DEFINITIONS

Accident Medical

	Accident or Accidental means a sudden, unexpected, specific and abrupt event that occurs by chance at an identifiable time and place during the Policy term.
	Aggregate Limit of Liability means the total benefits We will pay for a Covered Accident or Covered Accidents set forth in the Policy.  For purposes of the Aggregate Limit of Liability provision, Covered Accident or Covered Accidents will include a Covered Loss or Covered Losses arising out of a single event or related events or originating cause and includes a resulting Covered Loss or Covered Losses.  If the total benefits under the Aggregate Limit of Liability is not enough to pay full benefits to each Insured Person, We will pay each one a reduced benefit based upon the proportion that the Aggregate Limit of Liability bears to the total benefits which would otherwise be paid.
	Deductible Amount means the portion of the Usual and Customary Charges for Medically Necessary Covered Accident Medical Services, incurred due to Covered Injuries sustained by an Insured Person in a Covered Accident, which must be met before the Accident Medical Expense Benefit will be paid.  The Deductible Amount is shown on the Schedule.
	Maximum Benefit Period means, with respect to the Accident Medical Expense Benefit, the maximum period for which benefits will be payable for Covered Accident Medical Services for or in connection with a single Accident Medical Expense Covered Loss.  The Maximum Benefit Period for the Accident Medical Expense Benefit commences on the first date of treatment or services and continues for the period of time shown on the Schedule.
	Policy means the Blanket Accident Insurance Policy.
	Usual and Customary Charge(s) means a charge that is made for a Covered Accident Medical Expense Benefit that: (1) does not include charges that would not have been made if no insurance existed; (2) is the lesser of the : (a) usual charges for similar services, treatment, supplies, or Hospital room and board in the locality where the expense is incurred. (For a Hospital stay, the Usual and Customary Charge is based upon the expense for a semi-private room and board charge, unless the stay is a Medically Necessary stay in an intensive care unit.) or (b) the allowable charge as calculated by any Other Valid and Collectible Insurance provider; and (3) with respect to drugs, 125% of the Average Wholesale Price (AWP) will be considered Usual and Customary.

General Liability

	Additional Insured: A person, company or entity protected by an insurance policy in addition to the insured.
	Benefits: The amount payable by the insurance company to a claimant, assignee or beneficiary under each coverage.
	Certificate of Insurance: A statement of coverage issued to an individual insured under a group insurance contract, outlining the insurance benefits and principal provisions applicable to the member.
	Exclusions: Specific conditions or circumstances listed in the policy for which the policy will not provide benefit payments.
	In-Home:  Any activity occurring in or on a property intended for residential use.
	Liability Insurance: Insurance covering the policyholder's legal liability resulting from injuries to other persons or damage to their property.
	Loss: The happening of the event for which insurance pays.
	Master Policy (or Master Contract): The policy issued to a group policyholder setting forth the provisions of the group insurance plan. The individuals insure under the policy are then issued certificates of insurance.
	Negligence: Failure to use the care that a reasonable and prudent person would have used under the same or similar circumstances.
	Policy: The legal document issued by the company to the policyholder, which outlines the conditions and terms of the insurance; also called the policy contract or the contract.
	Reasonable and Customary Charge: A charge for health care, which is consistent with the going rate or charge in a certain geographical area for identical or similar services.

The Home School Legal Defense Association (HSLDA) does not assume any of the insurance risk provided by the carriers. HSLDA is not involved in the administration of these plans including premium collection or adjudication of claims.