Exclusions: No coverage shall be provided under the Policy and no payment shall be made for any loss resulting in whole or in part from, or contributed to by, or as a natural and probable
consequence of any of the following excluded risks, even if the proximate or precipitating cause of the loss is an accidental bodily Injury.

1)Suicide or any attempt at suicide or intentionally
self-inflicted Injury or any attempt at intentionally self-inflicted Injury or auto-eroticism;

2) Sickness, disease, mental incapacity, or bodily infirmity whether the loss results directly
or indirectly from any of these;

3) Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Insured is:

a) riding as a passenger in
any aircraft not intended or licensed for the transportation of passengers; or
b) performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or
c) riding as a passenger in an aircraft owned, leased or operated by the Policyholder or the Covered Person's employer;

4) Declared or undeclared war, or any act of declared or undeclared
war, except if specifically provided by this Policy;

5) Infections of any kind regardless of how contracted, except bacterial infections that are directly caused by botulism, ptomaine
poisoning, or an accidental cut or wound independent of and in the absence of any underlying sickness, disease or condition, including but not limited to diabetes;

6) Full-time active duty
in the armed forces, National Guard or organized reserve corps of any country or international authority (Unearned premium for any period for which the Insured is not covered due to his or her active duty status will be refunded. Loss caused while on short-term National Guard or reserve duty for regularly scheduled training purposes is not excluded.);

7) The Insured being under the influence of drugs unless taken under the advice of and as specified by a Physician;

8) The insured being under the influence of intoxicants while operating any vehicle or
means of transportation or conveyance;

9) Participation in any team sport or any other athletic activity, except participation in a Covered Activity;

10) The medical or surgical treatment of
sickness, disease, mental incapacity or bodily infirmity whether the loss results directly or indirectly from the treatment;

11) Stroke or cerebrovascular accident or event, cardiovascular
accident or event, myocardial infarction or heart attack, coronary thrombosis, or aneurysm;

12) The Insured committing or attempting to commit a crime; and

13) Any loss incurred while
outside the United States, its territories or Canada.

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