All limitations and exclusions that apply to the critical illness plan also TERMS YOU NEED TO KNOW apply to all riders, if applicable, unless amended by the riders. The Bone Marrow Transplant (Stem Cell Transplant) bene昀椀t is not payable if LIMITATIONS AND EXCLUSIONS the transplant results from a covered critical illness for which a bene昀椀t has Cancer Diagnosis Limitation Bene昀椀ts are payable for cancer and/or been paid under this plan. noninvasive cancer as long as the insured: The following are not considered internal or invasive cancers: • Is treatment-free from cancer for at least 12 months before the • Pre-malignant tumors or polyps diagnosis date; and • Carcinomas in Situ • Is in complete remission prior to the date of a subsequent diagnosis, • Any super昀椀cial, non-invasive skin cancers including basal cell and as evidenced by the absence of all clinical, radiological, biological, and squamous cell carcinoma of the skin biochemical proof of the presence of the cancer. EXCLUSIONS • Melanoma in Situ • Melanoma that is diagnosed as We will not pay for loss due to: − Clark’s Level I or II, • Self-In昀氀icted Injuries – injuring or attempting to injure oneself − Breslow depth less than 0.77mm, or intentionally or taking action that causes oneself to become injured; − In Alaska: injuring or attempting to injure oneself intentionally − Stage 1A melanomas under TNM Staging • Suicide – committing or attempting to commit suicide, while sane or Skin cancers are not payable under the Cancer (internal or invasive) Bene昀椀t insane; or the Non-Invasive Cancer Bene昀椀t. The following are considered skin − In Illinois and Minnesota: this exclusion does not apply cancers: • Illegal Acts – participating or attempting to participate in an illegal • Basal cell carcinoma activity, or working at an illegal job: • Squamous cell carcinoma of the skin − In Arizona: participating in or attempting to commit a felony, or • Melanoma in Situ being engaged in an illegal occupation; • Melanoma that is diagnosed as − In Illinois and Pennsylvania: Illegal Occupation - committing or − Clark’s Level I or II, attempting to commit a felony or being engaged in an illegal occupation; − Breslow depth less than 0.77mm, or − In Michigan: Illegal Occupation – the commission of or attempt to − Stage 1A melanomas under TNM Staging commit a felony, or being engaged in an illegal occupation; Critical Illness is a disease or a sickness as de昀椀ned in the plan that 昀椀rst − In Nebraska: being engaged in an illegal occupation, or commission manifests while your coverage is in force. of or attempting to commit a felony; Date of Diagnosis is de昀椀ned as follows: − In Ohio: committing or attempting to commit a felony, or working at • Cancer: The day tissue specimens, blood samples, or titer(s) are an illegal job taken (diagnosis of cancer and/or carcinoma in situ is based on such • Participation in Aggressive Con昀氀ict: specimens). − War (declared or undeclared) or military con昀氀icts; In Oklahoma: • Non-Invasive Cancer: The day tissue specimens, blood samples, or War, or act of war, declared or undeclared when serving in the titer(s) are taken (diagnosis of cancer and/or carcinoma in situ is based military service or an auxiliary unit thereto on such specimens). − Insurrection or riot • Skin Cancer: The date the skin biopsy samples are taken for − Civil commotion or civil state of belligerence microscopic examination. • Illegal Substance Abuse: • Bone Marrow Transplant (Stem Cell Transplant): The date the surgery − Abuse of legally-obtained prescription medication occurs. − Illegal use of non-prescription drugs • Coronary Artery Bypass Surgery: The date the surgery occurs. − In Arizona: Being intoxicated or under the in昀氀uence of any narcotic • Heart Attack (Myocardial Infarction): The date the infarction (death) of a unless administered on the advice of a physician portion of the heart muscle occurs. This is based on the criteria listed under the heart attack (myocardial Infarction) de昀椀nition. − In Michigan, Nevada, and South Dakota: this exclusion does not • Kidney Failure (End-Stage Renal Failure): The date a doctor apply recommends that an insured begin renal dialysis. Diagnosis, treatment, testing, and con昀椀nement must be in the United • Major Organ Transplant: The date the surgery occurs. States or its territories. • Stroke: The date the stroke occurs (based on documented neurological All bene昀椀ts under the plan, including bene昀椀ts for diagnoses, treatment, de昀椀cits and neuroimaging studies). con昀椀nement and covered tests, are payable only while coverage is in • Sudden Cardiac Arrest: The date the pumping action of the heart fails force. (based on the sudden cardiac arrest de昀椀nition).