RL-HI2-CHR-18-IN 4 CHR-12970 (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.  An Accident while your Child is operating a motorized vehicle while intoxicated. Intoxication means your Child’s 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 Child’s 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. CLAIMS NOTICE OF CLAIM Written notice of your claim should be given to us within 30 days after the date of loss. The notice may be given to us at our home office or to our authorized agent or administrator. Failure to give notice within this timeframe will not invalidate or reduce any payable claim if it can be shown that it was not reasonably possible to give such notice within that time and the notice was given as soon as reasonably possible. CLAIM FORM The claim form is available from the Employer or you can request a claim form from us. If you do not receive the form from us within 15 days of your request, you may send us written proof of claim without waiting for the form. If such written proof of claim covers the occurrence, character and extent of the loss within the time period below for proof of claim, you will be deemed to have complied with the requirements for providing proof of claim. FILING A CLAIM The claim form(s) may require completion by you and the Employer and your Child’s attending Doctor. The completed form(s) and any attachments indicated on the form(s) as required should be sent directly to us at the address indicated on the form. PROOF OF CLAIM You must send us written proof of your claim within 90 days after the date of loss. Failure to give such proof within this timeframe will not invalidate or reduce any payable claim if it can be shown that it was not reasonably possible to give such proof within that time, and the proof was given as soon as reasonably possible. However, in any event, you must provide proof of claim no later than one year after the time proof is otherwise required, except in the absence of legal capacity. PHYSICAL EXAMINATION We may require your Child to be examined by one or more Doctors or other medical practitioners of our choice. We will pay for this examination. We can require an examination as often as it is reasonable to do so while the claim is pending. We may also require you to be interviewed by our authorized representative. Failure to comply with this request may result in denial or termination of benefits.