This excerpt taken from the OME 8-K filed May 29, 2007.
ACCIDENT or ACCIDENTAL refers to an event or Occurrence that was not reasonably foreseeable, or that could not have been reasonably expected or anticipated.
AIRCRAFT means any device used for aerial navigation, including but not limited to, airplanes, helicopters, balloons, gliders, parachutes, hang gliders and parasails.
LOSS OF A MEMBER means Loss of Hand or Foot, or Loss of an Eye.
LOSS OF HAND OR FOOT means complete severance through or above the wrist or ankle joint. (In South Carolina, Loss of Hand can also mean the loss of four whole fingers from one hand.)
LOSS OF AN EYE means total and irrevocable loss of sight in that eye.
LOSS OF THUMB AND INDEX FINGER means severance of the thumb and index finger of the same hand, through or above the joint closest to the wrist. (In California, it can also mean loss by complete severance of at least one whole phalanx of each.)