1) For pre-existing conditions, defined as: That within a 60 day
period immediately preceding the Insured Person’s effective date there was a
change in prescribed medication;
2) While you are visiting your Home Country.
3) For Injury sustained while participating in a professional,
semi-professional, amateur, club, intramural, interscholastic or intercollegiate
sport.
4) For specific named hazards: motorcycling, scuba diving, jet,
snow, and water skiing, mountain climbing, sky diving, amateur racing, piloting
an aircraft, bungee jumping, spelunking, whitewater rafting, surfing,
parasailing;
For Accidental Death and Dismemberment Indemnity this Plan does not cover any loss caused by or resulting from:
- Intentionally self-inflicted injury;
- Suicide or attempted suicide; while sane or insane;
- War or any act of war; declared or undeclared;
- Service in the military, naval, or air service of any country;
- Illness, disease, pregnancy, childbirth, miscarriage or any bacterial infection other than bacterial infection occurring from an accidental cut or wound;
- Piloting or acting as a crew member or riding in any aircraft; except as a fare paying passenger on a scheduled airline.
- While you are visiting your home country.
Optional Riders
- Home Country Coverage - Provides coverage for eligible medical expenses incurred while an insured person is in their Home Country or Country of Residence. Such coverage is available up to a maximum of 2 months per 12 months of coverage. Coverage shall be pro rated in the event that and insured person's coverage is less than 12 months.
- Hazardous Activity Coverage - motorcycling, scuba diving, jet, snow, and water skiing, mountain climbing, sky diving, amateur racing, piloting an aircraft, bungee jumping, spelunking, whitewater rafting, surfing, and parasailing coverage.
- Athletic Coverage - for participation in amateur, club, interscholastic or intercollegiate tennis, swimming, cross country, track, baseball, softball, volleyball and golf sports only. All other sports excluded. Purchase of this rider will remove Exclusion 5 A) above.
