• Incontestability
  Except for nonpayment of premium the policy shall not be contested after the policy has been in force for 2 years from date of issue. All statements made by the Covered Person are deemed representations and not warranties. No such statement will cause us to deny or reduce benefits or be used as a defense to a claim unless a copy of the instrument containing the statement is or has been furnished to the Covered Person, or, in the event of the Covered Person's death or incapacity, to such person's beneficiary or representative.

• Notice of Claim
  Notice of claim must be given to us within 90 days after a Loss occurs or as soon thereafter as possible. The notice can be given to us at P.O. Box 189, Bridgton, ME 04009

• Claim Forms
  When we receive the notice of claim we will send you Proof of Loss forms. If we do not send these forms within 15 days, you can meet the Proof of Loss requirements by giving us a written statement of the nature and extent of Loss within the time limit In the Proofs of Loss Section.

• Proofs of Loss
  Written Proof of Loss must be given to us within 90 days after such Loss. We will not deny or reduce any claim because proof is not filed within this time, if it is filed as soon as reasonably possible.

• Time of Payment of Claims
  After receiving written Proof of Loss, we will immediately pay all benefits as they accrue.

• Payment of Claims
  After receiving written Proof of Loss, we will pay all benefits to you, if living, or at your request, to the Hospital or person rendering services.  Benefits for accidental death, if any, will be paid to your estate.

• Physical Examination

• We, at our expense, have the right to have you examined by a physician of our choice as often as reasonably necessary while a claim is pending.

• Legal Actions
  No legal action may be brought to recover on the Policy: (a) within 60 days after written Proof of Loss has been given as required; or (b) after 3 years from the time written Proof of Loss is required.

• Assignment
  This Policy and an Insured's coverage may not be assigned.

• Non-Duplication Provision
  The covered eligible medical expenses shall not include any charges or medical expenses to the extent that they are compensable under another plan which covers hospital, medical, dental or other health care expenses. Non-duplication is a way to make sure that the payments from all insurance plans are not more than the total charge for covered services. Claims for $100 or less will be paid regardless of other insurance.

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SECTION I

BASIC ACCIDENT' BENEFITS

When you are injured in an Accident while covered under this policy we will pay the eligible expense incurred for treatment of the Injury within 52 weeks after the date of the Accident up to a maximum of $1,000. There is a $150.00 deductible per Accident. Benefits payable are for the following: (a) treatment by a Doctor (b) emergency medical treatment (c) hospital confinement (d) services of a licensed practical nurse or RN (e) x-ray services (f) use of operating room, anesthesia, laboratory services (g) use of an ambulance. This benefit includes coverage for treatment of Injury to sound, natural teeth up to a maximum of $500. Injuries that occur while participating in intercollegiate sports that are officially sponsored by Daniel Webster College are also covered.

SECTION II

BASIC SICKNESS BENEFITS

When you suffer a Loss from Sickness, we will pay the Expense incurred within fifty-two (52) weeks of the first medical treatment for the Sickness, up to a maximum of $1,000. Benefits are allocated as follows:

Hospital Room and Board Expenses: When your Sickness requires Hospital Confinement. we will pay the hospital room and board expense up to a maximum of $350.00 per day.

Miscellaneous Hospital Expense: We will pay Expenses incurred by you during a Hospital Confinement or as an Outpatient for day surgery up to a maximum of $1,000, We will pay for anesthesia, operating room, laboratory tests, x-rays, oxygen tent., drugs, medicines. dressings, and other necessary non-room and board hospital expenses.

Surgical Expenses: When your Sickness requires surgery. we will pay the Expense according to the 1974 California Relative Value Studies. The Conversion Factor ($100) will be applied to the Unit Value for that operation; subject to a Maximum Per Operation of $1,000. For more information regarding the surgical schedule please contact the NAHGA Claim Services.

If the surgery requires the services of an anesthetist. who is not employed or retained by the hospital in which the operation is performed, we will pay the Loss incurred up to 25% of the amount payable for the operation.

If the surgery requires the services of an Assistant Surgeon, we will pay the Loss incurred up to 25% of the amount payable for the operation.

In-Hospital Physician's Fees Expenses: When your Sickness requires the services of a Doctor other than the surgeon, we will pay the expense for such services up to $50 per visit, limited to one visit per day up to a maximum of $300.

Prescribed Maintenance Medication Expenses: If due to a long term illness, an insured requires medicines not normally stocked by the College Health Center., we will pay the expense actually incurred by the Insured for such medicines in excess of the first $10.00 for a thirty day supply. The purchase of this medicine must be authorized by the College Health Center. Maximum per year $500.

Consultant or Specialist Fee: When your Sickness requires the services of a consultant or specialist requested by the Attending Doctor to confirm or determine a diagnosis, we will pay the Expense up to a maximum of $125 per Sickness.

Ambulance Expense: When your Sickness requires the use of an ambulance, we will pay the Expense up to a maximum of $150.

Diagnostic X-ray and Laboratory Expense: If your Sickness requires diagnostic x-ray or laboratory services, under the Doctor's direction other than a hospital outpatient facility we will pay the Expense up to a maximum of $ 150.

