ACCIDENT ADVANTAGE PLUS INSURANCE LIMITATIONS AND EXCLUSIONS WHAT IS NOT COVERED, AND TERMS YOU NEED TO KNOW LIMITATIONS AND EXCLUSIONS If the coverage outlined in this summary will replace any existing coverage, intentionally. please be aware that it may be in your best interest to maintain your • Racing – riding in or driving any motor-driven vehicle in a race, stunt individual guaranteed-renewable policy. show, or speed test. WE WILL NOT PAY BENEFITS FOR INJURY, TOTAL DISABILITY, OR DEATH • Intoxication – being legally intoxicated, or being under the in昀氀uence CONTRIBUTED TO, CAUSED BY, OR RESULTING FROM: of any narcotic, unless taken under the direction of a doctor. Legally • War – participating in war or any act of war, declared or not; intoxicated means that condition as de昀椀ned by the law of the participating in the armed forces of, or contracting with, any country jurisdiction in which the accident occurred. or international authority. We will return the prorated premium for any • Illegal Acts – participating or attempting to participate in an illegal period not covered by this certi昀椀cate when you are in such service. activity, or working at an illegal job. • Suicide – committing or attempting to commit suicide, while sane • Sports – participating in any organized sport—professional or semi- or insane. professional. • Sickness – having any disease or bodily/mental illness or degenerative • Cosmetic Surgery – having cosmetic surgery or other elective process. We also will not pay bene昀椀ts for any related medical/surgical procedures that are not medically necessary or having dental treatment treatment or diagnostic procedures for such illness. except as a result of a covered accident. • Self-In昀氀icted Injuries – injuring or attempting to injure yourself TERMS YOU NEED TO KNOW Accidental injury or injuries means bodily injury or injuries resulting from Dependent children are your or your spouse’s natural children, step- an unforeseen and unexpected traumatic event that meets the de昀椀nition of children, legally adopted children, children placed for adoption, or children covered accident. subject to legal guardianship who are younger than age 26. Adopted Children your newly adopted children will be covered upon the However, there is an exception to the age-26 limit listed above. This limit will earlier of the date of placement for the purpose of adoption or the date not apply to any child who is incapable of self-sustaining employment due of the entry of an order granting the adoptive parent custody of the child to mental or physical handicap and is dependent on a parent for support. for purposes of adoption. Coverage continues unless the placement is You or your spouse must furnish proof of this incapacity and dependency to disrupted prior to legal adoption and the child is removed from placement. the company within 120 days following the child’s 26th birthday. Common carrier means an airline carrier that is licensed by the United States Dismemberment means: loss of a hand – The hand is removed at or above Federal Aviation Administration and operated by a licensed pilot on a regular the wrist joint; loss of a foot – The foot is removed at or above the ankle; or schedule between established airports; a railroad train that is licensed and loss of sight – At least 80% of the vision in one eye is lost (such loss of sight operated for passenger service only; or a boat or ship that is licensed for must be permanent and irrecoverable); or loss of a 昀椀nger/toe – The 昀椀nger or passenger service and operated on a regular schedule between established toe is removed at or above the joint where it is attached to the hand or foot. ports. Doctor is de昀椀ned as a person who is a legally quali昀椀ed to practice medicine, Covered accident means an unforeseen and unexpected traumatic event licensed as a physician by the state where treatment is received, and resulting in bodily injury. An event meets the quali昀椀cations of covered licensed to treat the type of condition for which a claim is made. A doctor accident if it occurs on or after the plan’s effective date, occurs while does not include you or your family member. coverage is in force, and is not speci昀椀cally excluded. Employee means a person who is actively at work with the master policyholder, engaged in full-time work, and is included in the class of employees eligible for coverage.