Coverage M. Medical Payments to Others, does not apply to "bodily injury:"
Coverage M. Medical Payments to Others................................................................................. 3
Coverage M. 2. Loss of Customers’ or Members’ Property Loss of customers’ or members’ Property, except Money (unless Money is stated as being included in Insuring Agreement M.2. in ITEM 5 of the Declarations), while in customers' or members’ safe deposit boxes in vaults on the premises of the Insured, by burglary or robbery or attempt thereat or for damage to or destruction of such items, provided such loss is included in the Insured's proof of loss. Customer or member Property described in Insuring Agreement M.2. is covered while stored in such vaults by or for customers or members, or temporarily elsewhere on the premises of the Insured, and in the course of deposit in, or removal from, such boxes or vaults. Such Property may be owned by customers or members or held by them in any capacity, whether or not the customers are liable to others for loss thereof.
Coverage M. Medical Payments To Others We will pay the necessary medical expenses that are incurred or medically ascertained within three years from the date of an “accident” causing “bodily injury.” Medical expenses means reasonable charges for medical, surgical, x- ray, dental, ambulance, hospital, professional nursing, prosthetic devices and funeral services. This coverage does not apply to you or regular residents of your household except “residence employees.” As to others, this coverage applies only:
