EYE INJURY: An Eye Injury benefit will be payable if the Insured sustains an Injury to his or her eye or eyes as a result of a Covered Accident provided a Physician: (1) performs surgical repair on the eye or eyes within 90 days of a Covered Accident; or (2) removes a foreign object from the eye or eyes within 90 days of the Covered Accident. Only one benefit will be paid for each eye for each person insured per Covered Accident. FRACTURE: A Fracture benefit will be payable if the Insured sustains a Fracture or Chip Fracture as a result of a Covered Accident provided it is diagnosed by a Physician within 6 months of the Covered Accident. If the Insured sustains more than one fracture as a result of such Covered Accident, we will pay one benefit, which is the highest. HOSPITALIZATION: Initial Hospital Admission: An Initial Hospital Admission lump sum benefit will be payable if the Insured sustains an Injury due to a Covered Accident and requires Hospital Confinement and: (1) Hospital Confinement occurs within 180 days of the Covered Accident; and (2) it is the first Hospital Confinement for such Covered Accident. Only one benefit will be paid for each person insured per Covered Accident. This benefit will not be payable if treatment is provided: (1) in the emergency room; or (2) on an Outpatient basis. If a benefit is payable under the Initial Hospital Admission benefit as well as under the Initial Intensive Care Unit (ICU) Hospital Admission benefit, only one benefit will be paid, which is the highest. The Insured may also be eligible for a Hospital Confinement benefit. Initial Intensive Care Unit (ICU) Hospital Admission: An Initial ICU Hospital Admission lump sum benefit will be payable if the Insured sustains an Injury due to a Covered Accident and requires 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. The Insured may also be eligible for an Intensive Care Unit (ICU) Confinement benefit. Hospital Confinement: A Hospital Confinement benefit will be payable for each day the Insured is 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. LRS-9547-0318-IN Page 8.2