Excluded Conditions, Treatments (includes Diagnoses, Tests, and Examinations), Services, Supplies, Acts, Omissions, and/or Events:

1. For persons who enroll in this plan while confined to a hospital, rehabilitation facility, long-term care facility, extended care facility, nursing, rest, or convalescent home, a place for the aged, a place providing mainly custodial, educational, or rehabilitative care, a hospice, or a facility mainly used for the treatment of substance or alcohol abuse, benefits attributed to injury or illness are not eligible until thirty (30) days after discharge from the facility.
2. Injury sustained on an aircraft, whether commercial or private, while riding as a pilot, student pilot, operator, crew member, or flying any aircraft in connection with acrobatic or stunt flying, racing or endurance tests, rocket-propelled aircraft, crop dusting, seeding or spraying, firefighting, exploration, any form of hunting or herding, aerial photography, banner towing, or any experimental purpose.
3. Injury sustained while you are a passenger in any aircraft that does not have a current and valid airworthy certificate and/or an aircraft not piloted by a person who holds a valid certificate of competency of such aircraft.
4. All forms of cancer / malignant neoplasm.
5. Intentional self-inflicted injury or illness and/or suicide or attempted suicide, whether sane or insane.
6. Injury or illness sustained that is due wholly or partially to the effects of alcohol, illegal , or drugs not taken in accordance with treatment prescribed by a physician and except drugs prescribed for the treatment of substance abuse, or injury sustained while under the influence of drugs or alcohol as (i) defined under the law of the jurisdiction, or (ii) with a .08 Blood Alcohol Content (BAC), whichever is lower; or (iii) an expert’s report, such as that of a medical practitioner or forensic expert; (iv) the witness report of a third party, or (v) your own admission; or (vi) the description of events you described to us or you had described to any treating medical professional (such as a paramedic, nurse, doctor) or attending emergency service member as documented in their records.
7. Incurred as a result of exposure to non-medical nuclear radiation and/or radioactive material(s).
8. Investigational, experimental or for research purposes.
9. Not medically necessary.
10. Provided by a relative, family member or any person who ordinarily resides with you.
11. Provided at no cost to you.
12. Payable under any government system, including the Australian Medicare system.
13. Payable under Workers’ Compensation or Employer’s Liability Laws, or by any coverage provided or required by law.
14. Charges exceeding usual, reasonable and customary.
15. Charges resulting from or occurring during the commission of a violation of law, including without limitation, the engaging in an illegal occupation or act, but excluding minor traffic violations.
16. Any illness or injury incurred as a result of epidemics, pandemics, public health emergencies, natural disasters, or other disease outbreak conditions that may affect a person’s health when, prior to your effective date, any of the following were issued:
    1. The United States Centers for Disease Control & Prevention had issued a Warning/Alert Level 3 or higher for a location or destination, including common carriers; or
    2. The United States Centers for Disease Control & Prevention had issued a Global or Worldwide Warning/Alert Level 3 or higher.
    This exclusion is applicable when 1) any of the above were in effect within sixty (60) days immediately prior to your effective date or 2) within ten (10) days following the date the alert/warning is issued you have failed to depart the country or location. This exclusion does not apply to charges resulting from COVID-19/SARS-CoV-2.
17. War, military action or while on duty as a member of a police or military force unit.
18. Travel or accommodations unless arranged by us.
19. Incurred outside your certificate period.
20. Submitted to us for payment more than sixty (60) days after the last day of the certificate period.
21. Complications or consequences of a treatment or condition excluded hereunder.
22. Not included as Eligible Expenses as described herein.