An Eligible Participant is a member of a Group who has submitted an enrollment form, if applicable, and has paid the premium for the insurance. An Eligible Dependent is a person who is the Eligible Participant’s spouse; unmarried natural child, stepchild or legally adopted child who has not yet reached age 19; an unmarried child, of any age, who is incapable of self support due to continuing mental retardation or physical disability and who is chiefly dependent on the Eligible Participant; and an unmarried child, from his/her 19th to 22nd birthday who is a full-time student attending an accredited college, university, vocational or technical school, and who is fully dependent upon the Eligible Participant for support. An Eligible Participant or an Eligible Dependent must also be: (a) a resident of the U.S., (b) under Age 85 and (c) enrolled in a Primary Plan.
Trip Coverage Start Date: The Insured Person’s coverage under this Plan for a trip during the Period of Insurance starts as:
- For a scheduled trip to a Foreign Country, when the Insured Person boards a conveyance at the start of the trip; and
- For any other trip, when the Insured Person is more than 200 miles from his/her Home. Notwithstanding the foregoing, no coverage is in effect for a trip unless the Insured Person is scheduled to spend at least 24 hours away from Home.