Accidental Injury, Ambulances, Office Visits, Tests

Subject to all Policy limitations, exclusions, applicable deductibles, co-pays and maximums, the Company agrees to pay for Policy-defined Covered Expenses for the following described services, if they are Medically Necessary:

2. Outpatient Treatment of Accidental Injuries: Services Provided by Participating Providers in connection with the Outpatient treatment of Injuries received by an Insured.

3. Emergency Transportation to Hospital by Ambulance: Services Provided in connection with transportation of an Insured by either local ground ambulance or local air ambulance to the nearest Hospital that is a Participating Provider and appropriately staffed, equipped, available and suitable for the Emergency diagnosis, care and treatment of an Insured’s Injury or Sickness. However, expenses charged for transportation to a Hospital by air ambulance are not payable or otherwise considered covered, if such Insured’s medical condition was not sufficiently acute or severe upon arrival at the Hospital to result in Inpatient admission and Confinement in the Hospital immediately following the Insured’s evaluation and treatment in the emergency room of such Hospital.

4. Outpatient Provider Office Visits: Professional services Provided by a Participating Provider during a visit to the professional offices of such Provider for the purpose of evaluation, diagnosis and treatment of Injuries or Sickness.

5. Outpatient Laboratory and Diagnostic Tests: Services Provided by Participating Providers, Hospitals or other medical facilities in connection with the performance and interpretation of laboratory and diagnostic tests received on an Outpatient basis by an Insured due to Injuries or Sickness.