What is not covered?

The insurer will not cover you for pre-existing conditions. Other exclusions are:

  • Disabilities caused by war, declared or not, or any act of war;
  • Disabilities caused by attempted suicide, whether sane or insane, or other acts of self-destruction;
  • Disabilities caused by commission of a crime for which you have been convicted under state or federal law, or the attempt to commit a crime under state or federal law.
  • Disabilities or confinements when you are outside the United States, its territories or possessions for a period of over 30 days;
  • Any days over 15 days in a calendar year during which you are confined to an acute care facility (acute care is medical care obtained as a result of a sickness or injury requiring immediate medical intervention);
  • Disabilities caused by voluntary use of any controlled substance as defined by law, unless as prescribed by a physician; or • Disabilities caused by psychological or psychiatric conditions which include:
  • Depression;
  • Generalized anxiety disorders;
  • Schizophrenia; or
  • Manic depressive disorders,

whether treated by drugs, counseling, or other forms of therapy. However, the Policy will make payments for conditions that are not psychological or psychiatric in nature, including Alzheimer’s disease, multi-infarct dementia, or Parkinson’s disease.