Accidental Death & Dismemberment

What are the exclusions to coverage?
Benefits will not be paid if the loss results directly or indirectly from any of the following:

  • War or an act of war, whether declared or not
  • Taking part in a riot or insurrection, or an act of riot or insurrection
  • Service in the armed forces of any country, combination of countries, or international organization at war, whether declared or not
  • Any physical or mental disease
  • Any infection, except a pyogenic infection that occurs from an accidental wound
  • An assault or felony you commit
  • Suicide or attempted suicide while sane or insane
  • Intentional self-inflicted injury, while sane or insane
  • The use of any drug, unless you use it as prescribed by a doctor
  • Your intoxication, which is limited to operating a passenger vehicle while you are intoxicated; "intoxication" and "intoxicated" mean your blood alcohol level at death or dismemberment exceeds the legal limit for operating a motor vehicle in the jurisdiction in which the loss occurs. "Passenger vehicle" means a four-wheel car of the private passenger type, including pickup trucks, motor homes and vans with a load capacity of one ton or less.
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