Cancer means a malignant tumor characterized by the uncontrolled growth and spread of malignant cells and invasion of tissue. This includes Leukemia, Hodgkin’s Disease and invasive melanoma, but does not include:

• non-invasive carcinoma in situ;
• Kaposi’s Sarcoma or other AIDS related cancers and cancer in the presence of Human Immunodeficiency Virus (HIV);
• Skin cancer or melanoma that is not invasive and has not exceeded .75 millimeters in depth; or
• early Prostate cancer diagnosed as T1NOMO or equivalent staging.

A Doctor certified as an Oncologist must confirm the diagnosis in writing.

No coverage is provided if any symptom or medical problem which initiated the investigation leading to a diagnosis of Cancer commenced within 90 days following the effective date of coverage. In the event of any diagnosis based on such a symptom or medical problem, insurance for the Insured will terminate, and Our sole liability with respect to this benefit will be limited to a refund of premiums paid since the effective date.

Dependent means an Insured’s lawful spouse or Domestic Partner and an Insured’s unmarried child, from the moment of birth to age 25 if a full-time student, who is chiefly dependent on the Insured for support. A child, for eligibility purposes, includes an Insured’s natural child; adopted child, beginning with any waiting period pending finalization of the child’s adoption; or a stepchild who resides with the Insured or depends chiefly on the Insured for financial support. A Dependent may also include any person related to the Insured by blood or marriage and for whom the Insured is allowed a deduction under the Internal Revenue Code. Insurance will continue for any Dependent child who reaches the age limit and continues to meet the following conditions: 1) the child is handicapped, 2) is not capable of self-support and 3) depends chiefly on the Insured for support and maintenance. The Insured must send Us satisfactory proof that the child meets these conditions, when requested. We will not ask for proof more than once a year.

If the Insured has elected coverage for a Dependent child, any newly born child of the Insured will be covered from the moment of birth for 31 days. Coverage may be continued beyond this time period if the Insured notifies Us within 31 days of the child’s birth and pays any required premium.

Domestic Partner means a person of the same or opposite sex of the Insured who: 1) shares the Insured’s primary residence; 2) has resided with the Insured for at least 12 months prior to the date of enrollment and is expected to reside with the Insured indefinitely; 3) is financially interdependent with the Insured in each of the following ways: by holding one or more credit or bank accounts, including a checking account, as joint owners; by owning or leasing their permanent residence as joint tenants; by naming, or being named by the other as a beneficiary of life insurance or under a will; and by each agreeing in writing to assume financial responsibility for the welfare of the other; 4) has signed a Domestic Partner declaration with the Insured, if recognized by the laws of the state in which he or she resides with the Insured; 5) has not signed a Domestic Partner declaration with any other person within the last 12 months; 6) is older than 18 years; 7) is not currently married to another person; and 8) is not in a position as a blood relative that would prohibit marriage.

Heart Attack means the death of a portion of heart muscle as a result of inadequate blood supply to the relevant area. Diagnosis must be confirmed in writing by a Doctor who is a certified cardiologist and should be based on new electrocardiograph changes consistent with heart attack as well as an elevation in cardiac enzyme levels.

Kidney Failure means end-stage renal disease due to chronic irreversible failure of both kidneys’ ability to function, requiring the Insured to undergo regular hemodialysis, peritoneal dialysis, or renal transplantation. A Doctor who is certified in Nephrology must confirm the diagnosis in writing.

Stroke means that the Insured has suffered a cerebrovascular incident, excluding transient ischemic attack (TIA), producing infarction of brain tissue due to thrombosis, hemorrhage from an intracranial vessel or embolization caused by an extracranial source. There must be evidence of measurable permanent neurological deficit persisting for 30 consecutive days, supported by evidence that the deficit is resulting from the Stroke, confirmed in writing by a Doctor who is certified as a neurologist.

Major Organ Transplant means a surgery, as the recipient, for transplantation of any of the following organs or tissues:
heart; 2) liver; 3) lung; 4) kidney; or 5) bone marrow.

Multiple Sclerosis means unequivocal diagnosis by a consulting Doctor who is a certified neurologist of a definite diagnosis of Multiple Sclerosis producing at least two episodes of well-defined neurological abnormalities lasting for a continuous period of at least 180 days and resulting in measurable disability. For an Insured diagnosed with Multiple Sclerosis, he or she must survive for a period of 180 days after diagnosis by a Doctor. The diagnosis must be supported by modern imaging techniques.

Coronary Artery Bypass Surgery means heart surgery to correct narrowing or blockage of one or more coronary arteries with bypass grafts, excluding:

• non-surgical techniques such as balloon angioplasty.
• laser embolectomy; and
• other non-bypass techniques.

