Exclusions
Benefits will not be paid for a loss due to:

1. intentionally self-inflicted Injury, suicide while sane or insane or any attempt thereat (in Missouri this applies only while sane);
2. voluntary self-administration of any drug or chemical substance not prescribed by, and taken according to the directions of the Covered Persons Doctor;
3. committing or attempting to commit a felony;
4. participation in a riot or insurrection;
5. an act of declared or undeclared war (not including terrorism);
6. active duty service in any Armed Forces of any country and, in such event, the pro-rata unearned premium will be returned upon proof of service. This does not include Reserve or National Guard active duty or training unless it extends beyond 31 days;
7. practice or play in any sports activity, including travel to and from the activity and practice, unless specifically provided for in the Policy;
8. parachuting, except for self preservation;
9. bungie jumping, flight in an ultralight aircraft, hang-gliding;
10. sickness, disease, bodily or mental infirmity or medical or surgical treatment thereof, bacterial infection, regardless of how contracted. This does not exclude bacterial infection that is the natural and foreseeable result of an Injury or accidental food poisoning;
11. services or treatment rendered by a Doctor, Nurse or any other person who is:
1. employed or retained by the Policyholder; or
2. is the Covered Person, His spouse, parent, child or sibling;
12. flight in an aircraft, except as a fare-paying passenger;
13. dental treatment or dental X-rays, except as otherwise provided, and only when Injury occurs to sound natural teeth;
14. any loss for which benefits are paid under state or federal worker’s compensation, employers liability, or occupational disease law;
15. treatment in any Veterans Administration or Federal Hospital, except if there is a legal obligation to pay;
16. cosmetic surgery, except for reconstructive surgery due to a covered Injury;
17. charges which the Covered Person would not have to pay if He did not have insurance;
18. eyeglasses, contact lenses, hearing aids; and
19. charges which are in excess of Usual and Customary charges.