Then we will consider the later confinement to be the result of a new accident. If the insured person's injuries result in any of the losses listed below, we will pay the benefit shown for that loss. The loss must result within 365 days after the accident happens. The benefit we will pay for each loss is based on the full amount of insurance shown in the Schedule above. The Full Amount Loss of a hand or foot means severance at or above the wrist or ankle joint.
Loss of sight means total and irrecoverable loss of sight.
Loss of thumb and index finger means severance through or above the metacarpophalangeal joint. If insured person suffers more than one loss from any one accident, we will pay only the larger amount. Losses resulting from injuries that happen in separate accidents will not be combined for the purpose of paying benefit. An insured person or his or her beneficiary must give us written notice of claim within 60 days after any loss covered by this policy occurs or begins. If the injured person can't give notice during that time, he or she must do so as soon as reasonably possible.