A daily benefit of $20.00 will be payable to you, the member, when such insured member is in a hospital and under the
regular care and attendance of a physician, but only in such period of hospitalization:
1. Is necessary for the treatment of injury and,
2. Begins while insurance under the policy is in force as to that member.
The daily benefit will be paid from the first day of hospitalization (one night admission), but in no event for more than
three hundred and sixty-five (365) days per injury or sickness, provided the member is in hospital and under the care
of a physician.
If a particular condition causes more than one period of hospitalization due to the same or related causes, then the
maximum benefit (three hundred and sixty-five (365) days in a hospital) will be reinstated, provided a period of one
hundred and eighty-three (183) days have elapsed between periods of hospitalization.
The policy does not cover any period of hospitalization caused or contributed by the following exclusions:
1. Suicide or any attempt thereat while sane or self-destruction or any attempt thereat;
2. Declared or undeclared way or any act thereof;
3. Active full-time service in the armed forces of any country;
4. Normal pregnancy or childbirth.
This benefit is subsidized by the NSTU Group Insurance Trust Fund.