In Hospital Outpatient Expense: If your Sickness requires the use of outpatient facilities of a hospital for: diagnostic x-ray; laboratory services; an emergency room; or operating room, under the Doctor's direction, we will pay the hospital expenses up to a maximum of $250, All hospital outpatient visits that are not authorized by the College Health Center during office hours will be subject to a $50.00 per accident or sickness deductible. Deductible does not apply to weekends and evenings when Health Center is closed.

Maternity: Maternity care is covered to the same extent that coverage is provided for Hospital, Surgical or Medical Benefits for any other illness.

Prescribed Medication Expenses: If due to Sickness, an insured requires medicines not normally stocked by the College Health Center, we will pay the expense actually incurred by the Insured for such medicines in excess of the first $10. The purchase of this medicine must be authorized by the College Health Center. Maximum per Sickness is $150.00.

Out of Hospital Doctor's Fee Expenses: When your Sickness, requires the services of a Doctor., other than the surgeon, while not confined to a Hospital., we will pay the expense thereof. Our payment will not exceed the $80.00 per visit (limited to one visit per day).

SECTION III

SUPPLEMENTAL EXPENSE BENEFIT

If the covered medical expense for your Injury or Sickness exceeds the Aggregate Maximum we owe under the BASIC ACCIDENT AND SICKNESS BENEFITS, we will pay 80% of the eligible expense up to a maximum of $20,000.

The services must be given within 52 weeks of the date of the accident or first treatment for Sickness. Covered expenses for daily hospital room and board will not be more than the usual semi-private room charge.

Mental Illness and Emotional Disorders: Benefits are payable for Covered Expenses for the treatment, diagnosis and evaluation of mental illness and emotional disorders. While confined in a hospital, public mental hospital, including a psychiatric inpatient facility or when medical services are received in a community mental health center or an approved psychiatric residential program included under the license of such hospital, benefits are payable on the same basis as any other sickness. Outpatient services are limited to 15 hours of treatment per policy year.

Chemical Dependency and Alcoholism: Covered Expenses include the Medically Necessary treatment for chemical dependency, alcoholism, detoxification and rehabilitation while confined to a Hospital or Residential Facility on an inpatient basis. and on an outpatient basis. Inpatient Maximum Benefit. 7 days $250 per admission; Outpatient Maximum Benefit 26 visits $30 per visit Lifetime Maximum for ALL Inpatient and Outpatient Benefits: $1,000 per covered person.

Additional Medical Benefits: Benefits are payable subject to the policy limitations for scalp hair prosthesis; nonprescription enteral formulas and food products; diabetes treatment. supplies and self-management training; mammograms; reconstructive breast surgery following a mastectomy; Dental Anesthesia for certain individuals; patient care cost in some clinical trials, and elective abortion up to $400.

Benefits under this policy are subject to the following exclusions. Other exclusions may also apply. For a complete list of exclusions, please refer to the Insurance policy provided to your school.

The Policy does not cover Loss nor provide benefits for:

• Expenses for dental treatment except for treatment resulting from Injury to natural teeth. or as specifically provided by a Sickness Dental Expense Benefit.

• Services normally provided without charge by your health service, infirmary or hospital or employees.

• Eye examinations eyeglasses or prescription thereof.

• Suicide, attempted suicide or intentionally self-Inflicted injury.

• Injury due to participation in a riot.

• Cosmetic surgery. Cosmetic surgery does not include reconstructive surgery which results from trauma, infection or other diseases of the involved part, reconstructive surgery because of congenital disease or deformity of a dependent child. Cosmetic surgery due to congenital defects will be covered for newborn children.

• Loss resulting from air travel except as a fare-paying passenger on a commercial airline.

• Injury or Sickness resulting from declared or undeclared war.

• Injury or Sickness while in the armed forces of any country.

• When an Insured enters such armed forces., we will refund the unearned pro rata premium to the Insured.

• Injury or Sickness covered by a workers' compensation or occupational disease law.

• Injury caused by, contributed to, or resulting from the use of alcohol, controlled substances, illegal drugs or medicines that are not taken in dosage or for the purpose prescribed by the doctor.

• Treatment provided in a governmental hospital unless the Insured is legally obligated to pay such charges.

•  Elective treatment and elective surgery.

• Injury resulting from the practice or play of intercollegiate sports not officially sponsored by Daniel Webster College.

• Pre-existing conditions. 'Pre-existing Conditions' means a medical condition. where physical or mental, for which medical advice, diagnosis, care or treatment was recommended by or received from a Doctor within the 3 month period prior to the Effective Date of coverage for a Covered Person. If a covered person was continuously covered under this or a similar preceding policy offered through the Group Policyholder, any sickness diagnosed or injury sustained while so covered will not be considered a Pre-Existing Condition when such person becomes covered under this policy, provided the covered person enrolls for this coverage within 63 days of the end of the preceding policy. The Covered Person will be considered to have maintained continuous coverage, except for expenses that are the liability of the pervious policy. Coverage cannot be considered continuous if a break in enrollment of more than 63 days occurs.

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STUDENTS UNDER AGE 25

Period Covered: The insurance will be effective on August 19, 2008 and continues in effect through August 19, 2009

STUDENTS AGE 25-55

Period Covered: Effective August 19, 2008 through August 19, 2009