Student Insurance Program

Exclusions

• The following expenses are not covered:
• Elective, cosmetic, or reconstructive surgery
• Routine exams
• Dental work unless for an injury to natural teeth
• Hearing aids and glasses
• Birth control or infertility
• Professional sports injuries
• Intentional injury
• Injury while parachuting, hang gliding, or while driving illegally.
• Limited mental and nervous disorders/substance abuse
• Act of war related injury
• Expenses due to a pre-existing injury or sickness*
• Other expenses specified in the policy

*The policy will not cover charges or expenses due to a pre-existing injury or sickness or complication thereof. A pre-existing injury or sickness is one for which the Insured Individual received medical advice, treatment or diagnosis during the 6 months prior to the Insured Individual's Effective Date of Coverage under the policy. However, covered charges incurred for a pre-existing injury or sickness will be payable under the policy after the insured individual's coverage has been in force for 12 consecutive months. Pregnancy will not be considered a pre-existing condition.

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