RL-HI2-CERT-20-IN 12 D12970 (11/25) EXCLUSIONS Benefits are not payable for any loss caused in whole or directly by any of the following:  Participation or attempt to participate in a felony or illegal activity.  Operation of a motorized vehicle while intoxicated. Intoxication means your blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the Accident occurred.  Suicide, attempted suicide or any intentionally self-inflicted Injury, while sane or insane.  War or any act of war, whether declared or undeclared (excluding acts of terrorism).  Loss sustained while on active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.  Misuse of alcohol or taking of drugs, other than under the direction of a Doctor. Exception: This exclusion does not apply to a Confinement in an eligible Hospital for the purpose of treatment for alcoholism or drug addiction.  Elective surgery, except when required for appropriate care as determined by a Doctor as a result of your Injury or Sickness.  Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.  Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded.  Engaging in hang-gliding, bungee jumping, parachuting, sailgliding, parasailing, parakiting, kitesurfing or any similar activities.  Practicing for, or participating in, any semi-professional or professional competitive athletic contests for which any type of compensation or remuneration is received.