Accidental Medical Expense Benefit

The Company will pay up to maximum benefit, if injuries require the Insured Person to be treated-by a physician. The Company will pay benefits for usual and reasonable expenses, provided the first expense is incurred within 30 days after the accident happens,, for any of the services listed below:

1) Charges for semi-private hospital room and board, use of the operation, emergency room, or ambulatory medical centers.

2) Fees of physicians.

3) Medical expenses, in or out of the hospital, including:

• Laboratory Tests
• Ambulance service (to or from hospital)
• Prescription Medicines or Drugs
• Therapeutics
• Anesthetics (including administration of anesthetics)
• Transfusions
• X- rays
• Artificial Limbs or Eyes (excluding repair or replacement of these items)
• Prosthetic Appliances

4) Charges of a Registered Nurse (RN).

After the chosen deductible amount, the Company will pay all usual and reasonable expenses incurred, which are billed to the covered member and not paid by any other primary medical insurance, as the result of any one accident up to the maximum benefit amount. The expenses must be incurred within 52 weeks in a row, after the date of the accident. The services must be recommended and approved by the attending physician. If the expense incurred is greater than the usual and reasonable expense amount, no payment will be made on those expenses over the usual and reasonable expense amount.

ADDITIONAL DEFINITIONS

AMBULATORY MEDICAL CENTER

A licensed facility providing ambulatory surgical or medical treatment, other than a hospital, clinic or physician's office.

HOSPITAL

A facility which:

1) is operated according to law for the care and treatment of injured and sick persons;

2) has organized facilities for diagnosis and surgery on its premises or in facilities available to it on a prearranged basis;

3) has 24 - hour nursing service by registered nurses (RN); and 4) is supervised by one or more physicians.

"HOSPITAL" does not include:

1) a nursing, convalescent or geriatrics unit of a hospital when a patient is confined mainly to receive nursing care, or

2) a facility which is mainly a rest home, nursing home, convalescent home, or a home for the aged.

INJURED PERSON

The class (es) or person (s) as shown on the application, while they are covered under this Policy.

PHYSICIAN

A licensed practitioner of the healing arts acting within the scope of his/her license to treat the injury that causes the loss for which claim is made.

USUAL AND REASONABLE EXPENSE

An expense which:

1) is charged for treatment, supplies, or medical services medically necessary to treat the Insured Person's condition; and

2) does not exceed the usual level of charges made for similar treatment, supplies, or medical services in the locality where the expense is incurred; and

3) does not include expense that would not have been incurred if no insurance had existed.

COORDINATION OF BENEFITS FOR ACCIDENTAL MEDICAL EXPENSE BENEFITS

"Other valid and collectible insurance" shall mean any plan providing medical expense benefits for or by reason of dental, physician, nurse, hospital care, treatment, or confinement, or the performance of surgery and/or any anesthesia, which benefits are provided by (1) any type of service plan contracts, any group or blanket insurance; employee benefit plan or any plan arranged through an employer, trustee, union, or employee benefit association, (2) any plan or program created or administrated by national or state government, or agencies thereof, (3) any individual medical certificate or policy, or (4) Medical expense coverage provided by Automobile or any third party liability coverage.

This provision shall apply in determining the benefits as to a person covered under this plan for any claim determination period: If an allowable expense exceeds the amount of benefit payable under any other valid and collectible insurance for such person during such time period, the Company will pay such excess expenses incurred due to a covered injury up to the policy maximum. This provision is in regard to the primary insurance plan's maximum policy limit.

"Allowable Expense" means any necessary, reasonable and customary item of expense, at least a portion of which is covered under one of the plans covering the person for whom the claim is made.

When a plan provides benefits in the form of services rather than cash payments, the reasonable cash value of each service rendered shall be deemed to be both an allowable expense and a benefit paid.

EXCLUSIONS AND LIMITATIONS

The Plan does not cover any loss, fatal or non-fatal, caused by or resulting from the following:

1) Suicide, attempted suicide, or whenever a covered person injures himself/herself on purpose, while sane or insane.

2) Infections except pyogenic infections caused wholly by a covered injury.

3) War or any act of war, or accident occurring while the Insured Person is in the military, naval or air service of any country (any premium paid to the Company for any period not covered by this Policy while the Insured Person is in such service will be returned pro-rata).

4) Accident occurring while the Insured Person is operating, or learning to operate, or performing duties as a member of the crew of any aircraft.

5) Dental treatment, except as a result of injury to sound natural teeth as provided by the Master Application.

6) Replacement of eyeglasses or eye examinations for the correction of vision or fitting of glasses unless an injury has caused impairment of sight.

7) Injury for which the Insured Person is entitled to benefits under any Worker's Compensation Act or Law or any similar legislation.

8) Hernia of any kind.

9) The Insured's being intoxicated or under the influence of any narcotic unless administrated on the advice of a physician.

10) Chiropractic and manipulation therapy (including acupuncture) are considered usual and reasonable expenses on an outpatient basis up to $30 per visit with a $1,000 maximum benefit.