EXCLUSIONS EXCLUSIONS: A Critical Illness benefit will not be paid: (1) if the Critical Illness is caused by or contributed to by one of the following: (a) an act of war, declared or undeclared; (b) intentionally self-inflicted Injury; (c) the Insured’s commission or attempted commission of a felony; (d) the Insured’s use of alcohol or drugs unless taken as prescribed by a Physician; (e) a Sickness or Injury that occurs while the Insured is confined in a penal or correctional institution; (f) cosmetic or elective surgery that is not medically necessary; (g) committing or attempting to commit suicide while sane or insane; (h) the Insured’s participation in a riot or insurrection; (2) for a Critical Illness Diagnosed outside of the United States unless such Diagnosis is confirmed within the United States. If such Diagnosis is confirmed within the United States, the Critical Illness will be deemed to have occurred on the date Diagnosis was made outside the United States; (3) for a Critical Illness which is Diagnosed less than three (3) months from a different Critical Illness for which benefits have been paid; or (4) for the same Critical Illness as a Critical Illness for which a benefit has been paid if it is Diagnosed less than twelve (12) months after the previous Critical Illness was Diagnosed. LRS-9537-16-0118 Page 15.0