For the Medical Expense, Emergency Medical Evacuation and Repatriation of Remains benefits, no benefit shall be payable with respect to expenses incurred:

1. Pre-Existing Conditions, defined as: That within a three-year period immediately preceding the Insured Person's effective date: a) there was the existence of symptoms, whether or not a diagnosis has been made, which would cause an ordinarily prudent person to have an examination or to seek diagnosis, care or treatment, or b) there was a condition, illness or injury for which an examination or diagnostic test was done, or for which medical advice or treatment was recommended by or received from a physician;
2. For services, supplies, or treatment; including hospital confinement, which were not recommended, approved and certified as necessary and reasonable by a physician; or expenses which are non-medical in nature;
3. For suicide or attempted suicide: while sane or insane;
4. For loss incurred as a result of declared or undeclared war; or any act thereof;
5. A) For injury sustained while participating in an amateur, club, intramural, interscholastic or intercollegiate sport;
   B) For injury sustained while participating in a professional or semi-professional sport;
6. For loss incurred as a result of pregnancy, childbirth, or miscarriage, or complications thereof;
7. For miscarriage resulting from an accident;
8. For routine physicals;
9. For cosmetic or plastic surgery; except as the result of an accident;
10. For elective surgery;
11. For any mental and nervous disorder or rest cures;
12. For dental care; except as the result of injury to natural teeth caused by an accident;
13. For eye refractions or eye examinations for the purpose of prescribing corrective lenses or for the fitting thereof; unless caused by accidental bodily injury incurred while insured hereunder;
14. In connection with alcoholism or drug addiction; or the use of any drug or narcotic except as prescribed by a physician;
15. For expenses as a result of or in connection with intentionally self inflicted injury;
16. For expenses as a result of or in connection with the commission of a felony offense;
17. 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;
18. For treatment furnished under any other individual or group Policy, or other service or medical pre-payment plan to the extent so furnished; or under any government program or facility set up for treatment without cost to any individual;
19. For treatment by a family member;
20. For treatment relating to birth defects and congenital conditions; or complications arising from those conditions.
21. For treatment of sexually transmitted diseases; immune system disorders including, but not limited to AIDS, ARC, or tested positive for the HIV Virus;
22. For any injury or illness that occurs while the insured has been determined to be legally intoxicated, or under the influence of any narcotic, barbiturate, or hallucinatory drug, unless administered by a physician and taken in accordance with the prescribed dosage.

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.

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.