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;

3. An Accident 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. Injury 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. Treatment for an Injury or Sickness 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;

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

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

9. Charges that are not Medically Necessary; Charges provided at no cost to the Plan Participant;

10. 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;

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

12. Injuries 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;

13. 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;

14. Pre-existing conditions; however, a Pre-Existing condition will be covered after the Plan Participant has been continuously insured for 6 months under the same insurance plan;

15. Pregnancy or childbirth, except when conception occurs while covered under the Policy; miscarriage resulting from an accident that exceeds [$250-750], elective abortion; elective cesarean section; or any complications of any of these conditions; pregnancy or childbirth or a dependent when dependent child of a Plan Participant (except for complications arising there from);

16. 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;

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

18. Dental care or treatment other than care of sound natural teeth and gums required on account of Injury resulting from an Accident while the Plan Participant is covered under the Policy, and rendered within 6 months of the Accident;

19. Eyeglasses, contact lenses, hearing aids braces, appliances, or examinations or prescriptions therefore;

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

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

22. 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;

23. Travel in or upon:

    (a) A snowmobile;

    (b) A water jet ski

    (c) Any two or three wheeled motor vehicle, other than a motorcycle registered for on-road travel;

    (d) Any off‑road motorized vehicle not requiring licensing as a motor vehicle; when used for competition

24. Injury sustained while taking part in mountaineering, hang gliding, parachuting, bungee jumping, racing

    by horse, motor vehicle or motorcycle, snowmobiling, scuba diving involving underwater breathing apparatus, water skiing, spelunking, parasailing, surfing, and snowboarding.

25. Rest cures or custodial care;

26. 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);

27. 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 An ultra-light, hang gliding, parachuting or bungee jumping. Except as a fare paying passenger on a regularly scheduled commercial airline.

28. 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;

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

30. Your participation in Adventure or Extreme Activities, riding or driving in any races, or participation in speed or endurance competition or events, except as a spectator. This exclusion will be waived if the optional coverage for Adventure or Extreme Activities is elected and any required cost is paid.

In addition to any of the exclusions listed above, for Eligible Expenses under Baggage Loss and Delay, this

Insurance also does not cover the following:

1. Aircraft, automobiles, automobile equipment, motors, motorcycles, bicycles (except bicycles when checked as baggage with a common carrier,) boats or other conveyances or their accessories;

2. Animals;

3. Merchandise for sale or exhibition, salesmen’s samples;
4. Wear and tear or gradual deterioration;
5.  Insect or vermin damage;
6. Destruction or seizure under quarantine or customs rules or by order of a government;
7. Illegal transportation or trade;