Alzheimer’s Disease means a degenerative brain disease of unknown cause that is the most common form of dementia. Memory impairment is a necessary feature for the diagnosis of this type of dementia. Change in one of the following areas must also be present: language, decision-making ability, judgment, attention, and other areas of mental function and personality. It results in a profound intellectual decline characterized by dementia and personal helplessness and is marked histologically by the degeneration of brain neurons especially in the cerebral cortex and by the presence of neurofibrillary tangles and plaques containing beta-amyloid.

Lou Gehrig’s Disease means amyotrophic lateral sclerosis (ALS), a rare fatal progressive degenerative disease that affects pyramidal motor neurons and is characterized by increasing and spreading muscular disease.

Pre-Existing Condition means a Sickness suffered by an Insured for which he or she sought or received medical advice, consultation, investigation, or diagnosis, or for which treatment was required or recommended by a Doctor during the 24 months immediately prior to the Insured’s effective date of coverage, that directly or indirectly causes the condition to occur within the first 24 months from the Insured’s most recent effective date of coverage. This Pre-existing Condition limitation may vary by state. Please refer to the Policy or Outline of Coverage for specific provisions applicable.

Limitations and Exclusions may vary by state. Refer to the Policy or Outline of Coverage for specific provisions applicable.

Benefits will not be payable:

1. for Injury or Sickness, other than one of the Covered Illnesses, even though such Injury or Sickness may have been complicated by one of the Covered Illnesses.
2. for any complication of Human Immunodeficiency Virus (HIV) infection or any variance thereof including AIDS and AIDS Related Complex;
3. for the intentional use, existence or escape of nuclear weapons, material, or ionizing radiation from or contamination by radioactivity from any nuclear fuel or waste from the combustion of nuclear fuel.
4. for misuse of medication or the abuse of drugs or intoxicants:
5. for any Pre-existing Condition, except where coverage has been in effect for a period of 24 consecutive months following the Insured’s effective date of coverage.

We will not pay benefits for any loss or Injury that is caused by, or results from:

1. intentionally self-inflicted Injury.
2. suicide or attempted suicide.
3. war or any act of war, whether declared or not.
4. service in the military, naval or air service of any country.
5. commission of, or attempt to commit, a felony, an assault or other criminal activity.
6. medical or surgical treatment, diagnostic procedure, administration of anesthesia, or medical mishap or negligence, including malpractice.
7. alcoholism, drug addiction or the use of any drug or narcotic, except as prescribed by a Doctor.
8. an accident that occurs while on active-duty service in the military, naval or air force of any country or international organization. Upon Our receipt of proof of service, we will refund any premium paid for this time. Reserve or National Guard active-duty training is not excluded unless it extends beyond 31 days.
9. repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges, or other artificial dental restoration.
10. riding or driving in any kind of race.

This insurance does not apply to the extent that trade or economic sanctions or regulations prohibit Us from providing insurance, including, but not limited to, the payment of claims.

Benefit availability, limitations, exclusions, and definitions may vary by state. Refer to your Outline of Coverage or contact us.

This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance underwritten and provided by ACE American Insurance Company, a Chubb company. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. All products may not be available in all states or certain terms may be different where required by state law. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Chubb, 202 Hall’s Mill Road, Whitehouse Station, NJ 08889-1600.

THIS POLICY PROVIDES SUPPLEMENTAL BENEFITS ON A FIXED INDEMNITY BASIS. IT DOES NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE (OFTEN REFERRED TO AS “MAJOR MEDICAL COVERAGE”) AND DOES NOT SATISFY A PERSON’S INDIVIDUAL OBLIGATION TO SECURE THE REQUIREMENT OF MINIMUM ESSENTIAL COVERAGE UNDER THE AFFORDABLE CARE ACT (ACA). FOR MORE INFORMATION ABOUT THE ACA, PLEASE REFER TO HTTP://WWW.HEALTHCARE.GOV.

Benefits and plans are offered by Benefits for Everyone, LLC, a licensed independent insurance agency, and underwritten by licensed insurance companies and registered associations.

You can view Chubb’s Privacy Policy at http://www.descriptionofcoverage.com/d/cbprivacy

Limitations and Exclusions may vary by state. Refer to the Policy or Outline of Coverage for specific provisions applicable.

