Comprehensive Accident Plan Insurance Exclusions

The UnionSecure Comprehensive Accident Plan, by The Hartford, does not cover any loss resulting from:

1. Intentionally self-inflicted Injury, suicide or attempted suicide, whether sane or insane;
2. War or act of war, whether declared or undeclared;
3. Injury sustained while voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines, or hallucinogens, unless the drug is taken as prescribed or administered by a licensed physician;
4. Injury sustained while legally intoxicated from the use of alcohol.

Injury is defined as bodily injury resulting directly from accident and independently of all other causes which occurs while the Covered Person is covered under the policy.  Loss resulting from sickness or disease, except a pus-forming infection which occurs through an accidental wound; or medical or surgical treatment of a sickness or disease; is not considered as resulting from injury.

Conditions Prior to Effective Date:

We will not pay a Benefit for any loss or period of Total Disability which:

1. begins during the first 24 months of Your insurance; and
2. is a result of a Pre-Existing Condition; unless such Total Disability begins after You have been free of Medical Care for the condition for a 12 month period ending any time on or after Your effective date.

Conditions Prior to Effective Date of Increase in Coverage:

We will not pay an increased Benefit for any loss or period of Total Disability which:

1. begins during the first 24 months following the date You make a change in coverage that increases Your benefits; and
2. is a result of a Pre-Existing Condition unless such Total Disability begins after You have been free of Medical Care for the condition for a 12 month period ending any time on or after Your effective date of increase.

Pre-Existing Condition means any Disability, diagnosed or undiagnosed, for which Medical Care is received by You:

1. within the 12 month period prior to the date Your insurance starts; or
2. with respect to the limitation for any increase in coverage, within the 12 month period prior to the effective date of your increase in coverage.