Occupational Hepatitis B or C 100% * A sudden cardiac arrest is not in itself considered a heart attack. ** Major organ transplant means the irreversible failure of your heart, lung, pancreas, entire kidney or liver, or any combination thereof, determined by a physician specialized in care of the involved organ. *** Diagnosis of a severe infectious disease by a Doctor, including COVID-19, when a diagnosis occurs on or after the group’s coverage effective date; AND Confinement to a Hospital for 5 or more consecutive days, or in a transitional facility for 5 or more consecutive days. Benefits for insured children In addition to the covered conditions mentioned above, coverage for your insured children includes: Covered Condition % of Benefit Cerebral palsy 100% Congenital birth defects 100% Cystic fibrosis 100% Down syndrome 100% Gaucher disease, type II or III 100% Infantile Tay-Sachs 100% Niemann-Pick disease 100% Pompe disease 100% Sickle cell anemia 100% Type 1 diabetes 100% Type IV glycogen storage disease 100% Zellweger syndrome 100% Multiple benefit payments You can receive a lump–sum benefit payment (up to 100% of the benefit amount associated with that condition) for each covered condition. The number of times a benefit is payable for each covered condition is unlimited. Additional details are provided in the certificate of coverage.