Injuries means bodily injury caused by an accident that results in loss, directly and independently of all other causes. The injury must begin while the insured person is covered by this insurance. All injuries sustained in any one accident are considered to be one injury. If a psychiatrist prescribes medication for your, your initial visit to the psychiatrist is treated just like any other doctor's visit. Sickness means sickness which results in loss covered by this insurance for eligible expenses incurred while this insurance is in force and for which benefits are not payable under a previous policy issued to Caltech.
Term refers to the academic semester.
Expenses incurred must be medically necessary. Covered expenses must be customarily charged in the geographic area where incurred. Expenses are for medical treatment of injuries or illness, which occurred during the policy term. For our patient treatment, benefits for eligible covered expenses will be paid for up to 56 visits each policy year. Med check visits are limited to 15 visits per policy year.