Exclusions
This Policy does not cover:
- Service or treatment rendered as part of the duties of a physician or any other person employed or retained by the Policyholder
- Injury sustained or caused by any act of war, riots, civil disorders, or commotions
- Eyeglasses, contact lenses, or prescriptions therefore
- Self-inflicted injuries, suicide, or attempt thereat while sane or insane
- Congenital defect
- Injuries sustained as a result of practice or participating in intercollegiate sports in any form
- Injuries sustained as a result of skiing, unless sponsored scheduled and supervised by the Policyholder
- Injury or sickness for which the Insured is entitled to benefits under any Worker's Compensation Act or Law or similar legislation, or medical expenses covered under any Automobile Reparations Reform Act, or Automobile No-Fault Law, or similar legislation
- Any loss sustained or contracted in consequence of the Insured's being intoxicated or under the influence of any narcotic unless administered on the advice of a physician
- Air travel except as a fare-paying passenger on a commercial aircraft
- Health treatment or examinations where no injury or sickness is involved
- Elective abortions or any other voluntary termination of pregnancy
- Dental treatment except for injury to sound, natural teeth
- Treatment in any Veterans Administration or Federal Hospital, except if there is a legal obligation to pay
- Elective surgery, or cosmetic surgery unless performed in conjunction with a covered loss
- Services or treatment rendered by a physician or nurse who is the Insured or a member of his/her immediate family
- Preventative medicines, serums, or vaccines
- An Insured's commission of or attempt to commit a felony or to which a contributing cause was the Insured's being engaged in an illegal occupation.