terminates; 2) you are no longer eligible; or 3) the period ends for which the required premium is paid.

other periods, if attending or participating in a Covered Activity; or 3) away from the premises of the Policyholder while attending or participating in a Covered Activity at its scheduled site. The

related to the Policyholder’s business; and 2) not incidental to the purpose of the trip. An aircraft will be deemed “controlled” by the Policyholder if the Policyholder may use it for more than 10

straight days, or more than 15 days in any year.

not as a pilot or member of the crew (except as provided by the Policy); and 2) the aircraft has a valid certicate of airworthiness; and 3) the aircraft is own by a pilot with a valid license; and 4) the

endurance tests, stunt or acrobatic ying; or (ii) any operation which requires a special permit from the FAA, even if it is granted (this does not apply if the permit is required only because of the

territory own over or landed on). 5) the aircraft is a military transport aircraft own by the U.S. Military Airlift Command (MAC), or similar air transport service of another country.

policy, then the benets payable to each person with a valid claim will be reduced proportionately.

If your injury results within 180 days from the date of a Covered Accident in any on the losses shown below, we will pay the Benet Amount shown on the next page for that loss. Your Principal Sum of

$5,000 or $10,000 or $20,000 depends on the Option you have selected. If multiple losses occur, only one Benet Amount, the largest will be paid for all losses due to the same Covered Accident.

loss of use to be complete and not reversible at the time the claim is submitted.

“Member” means Loss of Hand or Foot, Loss of Sight, Loss of Speech and Loss of Hearing. “Loss of Hand or Foot” means complete Severance through or above the wrist or ankle joint. “Loss of

Sight” means the total, permanent Loss of Sight of one eye. “Loss of Speech” means total and permanent loss of audible communication that is irrecoverable by natural, surgical or articial

means. “Loss of Hearing” means total and permanent Loss of Hearing in both ears that is irrecoverable and cannot be corrected by any means. “Loss of a Thumb and Index Finger of the

separation and dismemberment of the part from the body.

We will pay for Covered Expenses that result directly, and from no other cause, from a Covered Accident. These benets must be incurred within 180 days from the date of the Covered Accident

• Treatment of hernia, Osgood-Schlatter’s Disease, osteochondritis, appendicitis, osteomyelitis, cardiac disease or conditions, pathological fractures, congenital weakness, detached retina unless

caused by an Injury, or mental disorder or psychological or psychiatric care or treatment (except as provided in the Policy), whether or not caused by a Covered Accident.

• Pregnancy, childbirth, abortion or any complications of any of these conditions.

• Mental and nervous disorders (except as provided in the Policy).

• Damage to or loss of dentures or bridges, or damage to existing orthodontic equipment (except as specically covered by the Policy)

• Expenses incurred for treatment of temporomandibular or craniomandibular joint dysfunction and associated myofascial pain (except as provided by the Policy).

• Injury covered by Workers’ Compensation, Employer’s Liability Laws or similar occupational benets or while engaging in activity for monetary gain from sources other than the Policyholder.

• Injury or loss contributed to by the use of drugs unless administered by a Doctor.

• Cosmetic surgery, except for reconstructive surgery needed as the result of an Injury.

• Any elective treatment, surgery, health treatment, or examination, including any service, treatment or supplies that: (a) are deemed by us to be experimental; and (b) are not recognized and

• Any treatment, service or supply not specically covered by the Policy.

We will pay up to $10,000 for Covered Expenses incurred for emergency medical services to treat you if you: 1) suer a Medical Emergency during the course of a Trip; and 2) are traveling 100

miles or more away from your place of permanent residence. Covered Expenses include expenses for guarantee of payment to a medical provider, Hospital or treatment facility. Benets for

these Covered Expenses will not be payable unless the charges incurred: 1) are Medically Necessary and do not exceed the charges for similar treatment, services or supplies in the locality

where the expense is incurred; and 2) do not include charges that would not have been made if there were no insurance. Benets will not be payable unless We authorise in writing, or by an

authorised electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider.

We will pay 100% of Covered Expenses incurred for your medical evacuation if you: 1) suer a Medical Emergency during the course of the Trip; 2) require Emergency Medical Evacuation; and

3) are traveling 100 miles or more away from your place of permanent residence. Covered Expenses; 1) Medical Transport: expenses for transportation under medical supervision to a dierent

Benets for these Covered Expenses will not be payable unless: 1) the Doctor ordering the Emergency Medical Evacuation certies that the severity of your Medical Emergency requires an

Emergency Medical Evacuation; 2) all transportation arrangements made for the Emergency Medical Evacuation are by the most direct and economical conveyance and route possible; 3) the

charges incurred are Medically Necessary and do not exceed the Usual and Customary Charges for similar transportation, treatment, services or supplies in the locality where the expense is

incurred; and 4) do not include charges that would not have been made if there were no insurance.

Benets will not be payable unless W e authorise in writing, or by an authorised electronic or telephonic means, all expenses in advance, and services are rendered by Our assistance provider. In

the event that you refuse to be medically evacuated, we will not be liable for any medical expenses incurred after the date medical evacuation is recommended.

We will pay 100% of Covered Expenses for preparation and return of your body to your home if you die as a result of a Medical Emergency while traveling 100 miles or more away from your place of

and 4) Escort Services which include expenses for an Immediate Family Member or companion who is traveling with you to join your body during the repatriation to your place of residence.