Charges for the following services, treatments and/or conditions
are excluded from coverage under the Patriot plans.
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Pre-existing Conditions. A pre-existing condition is defined as
any injury, illness, sickness, disease, or other physical, medical,
mental or nervous condition, disorder or ailment that existed at
the time of application or at any time during the five years prior
to the effective date of the insurance, including any subsequent,
chronic or recurring complications or consequences related thereto
or arising therefrom. |
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Treatment or surgeries which are elective, investigational,
experimental or for research purposes.
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War, political insurrection, protest, or any act thereof.
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Immunizations and routine physical exams. |
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Treatment of Temporomandibular Joint or dental treatment, except
as provided for herein. |
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Venereal disease, AIDS virus, AIDS related illness, ARC Syndrome,
or AIDS, and the cost of testing for these conditions, and charges
for treatment or surgeries which are incurred by any Insured who
was HIV+ at time of enrollment into this insurance. |
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Pregnancy, childbirth, birth control, artificial insemination,
treatment for infertility or impotency, sterilization or reversal
thereof, or abortion. |
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Injury sustained while participating in amateur or professional
sports or other athletic activity which is organized and/or sanctioned,
or which involves regular or scheduled practices, games or competition.
The following hazardous activities are excluded, but may be added
by the Optional Sports Rider: Scuba diving, mountain climbing (up
to 4500 meters or where ropes or guides are normally used), jet,
snow and water skiing and snowboarding, skydiving, amateur racing,
piloting an aircraft, bungee jumping and spelunking. |
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Vision or ear tests and the provision of visual or hearing aids. |
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Vocational, recreational, speech or music therapy. |
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Treatment while confined primarily to receive custodial care,
educational or rehabilitative care, or nursing services. |
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Charges, injuries and/or illnesses resulting or arising from or
occurring during the commission or continuing perpetration of a violation
of law by the insured, including without limitation, the engaging
in an illegal occupation or act, but excluding minor traffic violations. |
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Treatment for, and injuries and/or illnesses resulting or arising
from, substance abuse or drug addiction. |
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Injury and/or illness resulting or arising from or sustained while
under the influence of or disablement of drugs or alcohol. |
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Willfull self-inflicted injury or illness |
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Treatment required as a result of or arising from complications
from a treatment or condition not covered hereunder. |
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Any services or supplies performed or provided by a relative of
the Insured or provided at no cost to Insured. |
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Treatment for mental and nervous disorders. |
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Organ or tissue transplants or related services. |
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Illness or injury where the trip to the host country is undertaken
for treatment or advice for such Illness or injury, except as provided
for herein. |
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Treatment incurred as a result of or arising from exposure to nuclear
radiation, and/or radioactive material(s). |
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This information is only a consolidated and summary description
of all current Patriot Group Travel Medical InsuranceSM benefits,
conditions, limitations and exclusions. A certificate containing
the complete Policy Wording with all terms, conditions and exclusions
will be included with the fulfillment kit. |
