EXCLUSIONS
We will not pay benefits for any covered accident or covered sickness or any period of confinement covered under the plan that is caused by, or results from:
  1. intentionally self-inflicted injury; suicide or attempted suicide.
  2. war or any act of war, whether declared or not.
  3. active participation in a riot or insurrection.
  4. service in the military, naval or air service of any country or international organization.
  5. alcoholism, drug addiction or the use of any drug or narcotic.
  6. medical or surgical treatment, diagnostic procedure, administration of anesthesia related to medical mishap or negligence, including malpractice.
  7. travel or activity outside the United States or Canada.
  8. Injury or death to which a contributing cause is the covered person’s violation or attempt to violate any duly-enacted law, or the commission or attempt to commit an assault or a felony, or other criminal activity, or that occurs while the covered person is engaged in an illegal occupation.
  9. services, supplies or a period of confinement ordered by persons employed or retained by an employer, or by any immediate family or member of the covered person’s household;
  10. dental surgery, unless the surgery is the result of a covered accident or covered sickness.
  11. pre-existing conditions*, except for congenital anomalies of a covered dependent child. The pre-existing conditions exclusion only applies to Voluntary plans; it does not apply to plans sold on a Blanket basis.
*“Pre-existing condition” means an injury or sickness for which a covered person incurred expenses, received medical treatment, care or services including diagnostic measures, took prescribed drugs or medicines, or for which a person would have consulted a doctor within 6 months before his or her most recent effective date of insurance. Pre-existing conditions will be covered after the covered person has been continuously covered under the policy for 6 consecutive months.
 
This insurance does not apply to the extent that trade or economic sanctions or regulations prohibit ACE USA from providing insurance, including, but not limited to, the payment of claims.
      
Questions  (804) 273-9797