<p>DEFINITIONS OF TERMS</p>

<p>ASSURED: The unqualified word ASSURED includes:<br />
&nbsp;a) The name insured,<br />
&nbsp;b) If residents of this household, his/her spouse, his/her children,<br />
&nbsp;c) His/Her residence employee as defined here.<br />
&nbsp; If the named ASSURED shall die, Personal Accident of this policy shall cover the named ASSURED&#39;s spouse, if a resident of the same householdat the time of such death and legal representative as named ASSURED&#39;s. If legal representative of the named ASSURED, Hospitalization Insurance of this policy shall apply to such legal representative only with respect to the premisesof the original named ASSURED. Personal Accident of this policy shall also cover as ASSURED, while resident of said premises, any person who was an ASSURED at the time of such death.</p>

<p>PREMISES: The unqualified word &quot;premises&quot; means:<br />
&nbsp;a) All premises where the named ASSURED or his spouse maintains a residence and includes private approaches thereto and other premises and private approaches thereto for use in connection with said residence except business property and farms,<br />
&nbsp;b) Individual of family cemetery plots burial vaults<br />
&nbsp;c) Premises in which the ASSURED is temporarily residing , if not owned by the ASSURED<br />
&nbsp;d) Vacant land, other than farmland, owned by or rented to the ASSURED, but land shall not be deemed vacant following the commencement of any construction operationd thereon unless such operations are being performed solely by independent contractors in connection with the construction of a one or two family dwelling for the ASSURED.</p>

<p>EMPLOYEE means an employee of the INSURED whose duties are incidental to the ownership, maintenance or use of the automobiles or teams, or who performs elsewhere duties of a similar nature in connection with an insured business.</p>

<p>INJURY: Wherever used in this policy means bodily injury caused by an accident occurring while this policy is in force as to the person whose injury is the basis claim and resulting directly and independently of all other causes in loss covered by thus policy.</p>

<p>SICKNESS: Wherever used in this policy means illness or disease which causes loss covered by the policy, contracted and commencing after the effective date of the policy as to the person whose illness or disease is the basis of claim.</p>

<p>HOSPITAL: Wherever used in this policy means an establishment, which meets all of the following requirements:<br />
&nbsp;1. Holds a license as a hospital;<br />
&nbsp;2. Operates primarily for the reception, care and treatment of sick, ailing or injured persons as in-patients;<br />
&nbsp;3. Provide 24-hours-a-day nursing service by registered or graduate nurses;<br />
&nbsp;4. Has a staff of one or more licensed physicians available at all times;<br />
&nbsp;5. Provides organized facilities for diagnosis and major surgical facilities;<br />
&nbsp;6. Maintains at least six (6) beds installed for 24-hour use by patients; and<br />
&nbsp;7. Is not a primary a clinic, nursing, rest or convalescent home or similar establishment and is not other than incedentally, a place for alcoholic or drug addicts.</p>

<p>BUSINESS PROPERTY includes:<br />
&nbsp;a) Property on which a business is conducted, and<br />
&nbsp;b) Property rented in whole or in part to others or held for such rental by the ASSURED other than<br />
&nbsp; &nbsp;1. The Insureds residence if rented occasionlly or if spaces or stall are so rented or held or<br />
&nbsp; &nbsp;2. Premises described in (d) of the preceding paragraph.</p>

<p>BUSINESS: Business includes trade, profession, or occupation.</p>

<p>RESIDENCE EMPLOYEE means an employee of the ASSURED whose duties are incidental to the ownership, maintenance or use of the premises. including the maintenance or the use of the automobiles or teams, or who performs elsewhere duties of a similar nature not in connection with an Insured&#39;s business.</p>

<p>TYPHOON: As used in Property Insurance shall be understood to mean a Typhoon or Storm as recorded by the Weather Bureau.<br />
FLOOD is defined as the entry of water into the premises insured, from without, due to the inundation of land not usually covered by water, (a) by reason of an extraordinary high tide or (b) following Typhoon, Cyclone, and/or Windstorm or (c) the bursting overflowing of rivers, reservoirs, canals, and the like.<br />
ROBBERY: As used in Section I shall mean robbery as define in Article 293 of the Revised Penal Code of the Philippines, Act No. 3815.</p>

<p>PRIVATE DWELLING is a building or that part of the building where the ASSURED and his family maintain residence.</p>
