| 100% | Charges for room and board in a hospital up to the hospital's semi- private rate excluding hospital charges referred to as coinsurance charges or user fees (including, where permitted by law, any admittance charges). |
| 80% | For use of a licensed ambulance for local transportation of the person to the nearest hospital qualified to render the necessary medical services. For use of a licensed air ambulance for transportation of the person to the nearest hospital |
Read what exclusions apply to this coverage.