<p>IT IS HEREBY DECLARED and AGREED that the Policy is extended to cover PREMISES MEDICAL PAYMENTS, subject to the following terms and conditions:</p>

<p>INSURING AGREEMENT</p>

<p>The Company will pay to or for each person, who sustains bodily injury caused by accidents, all reasonable medical expenses incurred within 1 year from the date of accident on account of such bodily injury provided such bodily injury arises out of:<br />
&nbsp;&nbsp; &nbsp;a. &nbsp;&nbsp; &nbsp;conditions in the insured premises<br />
&nbsp;&nbsp; &nbsp;b. &nbsp;&nbsp; &nbsp;operation with respect to which the named Insured is afforded coverage for Bodily Injury Liability under the Policy.<br />
&nbsp;&nbsp; &nbsp;c. &nbsp;&nbsp; &nbsp;the ownership, maintenance, operation, use, loading or unloading of any elevator/escalator.&nbsp;</p>

<p>LIMITS OF LIABILITY</p>

<p>The liability of the Company for all Medical Payments under this Endorsement shall not exceed the following limits:</p>

<p>AS PER POLICY SCHEDULE</p>

<p>EXCEPTIONS PARTICULAR TO PREMISES MEDICAL PAYMENTS&nbsp;<br />
The Company shall not be liable for claims in respect of:</p>

<p>1.&nbsp;&nbsp; &nbsp;Bodily Injury arising out of the ownership, maintenance, operation, use, loading or unloading of:<br />
&nbsp;&nbsp; &nbsp;a. &nbsp;&nbsp; &nbsp;any automobile or aircraft owned or operated by or rented or loaned to the named Insured, or<br />
&nbsp;&nbsp; &nbsp;b. &nbsp;&nbsp; &nbsp;any other automobile or aircraft owned or operated by any person in the course of his employment by the Insured;<br />
but this exception 1 does not apply to the parking of an automobile on the Insured premises, if such automobile is not owned by or rented or loaned to the named Insured.<br />
2.&nbsp;&nbsp; &nbsp;Bodily Injury arising out of the ownership, maintenance, operation, use, loading or unloading of any watercraft, if the bodily injury occurs away from the insured premises.<br />
3.&nbsp;&nbsp; &nbsp;Bodily Injury arising out of and in the course of the transportation of mobile equipment by an automobile owned or operated by or rented or loaned to the named Insured.<br />
4.&nbsp;&nbsp; &nbsp;Bodily Injury included within the completed operations hazard or the product hazard.<br />
5.&nbsp;&nbsp; &nbsp;Bodily Injury arising out of operations performed for the named Insured by independent contractors other than<br />
&nbsp;&nbsp; &nbsp;a. &nbsp;&nbsp; &nbsp;maintenance and repair of the Insured premises or<br />
&nbsp;&nbsp; &nbsp;b. &nbsp;&nbsp; &nbsp;structural alterations at such premises which do not involve changing the size or moving building or other structures.<br />
6.&nbsp;&nbsp; &nbsp;Bodily Injury resulting from the selling, serving or giving of any alcoholic beverage<br />
&nbsp;&nbsp; &nbsp;a. &nbsp;&nbsp; &nbsp;in violation of any statute, ordinance or regulations<br />
&nbsp;&nbsp; &nbsp;b. &nbsp;&nbsp; &nbsp;to a minor<br />
&nbsp;&nbsp; &nbsp;c. &nbsp;&nbsp; &nbsp;to a person under the influence of alcohol or<br />
&nbsp;&nbsp; &nbsp;d. &nbsp;&nbsp; &nbsp;which causes or contributes to the intoxication of any person, but this Exception 6 applies only if the named Insured is a person or organization engaged in the business of manufacturing distributing, selling or serving alcoholic beverages or is an owner or lessor of premises used for such purposes.<br />
7. &nbsp;&nbsp; &nbsp;Bodily Injury due to war, whether or not declared, civil war, insurrection, rebellion, revolution or terrorist action, or to any act or condition incident to any of the foregoing.<br />
8.&nbsp;&nbsp; &nbsp;Bodily Injury to the named Insured, any partner therein, any tenant or other person residing on the insured premises or any employee of any of the foregoing if the bodily injury arises out of and in the course of his employment therewith.<br />
9.&nbsp;&nbsp; &nbsp;Bodily Injury to any other tenant if the bodily injury occurs on that part of the insured premises rented from the named insured or to any employee of such a tenant if the bodily injury occurs on the tenant&#39;s part of the insured premises and arises out of and in the course of his employment for the tenant.<br />
10. &nbsp;&nbsp; &nbsp;Bodily Injury to any person if any benefits for such bodily injury are payable or required to be provided under any workmen&#39;s compensation or disability benefits law, or under similar law.<br />
11. &nbsp;&nbsp; &nbsp;Bodily Injury to any person practicing, instructing or participating in any physical training sport, athletic activity or contest unless specifically covered under this Endorsement.<br />
12. &nbsp;&nbsp; &nbsp;Medical Expense for services by the name Insured, any employee thereof or any person or organization under contract to the named Insured to provide such services.</p>

<p>ADDITIONAL DEFINITIONS:<br />
When used in reference to this Endorsement:</p>

<p>&quot;INSURED PREMISES&quot; means all premises owned by or rented to the named Insured with respect to which the named Insured is afforded coverage for Bodily Injury liability under the POLICY, and includes the ways immediately adjoining on land.<br />
&quot;MEDICAL EXPENSE&quot; means expenses for necessary medical, surgical, X-ray and dental services, including prosthetic devices, and necessary ambulance, hospital, professional nursing and funeral services.</p>

<p>ADDITIONAL CONDITION:</p>

<p>Medical Reports, Proof and Payment of Claim</p>

<p>As soon as practicable, the injured person or someone on his behalf shall give the Company written proof of claim, under oath if required, and shall, after each request from the Company, execute authorization to enable the Company to obtain medical reports and copies of records. The injured person shall submit to physical examination by physicians selected by the Company when and as often as the Company may reasonably require. The Company may pay the injured person or any person or organization rendering the services and the payment shall reduce the amount payable under this Endorsement for such injury. Payment hereunder shall not constitute an admission of liability of any person or, except hereunder, of the Company.</p>

<p>Nothing herein contained shall be held to vary, alter, waive or extend any of the Definitions, Conditions, Declarations, Exclusions, Limitations or Terms of the Policy except as herein above set forth.<br />
&nbsp;</p>
