Under what circumstances are Hospital Indemnity benefits available?

1.     The Hospitalization must occur outside your Home Country. 2.     You must be admitted as an Inpatient for treatment of a covered Injury or Illness. 3. The daily benefit is calculated and based on each full 24-hour period of confinement as an Inpatient in a Hospital during your Certificate Period, not including time spent in Emergency Room, and not including any partial 24-hour periods.