Emergency Evacuation
Exclusions

Unless otherwise specifically provided for therein, the coverage provided under Sections 3.1 through 3.4 and 4.2 excludes Expenses that are for, resulting from, related to, or incurred for the following:

1. Aircraft Pilot or Crew Exclusion: You are not covered for 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.
2. Airworthy Exclusion: You are not covered for Injury sustained while You are riding as a passenger in any aircraft which:
   1. Does not have a current and valid Airworthy Certificate; or
   2. Not piloted by a person who holds a valid and current certificate of competency for piloting such aircraft.
3. Athletics Exclusion: You are not covered for Athletics.
4. Competition Exclusion: You are not covered for Injury while participating in contests of speed or riding or driving in any type of competition.
5. Congenital Exclusion: You are not covered for Congenital abnormalities and conditions arising out of or resulting therefrom.
6. Contributory Negligence Exclusion: You are not covered for Injury if the proximate cause of the Injury is due to Your failure to take reasonable care with Your own safety, including but not limited to following applicable laws, safety regulations, and/or signed waivers.
7. Extreme Activities Exclusion: You are not covered for Extreme Activities.
8. HIV/AIDS Exclusion: You are not covered for Acquired Immune Deficiency Syndrome (AIDS), AIDS-Related Complex (ARC), or the Human Immunodeficiency Virus (HIV).
9. Home Country Exclusion: You are not covered while in Your Home Country.
10. Illegal Activity Exclusion: You are not covered for Injury or Illness resulting from the commission of a criminal offense or any other criminal or illegal activity as defined by the local governing body.
11. Inpatient Exclusion: You are not covered for benefits attributable to Injury or Illness during the first thirty (30) days of coverage if You enroll in this Plan while confined to a Hospital, a convalescent, nursing, or rest home or similar facility, a home for the aged, a place mainly providing Custodial Care, Educational or Rehabilitative Care, or a facility mainly used for the Treatment(s) of Substance Abuse at the time of enrollment.
12. Loss of Life Exclusion: You are not covered for loss of life. This exclusion is waived for Section 4.2.
13. Medical Supervision Exclusion: You are not covered for Treatment, services, or supplies that are not administered by or under the supervision of a Physician or Surgeon and products that can be purchased without a Physician’s or Surgeon’s prescription.
14. Medical Treatment Exclusion: You are not covered for Treatment of a medical condition.
15. Mental Illness Exclusion: You are not covered for Mental Illness or Rest Cures.
16. Military Exclusion: You are not covered while engaging in military activities in service of any country, including while using or discharging a weapon, while responding to local civil unrest, at any time while You are stationed in a country or territory with an armed conflict, or while actively training for the aforementioned, or while on active duty as a member of a police force or unit.
17. No Cost Exclusion: You are not covered for Treatment paid for or furnished under any other individual, government, or group policy or Expenses incurred at no cost to You.
18. Occupational Disease Exclusion: You are not covered for Occupational Diseases.
19. Pandemic Exclusion: You are not covered for any Illness incurred in the Destination Country or Home Country as a result of an Epidemic, Pandemic, public health emergency, or other disease outbreak that may affect Your health, except for charges resulting from COVID-19/SARS-CoV-2.
20. Period of Coverage Exclusion: You are not covered for benefits attributable to Injury(ies) or Illness(es) that manifest prior to Your Period of Coverage.
21. Proximity Exclusion: You are not covered for services, supplies, medications, testing, or Treatment prescribed, performed, or provided by a Relative, Family Member, or a person whom You directly supervise at Your place of employment.
22. Quarantine Exclusion: You are not covered for Expenses associated with Quarantine, isolation, or other confinement outside of a Hospital setting; including without limitation: lodging, meals, or other incidentals.
23. Radiation Exclusion: You are not covered for exposure to non-medical nuclear radiation or radioactive materials.
24. Reckless Endangerment Exclusion: You are not covered for Injury if You unreasonably fail or refuse to depart a country or location following the date a warning to leave is issued and such failure causes or contributes to Your Injury. Applicable warnings include those issued by the United States government, the appropriate authorities of either Your Destination Country or Your Home Country, or by a global governing body.
25. Reproductive Exclusion: You are not covered for Pregnancy, childbirth, abortion, or Illness or complications resulting from these conditions, miscarriage including that resulting from an Accident, postpartum care, preventing conception or childbirth, artificial insemination, infertility, impotency, sexual dysfunction, circumcision, or sterilization or reversal thereof.
26. Restricted Travel Exclusion: You are not covered for travel after Your Physician has limited or restricted travel.
27. Self-Harm Exclusion: You are not covered for suicide, attempted suicide, self-destruction, or any attempt thereof, or any intentionally self-inflicted Injury or Illness.
28. Specialty Aircraft Exclusion: You are not covered for Injury while flying in any aircraft being used for acrobatic or stunt flying, racing, endurance tests, rocket-propelled aircraft, crop dusting or seeding or spraying, firefighting, exploration, pipe or power line inspection, any form of hunting or herding, professional aerial photography, banner towing, or any experimental purpose.
29. Substance Exclusion: You are not covered for abuse, misuse, illegal use, overuse, dependency upon, or being under the influence of alcohol, drugs, chemicals, or narcotic agents unless administered under the advice of a Physician and taken in accordance with the proper dosing as directed by the Physician.
30. Terrorist Activity and War Exclusion: You are not covered for Terrorist Activity or War, Hostilities, and War-like Operations.
31. Timely Filing Exclusion: You are not covered for claims which are not received by the Company or Us within ninety (90) days of the date of service.
32. Travel Accommodations Exclusion: You are not covered for travel accommodations.