$50,000 per person
Emergency Medical can reimburse the costs to treat a medical emergency during a trip.
Medical Covered Expenses
Subject to the terms of the Certificate, the Company will reimburse You for Covered Expenses up to the Medical Maximum shown in the Schedule of Benefits for the following medical Expenses that are incurred as the result of and within the Benefit Period:
a) Hospital Expenses for room and board that do not exceed the Hospital’s average charge for semi-private accommodations, Inpatient Treatment, Surgery, operating room, Intensive Care, nursing services, and services and supplies routinely provided by the Hospital to Inpatients;
b) Outpatient Treatment or Surgery;
c) Administration of anesthetics;
d) Medication, x-ray services, laboratory tests and services, use of radium and radioactive isotopes, oxygen, blood transfusions, and iron lungs;
e) Dressings, drugs, and medicines that can only be obtained upon a written prescription of a Physician or Surgeon;
f) Physical therapy if recommended by a Physician for the Treatment of a specific Disablement and if administered by a licensed physical therapist;
g) Hotel room when the Insured Person, otherwise necessarily confined in a Hospital, is under the care of a duly-qualified Physician in a hotel room due to unavailability of a Hospital room due to capacity or distance or to any other circumstances beyond the reasonable control of the Insured Person;
h) Artificial limbs, eyes, larynx, and orthotic appliances other than for replacement of such items;
i) Home Health Care up to the amount set forth in the Schedule of Benefits per Period of Coverage; and
j) Care in a licensed Extended Care Facility upon direct transfer from an acute care Hospital.
The exclusions set forth in Section 8 apply to the coverage provided by the Certificate under this Section 3.2.