Hospital Confinement

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 Lump Sum Inpatient Benefit - Paid if any covered person is confined to a hospital because of injuries received in a covered accident or because of a covered sickness. 

Outpatient Surgery - Paid when any covered person requires a surgical procedure due to a covered accident or covered sickness, and he is not confined at the time of the surgery. A doctor must perform the procedure, anesthesia must be administered by a licensed anesthesiologist, and the procedure must be performed in a hospital or ambulatory surgical center.