A stay in a hospital intensive care unit (ICU) can be an expensive and stressful addition to your hospital stay. This product provides benefits for confinement in an intensive care unit or reduced coverage for confinement in a step-down unit.

THIS IS A LIMITED BENEFIT RIDER.

xiii This optional rider must be elected and requires an additional premium. The Intensive Care rider is issued on rider form GR-2015-LA (1/03).

A loss may not be covered if it is traceable to a condition existing prior to the effective date of the policy. See the attached brochure for pre-existing condition limitations and definition.