New Hampshire Code of Administrative Rules
Ins - Commissioner, Insurance Department
Chapter Ins 4700 - TRAVEL INSURANCE
Part Ins 4702 - INDIVIDUAL ACCIDENT AND HEALTH TRAVEL INSURANCE
Section Ins 4702.03 - Definitions

(a) "Accident" means any unforeseen or unplanned event or circumstance that results in injury and associated financial loss. The term includes "accidental;"

(b) "Covered person" means an individual that is covered under an individual accident and health travel insurance policy. The term includes "covered individual;"

(c) "Description of coverage" means a document that provides a brief description of the insurance coverage available under the policy and is issued to an individual covered under an individual accident and health travel insurance policy;

(d) "Emergency" means health care or dental services that are provided to a covered individual after the sudden onset of a medical condition that manifests itself by symptoms of sufficient severity that the absence of immediate medical attention could be expected to result in any of the following:

(e) "Individual accident and health travel insurance" means coverage providing for a loss incurred incidental to planned travel away from home or business, not exceeding 12 months in duration, for either or both accidental loss of life and limb, and financial loss for medical care or dental treatment. Individual accident and health travel insurance does not include personal inland marine travel insurance coverage except as permitted in this part;

(f) "Personal inland marine travel insurance" means coverage for financial loss due to trip cancellation or trip interruption, property damage in connection with such planned travel, or other similar financial loss that occurs incidental to planned travel away from home or business;

(g) "Policyholder" means the individual in whose name the policy is issued and held; and

(h) "Sickness" means any affliction of the body which deprives it temporarily of the power to fulfill its usual functions.