No coverage shall be provided and no benefits will be paid for any loss resulting in whole or in part from, or contributed to by, or as a natural and probable consequence of any of the following excluded risks.

1. Suicide or any attempt at suicide or intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury or any act of autoeroticism.
2. Travel or flight in or on (including getting in or out of, or on or off of) any vehicle used for aerial navigation, if the Insured Person is:

   1. Riding as a passenger in any aircraft not intended or licensed for the transportation of passengers;
   2. Performing, learning to perform or instructing others to perform as a pilot or crew member of any aircraft; or
   3. Riding as a passenger in an aircraft owned, leased or operated by the Insured Person's employer.
3. Declared or undeclared war, or any act of declared or undeclared war.
4. Full-time active duty in the armed forces, National Guard or organized reserve corps of any country or international authority.  Unearned premium for any period for which the Insured Person is not covered due to his or her active duty status will be refunded.  Loss caused while on short-term National Guard or reserve duty for regularly scheduled training purposes is not excluded.
5. The Insured Person’s being under the influence of intoxicants while operating any vehicle or means of transportation or conveyance.
6. The Insured Person’s being under the influence of drugs unless taken under the advice of and as specified by a Physician.
7. The Insured Person’s commission of or attempt to commit a felony.
8. Services and supplies which are not prescribed by a Physician as necessary to treat an Injury or Sickness; are received without charge or legal obligation to pay; would not normally be paid in the absence of insurance; are received outside of the United States; or are received while incarcerated by legal authorities of any state or country for any reason.
9. Dental treatment unless due to an Injury.
10. Cosmetic care, except for reconstructive plastic surgery required as a result of Injury; to restore a normal bodily function; to improve functional impairment by anatomic alteration made as necessary as a result of a congenital birth defect; or for breast reconstruction following mastectomy.
11. Any Injury or Sickness covered under any state or federal Worker’s Compensation, Employer’s Liability law or similar law.
12. Services and supplies, which are not due to an Injury or Sickness except as specifically provided.
13. Mental or nervous disorders or substance abuse.
14. Participating in any sport or sporting activity for wage, compensation, or profit, including officiating or coaching; or racing any type vehicle in an organized event.
15. Driving any taxi for wage, compensation, or profit.
16. Mountaineering using ropes and/or other equipment; parachuting; or hang gliding.
17. Custodial care or rest.