"Intensive Care Unit (ICU)" means a specific area of the Hospital, set apart from the surgical recovery room and other rooms used for confinement of patients, providing: (1) intensive medical care and treatment to only those patients who are in critical condition; (2) continuous observation of and care to patients by a specially trained nursing staff that is dedicated exclusively to the ICU on a 24 hour basis; (3) a Physician assigned exclusively to the ICU on a full-time basis; and (4) life-saving equipment required to treat patients in critical condition which is permanently located in the ICU. "Loss" as used in the Dismemberment and Catastrophic Loss benefits, means severance or total and irrecoverable loss of: (1) the hand or foot through or above the wrist or ankle joint; (2) the arm above the elbow; (3) the leg above the knee; (4) a finger, thumb or toe, including at least one joint, which is either partially or completely severed; (5) sight in an eye in which the corrective visual acuity is worse than 20/200 or the field of vision is 20 degrees or less; (6) hearing that cannot be corrected to hear sounds at or below 70 decibels by the use of any hearing aid or device; or (7) speech which cannot be corrected to any degree by any procedure or device, which results directly and independently from an Injury with no other contributing cause. "Medical Appliance" means an appliance that assists the Insured with mobility such as crutches, wheel chairs, or walkers. "Medical Professional" means a person, other than a Physician or Dentist, that provides medical care and services within the scope of his or her license such as chiropractors, physical therapists, occupational therapists, physician's assistants, nurse practitioners and registered nurses. The Medical Professional may not be the Insured Person or a member of his/her Immediate Family. "Organized Youth Sports" means a sport activity that is governed by an organization and requires formal registration to participate. "Outpatient" means an Insured who receives medical care, treatment and services when not Hospital Confined. "Paralysis" means Paraplegia, Quadriplegia or Hemiplegia diagnosed by a Physician and as defined below: (1) "Paraplegia" means complete and permanent loss of motor function of both lower limbs. (2) "Quadriplegia" means complete and permanent loss of motor function of both the upper and lower limbs. (3) "Hemiplegia" means complete and permanent loss of motor function of the upper and lower limbs of the same side of the body. "Physician" means a duly licensed medical or osteopathic doctor who is recognized by the law of the jurisdiction in which treatment is provided as qualified to treat the type of Injury for which claim is made. The Physician may not be the Insured Person or a member of his/her Immediate Family . "Ranchos Los Amigos Scale" means a system used by the medical profession for measuring levels of awareness, cognition, behavior and interaction with the environment. "Rehabilitation Facility" means any facility or Hospital that is licensed in the jurisdiction in which it is operating to provide rehabilitation services, therapy or retraining to the Insured to enable him or her to walk, communicate, and/or function as a member of society. LRS-9547-0318-IN Page 2.2