Definitions For The Purpose Of This Plan

Hospital:  To be recognized as a Hospital for insurance purposes, an institution must keep patients regularly overnight, have full therapeutic facilities for the care of the injured, sick or chronically ill and be continuously staffed by licensed Physicians, who are Physicians of medicine, and by registered graduate nurses.  Such institution must have facilities both for diagnosis and for major surgery.

The term Hospital, as used in this policy, shall not include a rest home, nursing home, convalescent home, health spa, a place for custodial care, a home for the aged or an institution used primarily for the confinement or treatment of alcoholism or drug addiction, tuberculosis or mental illness.
 
Physician:  The term Physician means a person who is duly licensed to prescribe and administer any drug and to perform surgical procedures.  
 
Other Health Practitioner:  Other Health Practitioners shall mean any of the following licensed, certified or registered health practitioners practicing within the scope of his or her profession: Chiropractor, Naturopath, Osteopath, Denturist, Optometrist, Podiatrist/Chiropodist, Physiotherapist, Massage Therapist, Speech Therapist, or Psychologist.  A Psychologist is considered licensed if certified or registered by the jurisdiction in which he or she practices.
 
Non-Occupational:  With respect to injury, shall mean an injury that does not arise in the course of any employment for wage or profit.  With respect to disease, Non-Occupational shall mean a disease where a person is not entitled to receive benefits under any Workplace Safety & Insurance Law or similar legislation.
 
Retirement:   The date you commence collecting a pension benefit under any Pension Plan.