Exclusions

PRE-EXISTING CONDITIONS PROVISIONS FOR MEDICAL CARE BENEFITS
Coverage is not provided for loss due to a pre-existing condition for 12 months from the effective date of the Covered Person’s insurance. Pre-existing condition means: (a) the existence of symptoms which would cause an ordinarily prudent person to seek diagnosis, care or treatment within a one year period preceding the effective date of the Covered Person’s insurance; or (b) a condition for which medical advice or treatment was recommended by a Doctor or received from a Doctor within a one year period preceding the effective date of the Covered Person’s insurance.

GENERAL EXCLUSIONS
No coverage shall be provided under the Policy and no payment shall be made for any loss resulting in whole or in part from, or contributed to by, or as a natural and probable consequence of any of the following excluded risks:

1. suicide or any attempt at suicide or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury or autoeroticism.
2. sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from any of these.
3. the Insured's commission of or attempt to commit a crime.
4. infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine poisoning, accidental ingestion of contaminated substances or an accidental cut or wound independent and in the absence of any underlying sickness, disease or condition including but not limited to diabetes.
   
5. declared or undeclared war, or any act of declared or undeclared war, except if specifically provided by the Policy.
   
6. participation in any team sport or any other athletic activity, except participation in a Covered Activity.
   
7. full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority. (Unearned premium for any period for which the Insured is not covered due to his or her active duty status will be refunded) (Loss caused while on short-tem National Guard or reserve duty for regularly scheduled training purposes is not excluded).
   
8. travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Insured is: a.) riding as a passenger in any aircraft not intended or licensed for the transportation of passengers; b.) performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or, c.) riding as a passenger in an aircraft owned, leased or operated by the Policyholder or the Insured’s employer.
   
9. the Insured being under the influence of intoxicants.
   
10. the Insured being under the influence of drugs unless taken under the advice of and as specified by a Physician.
    
11. the medical or surgical treatment of sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from the treatment.
    
12. stroke or cerebrovascular accident or event; cardiovascular accident or event; myocardial infarction or heart attack; coronary thrombosis; aneurysm.
    
13. any condition for which the Insured is entitled to benefits under any Workers’ compensation Act or similar law.
    
14. the Insured riding in or driving any type of motor vehicle as part of a speed contest or scheduled race, including testing such vehicle on a track, speedway or proving ground.
    
15. any loss incurred while outside the United States, its Territories or Canada.
    

This package of benefits is not a substitute for comprehensive health insurance.