Definitions

Accident

A sudden, unexpected and unforeseen bodily Injury to a Close Relative, caused by violent, visible and external means. The Accident must result in a Medically Necessary admission for the individual to a Hospital bed on the advice of a Legally Qualified Physician for a minimum of six (6) consecutive days (1 day is 24 hours).

Additional People
Persons under 75 years of age for whom an additional Membership fee has been paid, inclusive of the Member’s extended family, friends and/or business colleagues and  for the purpose of this Membership will be treated as Close Relatives.
Area of Cover
The countries within the areas defined below in which the Country of Residence exists, as specified and for which the appropriate payment has been paid:

Europe: The following European countries: Albania, Andorra, Austria, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Channel Islands, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Great Britain, Greece, Greenland, Hungary, Iceland, Ireland, all islands of the Mediterranean, Isle of Man, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Ukraine, Vatican State.

USA: Domestic United States of America, North America and Mexico.

Worldwide: All countries worldwide.
Close Relative
Persons under 75 years of age who are the Member’s legal spouse or common-law spouse, domestic partner, same-sex spouse where legal; legal guardian; son or daughter   (adopted,   foster   or   step);   son-in-law;   daughter-in-law; mother, mother-in-law, father, father-in-law, brother, step-brother; sister; step-sister; brother-in-law; sister-in-law or step-parent. This includes any Additional People added to this Membership for whom an additional Membership Fee has been paid.
Country of Residence
The date the Membership becomes effective following payment of the applicable Membership Fee.
Covered Event
An Accident or Sickness, or death of a Member or Close Relative during the period of coverage.
Dependent Children
A child living with the Member who is under 19 years of age, or a child of any age who is medically certified by a Legally Qualified Physician as having an intellectual disability or a physical disability and is dependent upon the Member.
Effective Date
The date the Membership becomes effective following payment of the applicable Membership Fee.
Home
As used in this cover means a Member’s or Close Relative’s Permanent Residence.
Hospital
a) a place which is licensed or recognized as a general hospital by the proper authority of the state or country in which it is located.

b) a place operated for the care and treatment of resident in patients with a registered graduate nurse (RN) always on duty and with a laboratory and X-Ray facility.

c) a place recognized as a general hospital by the joint commission on the accreditation of hospitals. Not included is a hospital or institution licensed or used principally i) for the treatment or care of drug addicts or alcoholics: ii) as a clinic for continued or extended care facility, skilled nursing facility, convalescent home, rest home, nursing home or home for the aged.
Injury / Injuries
Accidental bodily Injuries: (a) received while a Member of this plan; (b) resulting in loss independently of Sickness and all other causes: and (c) not excluded from coverage.
Legally Qualified Physician
A physician (a) other than you or a family member: (b) practicing within the scope of his or her license: and (c) recognized as a physician in the place where the services are rendered.
Medically Necessary
A service or supply which: (a) is recommended by the attending Legally Qualified Physician: (b) is appropriate and consistent with the diagnosis in accord with accepted standards of community practice: (c) could not have been omitted without adversely affecting your condition or quality of medical care: (d) is delivered at the most appropriate level of care and not primarily for the sake of convenience: and (e) is not considered experimental unless coverage for experimental services or supplies is required by law.
Member
The person(s) named on the enrollment form as the persons for which Membership has been paid, including Dependent Children if listed.
Permanent Residence
The country where a Member and a Close Relative has their true, fixed and permanent residence and principle establishment.
Sickness
An illness or disease that is diagnosed or treated by a Legally Qualified Physician.
Summary of Coverage
The summary of the benefits and limits that are applicable per Covered Event.
Travel Assistance Service Provider
On Call International LLC.
Waiting Period

The 120 days from the Member's Effective Date where no benefits are payable.