Accident:

A sudden, unforeseen event or series of events that results in bodily Injury.

Accidental-death:

A covered person’s death caused by an injury.

Catastrophic Loss:

An injury that results in total and permanent or irrevocable loss of: the sight of one eye; the use of one hand/arm; or the use of one foot/leg.

Common-carrier Accident:

An accident directly involving a common-carrier vehicle in which a covered person is a passenger at the time of the accident. A common-carrier vehicle is limited to only an airplane, train, bus, trolley or boat that is duly licensed by a proper authority to transport persons for a fee, holds itself out as a public conveyance, and is operating on a posted regularly scheduled basis between predetermined points or cities at the time of the accident. A passenger is a person aboard or riding in a common-carrier vehicle other than (1) a pilot, driver, operator, officer or member of the crew of such vehicle; (2) a person having any duties aboard such vehicle; or (3) a person giving or receiving any kind of training or instruction.

Covered Person:

Persons insured under the coverage type you applied for on the application: individual (named insured listed in the Policy Schedule), named insured/spouse only (named insured and spouse), one-parent family (named insured and dependent children) or two-parent family (named insured, spouse, and dependent children). Spouse is defined as the person to whom you are legally married and who is listed on your application. Newborn children of the named insured or spouse are automatically covered under the terms of the policy for 30 days from the moment of birth. If you desire uninterrupted coverage for a newborn child beyond the first 30 days and individual or named insured/spouse only coverage is in force, you must notify Aflac in writing within 31 days of the child’s birth. Upon notification, Aflac will convert the policy to one-parent family or two-parent family coverage and advise you of the additional premium due, if any. Coverage provided under any one-parent family or two-parent family policy will continue for any other dependent child, regardless of age, who is incapable of self-sustaining employment by reason of intellectual or physical disability, and who became so disabled prior to age 26 and while covered under the policy. Dependent children are your natural children, stepchildren, legally adopted children, foster children, or children in your custodial care pursuant to a court order who are under age 26. Children born to your dependent children or children born to the dependent children of your spouse are not covered under the policy.

Effective Date:

The date(s) coverage begins as shown in the Policy Schedule or any attached endorsements or riders. The effective date may not be the date you requested or the date you signed the application for coverage.

Hazardous Activity Accident:

An accident while a covered person is participating in sky diving, scuba diving, hang gliding, motorized vehicle racing, cave exploration, bungee jumping, parachuting, or mountain or rock climbing. A hazardous activity accident does not include any common-carrier accidents.

Hospital Confinement:

A stay of a covered person confined to a bed in a hospital of at least 18 hours for which a room charge is made. The hospital confinement must start within 30 days of the covered accident and must be on the advice of a physician and the result of a covered injury. Confinement in a U.S. government hospital does not require a charge for benefits to be payable.

Injury:

A bodily injury caused directly by an accident, independent of sickness, disease, bodily infirmity, medical mishap or any other cause.

Intensive Care Unit Confinement:

A stay of a covered person confined to a bed in an intensive care unit of at least 18 hours for which a room charge is made. The intensive care unit confinement must be on the advice of a physician and the result of a covered injury. Treatment or confinement in a U.S. government hospital does not require a charge for benefits to be payable.

Organized Sporting Activity:

A competition or supervised organized practice for a competition. The competition must be governed by a set of written rules, be officiated by someone certified to act in that capacity, and overseen by a legal entity such as a public school system or sports conference. The legal entity must have a set of bylaws and competition must be on a regulation playing surface. Participation must be on an amateur basis. The organized sporting activity benefit is not payable for injuries that are caused by or occur as a result of a covered person’s participating in any sport or sporting activity for wage, compensation, or profit, including officiating or coaching; or racing any type vehicle in an organized event.

Other Accident:

An accident that is not classified as either a common-carrier accident or a hazardous activity accident and that is not specifically excluded in the limitations and exclusions.

Sickness:

An illness, disease, infection, disorder, or condition not caused by an injury. Sickness includes, but is not limited to, occupational diseases, conditions caused by overuse, conditions caused by repetitive motion, strain, or stress and conditions caused by the prolonged or repetitive exposure to substances, materials, gases, toxins, light or processes.

An ambulatory surgical center does not include a physician’s or dentist’s office, clinic, or other such location.

The term hospital does not include any institution or part thereof used as a rehabilitation facility; a hospice unit, including any bed designated as a hospice bed or a swing bed; a transitional care unit; a convalescent home; a rest or nursing facility; an extended-care facility; a skilled nursing facility; a psychiatric unit; or a facility primarily affording custodial or educational care, care or treatment for persons suffering from mental disease or disorders, care for the aged or care for persons addicted to drugs or alcohol.

The term hospital emergency room does not include urgent care centers.

A common-carrier accident does not include any hazardous activity accident or any accident directly involving private, on demand or chartered transportation in which a covered person is a passenger at the time of the accident.

The term rehabilitation facility does not include a hospice unit, including any bed designated as a hospice or a swing bed; a convalescent home; a rest or nursing facility; a psychiatric unit; an extended-care facility; a skilled nursing facility; or a facility primarily affording custodial or educational care, care or treatment for persons suffering from mental disease or disorders, care for the aged or care for persons addicted to drugs or alcohol.

The Prosthesis Repair or Replacement Benefit is not payable for hearing aids, wigs, or dental aids to include false teeth.

A physician, occupational therapist, physical therapist, or speech therapist does not include you or a member of your immediate family.

Burns must be treated by a physician within 72 hours after a covered accident. If a covered person receives one or more skin grafts for a covered burn, we will pay 50 percent of the burns benefit amount that we paid for the burn receiving the graft. Skin grafts are limited to one graft per burn regardless of the number of grafts received.

Dislocations must be diagnosed by a physician within 72 hours after the date of the injury and require correction by a physician. It can be corrected by open or closed reduction. We will pay for no more than two dislocations per covered accident, per covered person. Benefits are payable for only the first dislocation of a joint. If a dislocation is reduced with local or no anesthesia by a physician, we will pay 25 percent of the amount shown for the closed reduction dislocation.

Coma must have a duration of at least seven days. The condition must require intubation for respiratory assistance. Coma does not include any medically induced coma.

Emergency dental work does not include false teeth such as dentures, bridges, veneers, partials, crowns, or implants. The benefit is limited to one emergency dental work benefit per covered accident, per covered person.

Fractures must be diagnosed by a physician within 14 days after the date of the injury and require correction by a physician. It can be corrected by open or closed reduction. The benefit is limited to two fractures per covered accident, per covered person. For the closed reduction for chip fractures and other fractures not reduced by open or closed reduction, payment is limited to 25 percent of the benefit amount shown in the policy.

Lacerations must be repaired within 72 hours after the accident. A laceration resulting from an open fracture will not be payable under the laceration benefit.

Paralysis must be confirmed by your attending physician. The duration of the paralysis must be a minimum of 30 days. This benefit will be payable once per covered person.

Surgical procedures must be performed within one year of a covered accident. Two or more surgical procedures performed through the same incision will be considered one operation, and the benefit amount will be paid based upon the most expensive procedure.

A miscellaneous surgical procedures benefit is only payable for one miscellaneous surgical procedure, per 24-hour period, even though more than one surgical procedure may be performed.

The pain management benefit is payable for the prescription and receipt of an epidural administered into the spine for pain management in a hospital or physician’s office. This benefit is not payable for an epidural administered during a surgical procedure. This benefit is payable no more than twice per covered accident, per covered person.