Exclusions

Benefits are not paid for disabilities resulting:

  • from of an act of war or service in the military of any country at war
  • from intentionally self-inflicted injuries
  • from normal pregnancy or childbirth
  • during a period of imprisonment or loss of standing to practice medicine (unless as a result of psychiatric or psychological problems)
  • after you stop actively practicing medicine for compensation or profit.

Riders may be issued for individuals excluding coverage for specific conditions.