Glossary

An accidental bodily injury sustained by an insured person, which is the direct cause of a loss independent of disease, bodily infirmity, or any other cause.

The insertion of needles into the human body by piercing the skin of the body, to control and regulate the flow and balance of energy in the body.

The insured person’s attained age.

The maximum amount of benefits to which you are annually entitled under an insurance plan for all covered services combined.

A disorder characterized by a pathological pattern of alcohol use that causes a serious impairment in social or occupational functioning. Also termed alcohol abuse or, if tolerance or withdrawal is present, alcohol dependence.

Local transportation in a specially equipped certified vehicle from your home, scene of accident, or medical emergency to a hospital, between hospital to hospital, or hospital to your home. If there are no facilities in the local area equipped to provide the care needed, ambulance transportation then means the transportation to the closest facility that can provide the necessary service.

A facility (other than a hospital) whose primary function is the provision of surgical procedures on an ambulatory basis and which is duly licensed by the appropriate state and local authority to provide such services.

The administration of anesthesia and the performance of related procedures by a physician or a certified registered nurse anesthetist that may be legally rendered by them respectively.

A form on which the prospective insured states facts that is requested by the insurer on the basis of which, together with information from other sources, the insurer decides whether to accept the risk, modify the coverage offered, or decline the risk.