As used in this act:
a. "Group policy" means a group contract or individual group certificate delivered or issued for delivery by a hospital service corporation, medical service corporation or similar corporation or organization.
b. "Insurer" means the entity issuing a group contract or an individual group certificate.
c. "Insurance" , "Insurers" and "Insured" refer to coverage under a group contract or individual group certificate on a premium-paying basis.
d. "Premium" includes any premium or other consideration payable for coverage under a group contract or individual group certificate.
e. "Medicare" means Title XVIII of the United States Social Security Act as amended or superseded.
f. "Total disability of an employee or member" exists only while the employee or member (1) is not engaged in any gainful occupation, and (2) is completely unable, due to sickness or injury or both, to engage in any and every gainful occupation for which the person is reasonably fitted by education, training, or experience.