What Is Excluded?

The policy does not cover loss nor provide benefits for:

1. Expenses resulting from any declared or undeclared war;
2. Suicide, attempted suicide, or intentionally self-inflicted injury;
3. Expenses while in the armed forces of any country;
4. Expenses covered by any workers' compensation or occupational disease law;
5. The patient being under the influence of alcohol or drugs unless taken on a physician's advice;
6. Treatment provided in a governmental hospital unless the patient is legally obligated to pay such charges;
7. Experimental or investigative service, supply, or treatment;
8. Sickness or disease, mental incapacity or bodily infirmity, except as provided for herein;
9. Infections of any kind, except as provided for herein;
10. Treatment for mental disorders;
11. Medical expenses that are a result of a patient's dissatisfaction with the cosmetic results of a surgical procedure, or additional surgery to improve the appearance of the affected area;
12. Treatment that is normally managed on an outpatient basis by a plastic surgeon such as, but not limited to, minor infections, tissue sloughing, and hematoma;
13. Charges related to transportation, except where specifically covered in the policy;
14. Charges for items or services of convenience, including but not limited to: admission kits, telephones, slippers, or homemaker services; supportive service focusing on activities of daily life such as bathing, dressing, feeding, or skin and/or bladder care; administration of oral medication or eye drops, except as specifically covered in the policy; or
15. Any services, supplies, or treatment furnished by the patient or a patient's immediate family.