What Is Not Covered (Premium Comprehensive Travel Plan Policy Exclusions)

The Policy does not cover any loss resulting from any of the following unless otherwise covered under the Policy by Additional Benefits:

1. Suicide, attempted suicide (including drug overdose) self-destruction, attempted self-destruction or intentional self-inflicted Injury while sane or insane;

2. War or any act of war, declared or undeclared, any Terroristic Act;

3. Any Covered Loss which occurs while the Plan Participant is on Active Duty Service in any Armed Forces, National Guard, military, naval or air service or organized reserve corps;

4. Any Covered Loss sustained while in the service of the armed forces of any country. When the Plan Participant enters the armed forces of any country, We will refund the unearned pro rata premium upon request;

5. Voluntary, active participation in a riot or insurrection;

6. Medical expenses resulting from a motor vehicle accident in excess of that which is payable under any other valid and collectible insurance;

7. Medical Treatment related to organ transplants, whether as donor or recipient; this includes expenses incurred for the evaluation process, the transplant surgery, post operative treatment, and expenses incurred in obtaining, storing or transporting a donor organ. In relation to a bone marrow or stem cell transplant this exclusion would include harvesting & mobilization charges;

8. For any Covered Losses resulting from the Plan Participant's intoxication or use of illegal drugs or any drugs or medication that is intentionally not taken in the dosage recommended by the manufacturer or for the purpose prescribed by the Plan Participant's Physician;

9. Commission or attempt to commit an assault or felony, or that occurs while being engaged in an illegal occupation;

10. Eligible Expenses for which the Plan Participant would not be responsible in the absence of the Policy;

11. Treatment of acne;

12. Charges which are in excess of Usual, Reasonable and Customary charges;

13. Charges that are not Medically Necessary;

14. Charges provided at no cost to the Plan Participant;

15. Expenses incurred for treatment while in Your Home Country

16. Expenses incurred for an Accident or Injury or Sickness after the Benefit Period shown in the Schedule of Benefits or incurred after the termination date of coverage;

17. Regular health checkups; routine physical, immunizations or other examination where there are no objective indications or impairment in normal health; unless specifically covered by this Policy

18. Services or treatment rendered by a Physician, Registered Nurse or any other person who is employed or retained by the Policyholder; or an Immediate Family member of the Plan Participant;

19. Duplicate services actually provided by both a certified nurse midwife and Physician;

20. Any Covered Loss paid under Workers’ Compensation, Employer’s liability laws or similar occupational benefits or while engaging in an occupation for monetary gain from sources other than the Policyholder;

21. Benefits for enrolling solely for the purpose of obtaining medical treatment, while on a waiting list for a specific treatment, or while traveling against the advice of a Physician;

22. Aggravation or re-injury of a prior Injury that the Plan Participant suffered prior to his or her coverage Effective Date, unless We receive a written medical release from the Plan Participant’s Physician;

23. Pre-existing conditions; however a Pre-Existing condition will be covered after the Plan Participant has been continuously insured for 12 months under the same Participating Organization;

24. Treatment of a hernia, including sports hernia, whether or not caused by a Covered Accident;

25. Pregnancy or childbirth, except when conception occurs while covered under this Policy.

26. Drug, treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, treatment for infertility or impotence, sterilization or reversal thereof , or abortion limited to $250-750;

27. Charges incurred for Surgery or treatments which are, Experimental/Investigational, or for research purposes;

28. Expense incurred for treatment of temporomandibular joint (TMJ) disorders or craniomandibular joint dysfunction and associated myofacial pain;

29. Dental care or treatment other than care of sound, natural teeth and gums required on account of Injury resulting from an Accident or emergency pain relief treatment to natural teeth while the Plan Participant is covered under the Policy, and rendered within 6 months of the Accident; unless specifically covered by this Policy

30. Eyeglasses, contact lenses, hearing aids braces, appliances, or examinations or prescriptions therefore; unless specifically covered by this Policy

31. Weak, strained or flat feet, corns, calluses, or toenails;

32. Private-duty nursing services;

33. The cost of the Plan Participant’s unused airline ticket for the transportation back to the Plan Participant’s Home Country, where an Emergency Medical Evacuation or Repatriation and/or Return of Mortal Remains benefit is provided;

34. Expenses payable under any prior policy which was in force for the person making the claim

35. Expenses incurred during a Hospital emergency room visit which is not of an emergency nature

36. For the cost of a one way airplane ticket used in the transportation back to the Insured's country where an air ambulance benefit is provided and medically necessary;

37. Treatment paid for or furnished under any other individual or group policy, or other service or medical prepayment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for the treatment without cost to any individual;

38. Travel in or upon:
(a) A snowmobile;
(b) A water jet ski
(c) Any two or three wheeled motor vehicle;
(d) Any off-road motorized vehicle not requiring licensing as a motor vehicle;
when used for recreation or competition.

39. Injury sustained while taking part in: mountaineering; hang gliding; parachuting; bungee jumping; racing by horse, motor vehicle or motorcycle; snowmobiling; motorcycle/motor scooter riding; scuba diving, involving underwater breathing apparatus, unless PADI or NAUI certified; scuba diving, involving underwater breathing apparatus; solo diving snorkeling; water skiing; snow skiing; spelunking; parasailing; white water rafting; surfing, unless part of a school credit course; and snow boarding.

40. Practice or play in any amateur, club, intramural, interscholastic, intercollegiate, professional or semi-professional sports contest or competition; Unless the Hazardous Activity Benefit is purchased

41. Rest cures or custodial care;

42. Weight reduction programs or surgical treatment of obesity

43. Treatment of venereal disease

44. Elective or Cosmetic surgery and Elective Treatment or treatment for congenital anomalies (except as specifically provided), except for reconstructive surgery on a diseased or injured part of the body (Correction of a deviated nasal septum is considered cosmetic surgery unless it results from a covered Injury or Sickness);

45. Services rendered for detection and correction by manual or mechanical means (including x-rays incidental thereto) of structural imbalance, distortion or subluxation in the human body for purposes of removing nerve interference where such interference is the result of or related to distortion, misalignment or subluxation of or in the vertebral column.

46. Travel or flight in or on any vehicle for aerial navigation, including boarding or alighting from:
a) While riding as a passenger in any Aircraft not intended or licensed for the transportation of passengers; or
b) While being used for any test or experimental purpose; or
c) While piloting, operating, learning to operate or serving as a member of the crew thereof; or
d) while traveling in any such Aircraft or device which is owned or leased by or on behalf of the Policyholder of any subsidiary or affiliate of the Policyholder, or by the Plan Participant or any member of his household.
e) A space craft or any craft designed for navigation above or beyond the earth's atmosphere; or
f) An ultra light, hang-gliding, parachuting or bungi-cord jumping;
Except as a fare paying passenger on a regularly scheduled commercial airline or as a passenger in a non-scheduled, private aircraft used for business or pleasure purposes.

47. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.

48. Plan Participant being exposed to the Utilisation of nuclear, chemical or biological weapons of mass destruction.

49. Treatment of HIV infection, HIV related illness and AIDS (acquired immune deficiency synderome in excess of a lifetime maximum of $7,500;