Under what circumstances are Hospital Indemnity benefits available?
By
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.
