EXCLUSIONS
Please see the Master Policy or your evidence of insurance coverage for individual state details.
This insurance does not cover:
1) services provided by: (a) any College or
University Student Health Service; or (b) by any person employed or retained by such school;
2) any Accident resulting from: skydiving; parachuting; hang gliding; glider
flying; sail planing and similar methods of air travel; flight in any kind of aircraft, except while riding as a passenger on a regularly scheduled commercial airline flight; or the Insured operating a motor vehicle while not properly licensed to do so in any of the United States or the District of Columbia;
3) Loss caused by war or any act of war; or while in the armed forces of any country;
4) participation in a Riot or a felony;
5) intentionally self-inflicted injuries;
6) any expense payable under any Worker’s Compensation; Occupational Disease Law; or similar legislation;
7) treatment in a Federal Hospital, unless the Insured would be legally required to pay for such treatment;
8) preventive medicines or vaccines, except antitoxins for an Accident. Preventive medicines or vaccines include immunizations required for school admissions;
9) Elective Treatment or Elective Surgery, except for necessary cosmetic surgery due to an Accident or Reconstructive Breast Surgery
as provided by the Breast Reconstruction Benefits;
10) dental x-rays and dental treatment except for treatment of accidental injury to Sound Natural Teeth;
11) charges for hearing aids, and similar appliances;
12) charges for eyeglasses; contact lenses; eye examinations for the correction of vision or fitting of eyeglasses or contact lenses; vision therapy; or surgical correction of refractive errors;
13) Accident sustained while: (a) participating in any interscholastic, professional or semi-professional sport, or contest; (b) traveling to or from such sport or contest as a participant; or (c) while participating in any practice or conditioning program for such sport or contest;
14) treatment of alcoholism, drug abuse or chemical dependency, except in
Nevada.
15) Pre-Existing Conditions;
16) Out-Patient Prescription Drugs;
17) Experimental Treatment;
18) treatment in your Home Country or country of regular domicile, if other than the United States;
19) personal convenience items while Hospital Confined;
20) elective abortions;
21) durable medical equipment, except as may be specifically covered under
certain provisions of the Policy.