prescribed by a Physician or Medical Professional and received by the Insured within 365 days of the Covered Accident. If the Injury sustained is considered a Catastrophic Loss as defined, the Medical Appliance must be prescribed by a Physician or Medical Professional and received by the Insured within 2 years of the Covered Accident. Only one benefit is payable for each person insured per Covered Accident. ORGANIZED YOUTH SPORTS: An additional benefit will be payable if the Insured Dependent child sustains an Injury as a result of a Covered Accident while participating in an Organized Youth Sport. The Insured Dependent child must be age 18 or younger on the date of the Covered Accident. Proof of registration may be required. LRS-9547-0318-IN Page 8.3