As used in any policy of sickness and accident insurance delivered, issued for delivery, or used in this state, unless otherwise provided in the policy or in an indorsement thereon or in a rider attached thereto:

(A) “Total disability” means inability to perform the duties of any gainful occupation for which the insured is reasonably fitted by training, experience, and accomplishment.

(B) “Confinement to house” includes the activities of a convalescent not able to be gainfully employed.

(C) “Accidental death” means death by accident exclusively and independently of all other causes.