This insurance does not apply to:

1. any Accident caused by or resulting from, directly or indirectly, the Covered Person entering, flying or exiting any aircraft while acting or training as a pilot or crew member. This exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life-threatening emergency.
2. cosmetic surgery or care or treatment solely for cosmetic purposes, or complications therefrom. This exclusion does not apply to cosmetic surgery resulting from an Accident if initial treatment of the Covered Person is begun within twelve (12) months of the date of the Accident or to treat congenital defects in covered newborns.
3. any service, supply or care that is Experimental or Investigational.
4. any Accident caused by or resulting from, directly or indirectly, a Covered Person’s participation in scuba diving to depths of more than 130 feet; skydiving; hang-gliding or para-gliding; parascending other than over water; bungee jumping; mountaineering or rock climbing normally requiring the use of guides or ropes; or caving.
5. to any Accident or Sickness caused by or resulting from, directly or indirectly, the Covered Person’s commission or attempted commission of a felony or being engaged in an illegal occupation.
6. any Accident or Sickness caused by or resulting from, directly or indirectly any occurrence while the Covered Person is incarcerated.
7. sex changes or the reversal of tubal ligation and vasectomies, artificial insemination, in vitro fertilization, and test tube fertilization, including any related testing, medications, or Physician’s services, unless required by law.
8. any Accident caused by or resulting from, directly or indirectly, the Covered Person being intoxicated, at the time of an Accident. Intoxication is defined by the laws of the jurisdiction where such Accident occurs.
9. alcoholism or drug or substance abuse. In addition, the insurance does not apply to any confinement in a detoxification facility or drug or alcohol rehabilitation facility that is not also a Hospital or part of a Hospital.
10. Accident or Sickness caused by or resulting from, directly or indirectly, the Covered Person being under the influence of any narcotic or other controlled substance at the time of the loss. This exclusion does not apply if any narcotic or other controlled substance is taken and used as prescribed by a Physician.
11. any benefits for Sickness caused by or resulting from a Covered Person’s Pre-existing Condition if the Sickness occurs during the first 12 months that a Covered Person is insured under this Policy. Pre-existing Condition means a Sickness for which medical advice, treatment or care was sought by a Covered Person or was recommended by, prescribed by or received from a Physician within the 12 months before the Covered Person becomes insured under the policy. This Pre-existing Condition limitation may vary by state. Please refer to the Policy or Outline of Coverage for specific provisions applicable.
12. normal pregnancy. Complications of Pregnancy are covered as any other Sickness.
13. pregnancy of a Dependent Child, unless required by law.
14. any Accident caused by or resulting from, directly or indirectly, the Covered Person participating in any professional sporting activity for which the Covered Person received a salary or prize money.
15. any rest care or custodial care or treatment for any Accident or Sickness.
16. any Accident caused by or resulting from, directly or indirectly, the Covered Person being engaged in or participating in a motorized vehicular race or speed contest.
17. any Accident or Sickness caused by or resulting from, directly or indirectly, the Covered Person participating in military action while in active military service with the armed forces of any country or established international authority.
18. and no benefits are payable related to, the Covered Person’s suicide, attempted suicide or intentionally self-inflicted injury.
19. voluntary abortion, except with respect to You or Your covered spouse or Domestic Partner where such person’s life would be endangered if the fetus were carried to term.
20. any Accident or Sickness caused by or resulting from, directly or indirectly, war, undeclared war, civil war, insurrection, rebellion, revolution, warlike acts by a military force or personnel, any action taken in hindering or defending against any of these or any consequences of any of these acts regardless of any other direct or indirect cause or event, whether covered or not, contributing in any sequence to the loss.
21. any Accident or Sickness arising out of and in the course of any occupation for compensation, wage or profit which are payable under Occupational Disease Law, Workers Compensation or similar law, whether or not application for such benefits have been made.

Benefit availability, limitations, exclusions, and definitions may vary by state. Refer to your Outline of Coverage or contact us.

This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance underwritten and provided by Federal Insurance Company, a Chubb company. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. All products may not be available in all states or certain terms may be different where required by state law. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Chubb, 202 Hall’s Mill Road, Whitehouse Station, NJ 08889-1600.

THIS POLICY PROVIDES SUPPLEMENTAL BENEFITS ON A FIXED INDEMNITY BASIS. IT DOES NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE (OFTEN REFERRED TO AS “MAJOR MEDICAL COVERAGE”) AND DOES NOT SATISFY A PERSON’S INDIVIDUAL OBLIGATION TO SECURE THE REQUIREMENT OF MINIMUM ESSENTIAL COVERAGE UNDER THE AFFORDABLE CARE ACT (ACA). FOR MORE INFORMATION ABOUT THE ACA, PLEASE REFER TO HTTP://WWW.HEALTHCARE.GOV.

Benefits and plans are offered by Benefits for Everyone, LLC, a licensed independent insurance agency, and underwritten by licensed insurance companies and registered associations.

You can view Chubb’s Privacy Policy at http://www.descriptionofcoverage.com/d/cbprivacy

Accident or Accidental means a sudden, unforeseen, and unexpected event which:

1. happens by chance;
2. is independent of illness, disease or other bodily malfunction or medical or surgical treatment thereof;
3. occurs while the Covered Person is insured under this policy which is in force; and
4. is the direct cause of loss.

Covered Person means You and Your insured Dependents.

Dependent means Your Dependent Child, Spouse or Domestic Partner.

