Camp - means the camp the Camper has enrolled in and is scheduled to attend or is currently attending.

Camper - means a person: (1) who enrolls in Camp for a specified Camp Session, provided he or she enrolls in this plan during the 30-day period immediately following the date the initial deposit is paid for the Camp Session; (2) for whom premium for the insurance has been paid; and (3) while covered under the Policy.

Camp Session - means the consecutive period of time for which the Camper has enrolled as specified on the camp application and for which premium for the insurance has been paid.

Complications of Pregnancy - means conditions requiring Hospital stays (when the pregnancy is not terminated) whose diagnoses are distinct from pregnancy but are adversely affected by pregnancy or are caused by pregnancy. These conditions include acute nephritis, nephrosis, cardiac decompensation, missed abortion and similar medical and surgical conditions of comparable severity. Complications of Pregnancy also include nonelective caesarian section, ectopic pregnancy which is terminated and spontaneous termination of pregnancy, which occurs during a period of gestation in which a viable birth is not possible.

Complications of Pregnancy do not include false labor, occasional spotting, physician-prescribed rest during the period of pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar conditions associated with the management of a difficult pregnancy not constituting a nosologically distinct complication of pregnancy.

Hospital - means a place that: (a) holds a valid license (if required by law); (b) operates primarily for the care and treatment of sick or injured persons; (c) has a staff of one or more physicians available at all times; (d) provides 24 hour nursing service and has at least one registered professional nurse on duty at all times; (e) has organized diagnostic and surgical facilities, either on premises or in facilities available to the hospital on a pre-arranged basis; and (f) is not, except incidentally, a clinic, nursing home, rest home, or convalescent home for the aged, or similar institution.

Immediate Family Member - means a person who is related to the Camper in any of the following ways: spouse, brother-in-law, sister-in-law, son-in-law, daughter-in-law, mother-in-law, father-in-law, parent (includes stepparent or guardian), brother or sister (includes stepbrother or stepsister), or child (includes legally adopted or stepchild).

Injury **- means bodily injury: (a) which is sustained as a direct result of an unintended, unanticipated accident that is external to the body and that occurs while the policy is in force as to the Camper, and (b) which directly (independent of sickness, disease, mental infirmity, bodily infirmity or any other cause) causes a covered loss.

Medically Necessary - means: (a) consistent with the symptoms, diagnosis and treatment of the Camper's condition; (b) appropriate with regard to standards of good medical practice; and (c) not primarily for the convenience of the Camper.

Physician - means a licensed practitioner of the healing arts acting within the scope of his or her license who is not (a) the Camper; (b) the Camper's spouse; (c) an employee or consultant of the Camp, or (d) a person who is related to the Camper by blood or marriage.

Pre-existing Condition - means a sickness, disease, or other condition of the Camper or an Immediate Family Member of the Camper that, in the 90-day period before the Camper's coverage began; (a) first manifested itself, worsened, became acute or exhibited symptoms which would have caused an ordinarily prudent person to seek diagnosis, care or treatment; (b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or (c) was treated by a Physician or treatment had been recommended by a Physician.

Sickness - means an illness or disease which requires treatment by a Physician.

**In IL, NH, UT, and VT: Injury - means bodily injury: (a) which is sustained as a direct result of an unintended, unanticipated accident that occurs while this policy is in force as to the Camper, and (b) which directly (independent of sickness, disease, mental infirmity, bodily infirmity or any other cause) causes a covered loss.