EXCLUSIONS:

Exclusions:
Benefits will not be paid under this Policy for Hospital confinements caused by, resulting from, or contributed to by:

  1. Routine physical exams or Hospital Confinement for other than Injury or Sickness, or which is not Medically Necessary.
  2. Intentionally self-inflicted Injury, while sane or insane (in MO while sane).
  3. Treatment of a nervous or mental condition, alcoholism or drug addiction.(In IL: treatment of a nervous or mental condition; In SC treatment of a nervous or mental condition, the Covered Person's alcoholism or drug addiction)
  4. Injuries resulting from active military service.
  5. Dental care, except as a result of Injury to sound natural teeth.
  6. Well-baby care of a Newborn Dependent child.
  7. Declared or undeclared war; or any act of war.
  8. Pregnancy (except Complications of Pregnancy, as defined in this Policy).
  9. Expenses incurred or care received outside of the United States.
  10. Participating in a riot; or committing an assault or felony.
  11. Treatment or service rendered in any Hospital or convalescent facility owned or operated by the Federal Government where, in the absence of inurance, there is no legal obligation to pay.

Pre-Existing Conditions Information
No benefits will be payable for the Covered Person's Pre-Existing Conditions. They are defined as an Injury sustained or a Sickness for which the Covered Person was medically treated or advised by a Physician within the 12 months (6 months in CA) immediately prior to his Effective Date of Coverage under this Policy.

A Confinement resulting for a Pre-Existing Condition will not be covered until:
12 (6 months in GA) consecutive months have elapsed during which no medical treatment or advice is given by a Physician for such condition; or the Covered Person has been insured under this Policy for 1 continuous year, whichever occurs first.

This information provides a brief description of benefits available. It is not a contract. Terms and conditions of coverage are set forth in Group Policy Number MZ0925854H0000A (under age 65), and Group Policy Number MZ0911739H0000A (over age 65) . These policies will require their own separate advertising. Some provisions, benefits, exclusions or limitations herein may vary depending on your state of residence.