What's Not Covered
Benefits are not payable for any loss caused in whole or directly by any of the following:
- Participation or attempt to participate in a felony or being engaged in an illegal occupation.
- An accident while operating a motorized vehicle while legally intoxicated or under the influence of any controlled substance unless administered on the advice of a doctor.
- Suicide, attempted suicide, or any intentionally self-inflicted injury, while sane or insane.
- War or any act of war, whether declared or undeclared (excluding acts of terrorism).
- Loss sustained while on active duty as a member of the armed forces of any nation. The insurance company will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
- Intoxication or being under the influence of any narcotic, unless administered under the advice of a doctor.
- Riding in or driving any motor-driven vehicle in a race, stunt show, or speed test.
- Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded.
- Engaging in hang-gliding, bungee jumping, parachuting, sailgliding, parasailing, parakiting or kitesurfing.
- Practicing for, or participating in, any semi-professional or professional competitive athletic contests for which any type of compensation or remuneration is received.
- Any sickness