No Benefit shall be payable for Accident Medical, Sickness Medical, Mental Illness, Alcohol and Drug Abuse, Dental, Emergency Medical Evacuation/Repatriation, Return of Mortal Remains, and Emergency Medical Reunion, as the result of:

1. Any Pre-existing Condition as defined hereunder. This exclusion does not apply to Emergency Evacuation/ Repatriation or Return of Mortal Remains.
2. Injury or Illness which is not presented to the Company for payment within 3 months of receiving Treatment;
3. Charges for Treatment which is not Medically Necessary;
4. Charges provided at no cost to you;
5. Charges for Treatment which exceed Reasonable and Customary charges;
6. Charges incurred for Surgery or Treatments which are, Experimental/Investigational, or for research purposes;
7. Services, supplies or Treatment, including any period of hospital confinement, which were not recommended, approved and certified as Medically Necessary and reasonable by a Physician;
8. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:
• War, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.
• Mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power.
• Acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the Government de jure or de facto or to the influencing of it by terrorism or violence.
• Martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”).
  Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Plan shall not be liable for except to the extent that you prove that such consequence happened independently of the existence of such abnormal conditions.
9. Injury sustained while participating in professional athletics;
10. Routine physicals, immunizations or other examinations where there are no objective indications or impairment in normal health, and laboratory diagnostic or x-ray examinations, except in the course of a Disablement established by a prior call or attendance of a Physician;
11. Treatment of the Temporomandibular joint;
12. Vocational, speech, recreational or music therapy;
13. Services or supplies performed or provided by a Relative of yours, or anyone who lives with you;
14. Cosmetic or plastic Surgery, except as the result of a covered Accident; for the purpose of this Plan, Treatment of a deviated nasal septum shall be considered a cosmetic condition;
15. Elective Surgery which can be postponed until you return to your Home Country, where the objective of the trip is to seek medical advice, Treatment or Surgery;
16. Treatment and the provision of false teeth or dentures, normal ear tests and the provision of hearing aids;
17. Eye refractions or eye examinations for the purpose of prescribing corrective lenses for eyeglasses or for the fitting thereof, unless caused by Accidental bodily Injury incurred while covered hereunder;
18. Treatment in connection with alcoholism and drug addiction, or use of any drug or narcotic agent, unless otherwise covered under this policy;
19. Injury sustained while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor or drugs other than drugs taken in accordance with Treatment prescribed and directed by a Physician for a condition which is covered hereunder, but not for the Treatment of drug addiction;
20. Any Mental and Nervous disorders or rest cures, unless otherwise covered under this policy;
21. Congenital abnormalities and conditions arising out of or resulting there from;
22. Expenses which are non-medical in nature;
23. Expenses as a result of, or in connection with, intentionally self-inflicted Injury or Illness;
24. Expenses as a result of, or in connection with, the commission of a felony offense;
25. Injury sustained while taking part in mountaineering where ropes or guides are normally used; 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, snorkeling, water skiing, snow skiing, spelunking, parasailing and snow boarding;
26. Treatment paid for or furnished under any other individual or group policy or other service or medical pre-payment plan arranged through the employer to the extent so furnished or paid, or under any mandatory government program or facility set up for Treatment without any cost to you;
27. Dental care, except as the result of Injury to natural teeth caused by Accident, unless otherwise covered under this Plan;
28. Routine Dental Treatment;
29. For Pregnancy or Illness resulting from Pregnancy, childbirth, or miscarriage, unless otherwise covered under this Plan;
30. Drug, Treatment or procedure that either promotes or prevents conception, or prevents childbirth, including but not limited to: artificial insemination, Treatment for infertility or impotency, sterilization or reversal thereof;
31. Treatment for human organ tissue transplants and their related Treatment;
32. Expenses incurred while in your Home Country, except as provided under the Home Country Coverage and Home Country Extension of Benefits Coverage;
33. Expenses incurred during a hospital emergency visit which is not of an emergency nature;
34. Injury sustained as the result of the Insured Person operating a motor vehicle while not properly licensed to do so in the jurisdiction in which the motor vehicle accident takes place;
35. Covered Expenses incurred for which the Trip to the Host Country was undertaken to seek medical Treatment for a condition;
36. Covered Expenses incurred during a Trip after your Physician has limited or restricted travel;
37. Sex change operations, or for Treatment of sexual dysfunction or sexual inadequacy;
38. Weight reduction programs or the surgical Treatment of obesity.
39. Suicide or any attempts thereof, while sane or self destruction or any attempt thereof while insane
    
    

Accidental Death & Dismemberment Exclusions
No Benefit shall be payable for Accidental Death and Dismemberment as the result of:

1. Disease of any kind; Bacterial infections, except pyogenic infection, which shall occur through an accidental cut or wound;
2. Hernia of any kind;
3. Injury sustained while you are riding as a pilot, student pilot, operator or crew member, in or on, boarding or alighting from, any type of aircraft;
4. Injury sustained while you are riding as a passenger in any aircraft; a) not having a current and valid Airworthy Certificate; and b) not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft;
5. Any consequence, whether directly or indirectly, proximately or remotely occasioned by, contributed to by, or traceable to, or arising in connection with:
   • War, invasion, act of foreign enemy hostilities, warlike operations (whether war be declared or not), or civil war.
   • Mutiny, riot, strike, military or popular uprising insurrection, rebellion, revolution, military or usurped power.
   • Acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the
   • Government de jure or de facto or to the influencing of it by terrorism or violence.
   • Martial law or state of siege or any events or causes which determine the proclamation or maintenance of martial law or state of siege (hereinafter for the purposes of this Exclusion called the “Occurrences”).
     Any consequence happening or arising during the existence of abnormal conditions (whether physical or otherwise), whether directly or indirectly, proximately or remotely occasioned by, or contributed to by, traceable to, or arising in connection with, any of the said Occurrences shall be deemed to be consequences for which the Plan shall not be liable, except to the extent that you can prove that such consequence happened independently of the existence of such abnormal conditions.
     
6. Service in the military, naval or air service of any country;
7. Flying in any aircraft being used for, or in connection with, acrobatic or stunt flying, racing or endurance tests;
8. Flying in any rocket-propelled aircraft;
9. Flying in any aircraft being used for, or in connection with, crop dusting or seeding or spraying, fire fighting, exploration, pipe or power line inspection, any form of hunting or herding, aerial photography, banner towing or any experimental purpos
10. Flying in any aircraft which is engaged in any flight which requires a special permit or waiver from the authority having jurisdiction over civil aviation, even though granted;
11. Sickness of any kind;
12. Being under the influence of alcohol or having taken drugs or narcotics unless prescribed by a legally qualified Physician or surgeon;
13. Injury occasioned or occurring while you are committing or attempting to commit a felony or to which a contributing cause was your being engaged in an illegal occupation;
14. While riding or driving in any kind of competition;
15. This plan does not insure against loss or damage (including death or Injury) and any associated cost or expense resulting directly or indirectly from the discharge, explosion or use of any device, weapon or material employing or involving nuclear fission, nuclear fusion or radioactive force, or chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act, regardless or any other cause or event contributing concurrently or in any other sequence thereto.
16. Suicide, or any attempt thereof, while sane; self-destruction, or any attempt thereof, while insane

Excess Benefits: All coverages, except Accidental Death and Dismemberment, shall be in excess of all other valid and collectible Insurance Indemnity and shall apply only when such benefits are exhausted.