Dependent Child means Your unmarried child from the moment of birth, including a natural child, grandchild, stepchild or adopted child from the date of placement with You. The Dependent Child must be primarily dependent upon You for maintenance and support, and must be:

1. under the age of 19;
2. under the age of 25 if enrolled as a full-time student at an Institution of Higher Learning; or
3. classified as an Incapacitated Dependent Child.

Domestic Partner means a person designated by You who is registered as a Domestic Partner or legal equivalent under laws of the governing jurisdiction or who:

1. is at least 18 years of age and competent to enter into a contract;
2. is not related to You by blood;
3. has exclusively lived with You for at least 12 consecutive months prior to the date of enrollment;
4. is not legally married or separated; and
5. as of the date of enrollment, has with You at least two (2) of the following financial arrangements: a) a joint mortgage or lease; b) a joint bank account; c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or d) a joint credit card account with a financial institution. Neither You nor the Domestic Partner can be married to, nor in a civil union with, anyone else.

Pre-existing Condition means a Sickness for which medical advice, treatment or care was sought by a Covered Person or was recommended by, prescribed by or received from a Physician within the 12 months before the Covered Person becomes insured under the policy. This Pre-existing Condition limitation may vary by state. Please refer to the Policy or Outline of Coverage for specific provisions applicable.

Sickness means a physical illness or disease or Mental Illness that begins while the policy is in force and is not a Pre-existing Condition. Sickness includes Complications of Pregnancy. All Sicknesses due to the same or a related cause are considered one Sickness.

This policy provides limited benefits on a fixed indemnity basis. It does not constitute comprehensive health insurance coverage (often referred to as “major medical coverage”) and does not satisfy a person’s individual obligation to secure the requirement of minimum essential coverage under the Affordable Care Act (ACA). For more information about the ACA, please refer to http://www.HealthCare.gov.

Benefit availability, limitations, exclusions, and definitions may vary by state. Refer to your Outline of Coverage or contact us.

This benefit is payable for Covered Expenses that result directly, and from no other cause, from a Covered Accident, subject to the Deductible, Co-insurance Rate, benefit maximums and other terms or limits of the Policy. Accident Medical Expense Benefits are only payable:

1. for Usual and Customary Charges incurred after the Deductible has been met;
2. for those Medically Necessary Covered Expenses that the Insured receives;
3. as long as the first expense is incurred within 90 days of the Covered Accident; and
4. for charges incurred within one year of the Covered Accident.

No benefits will be paid for any expenses incurred that are in excess of Usual and Customary Charges or that is payable under another health plan covering the Insured for Medical or Dental Expense Benefits.

Covered Medical Expenses include:

1. Treatment by a Doctor;
2. Care given by a Graduate Nurse;
3. Confinement in a Hospital;
4. Ambulance service to and from the Hospital; and
5. Services and supplies order by a Doctor.

The benefits payable under the Policy will be paid on an excess basis over and above any benefits or services provided for by:

1. any other valid or collectible insurance; or
2. any other form of indemnity payable by those responsible for the loss, such as an airline carrier.

In no event will Our payment, when combined with such other payments, exceed 100% of the Covered Expenses incurred. The amount of benefits provided by other valid and collectible or other forms of indemnity:

1. will be determined without reference to any: a) coordination of benefits provision; b) non- duplication of benefits provision; or c) other similar provision; and
2. will include any benefits to which the Insured is entitled, regardless of whether claim is made.

We pay Covered Expenses:

1. after the Insured satisfies any Deductible; and
2. only when they are in excess of amounts paid by any other Health Care Plan. Benefits will be paid without regard to any Coordination of Benefits provisions in any Health Care Plan.

Covered Expenses means expenses actually incurred by or on behalf of an Insured for treatment, services and supplies covered by this Policy. Coverage under this Policy must remain continuously in force from the date of the Covered Accident until the date treatment, services or supplies are received for them to be a Covered Expense. A Covered Expense is deemed to be incurred on the date such treatment, service or supply, that gave rise to the expense or the charge, was rendered or obtained.

Dependent means an Insured’s lawful spouse or Domestic Partner and an Insured’s unmarried child, from the moment of birth to age 25 if a full-time student, who is chiefly dependent on the Insured for support. A child, for eligibility purposes, includes an Insured’s natural child; adopted child, beginning with any waiting period pending finalization of the child’s adoption; or a stepchild who resides with the Insured or depends chiefly on the Insured for financial support.

A Dependent may also include any person related to the Insured by blood or marriage and for whom the Insured is allowed a deduction under the Internal Revenue Code. Insurance will continue for any Dependent child who reaches the age limit and continues to meet the following conditions:

1. the child is handicapped,
2. is not capable of self-support and
3. depends solely on the Insured for support and maintenance.

The Insured must send Us satisfactory proof that the child meets these conditions, when requested. We will not ask for proof more than once a year.

If the Insured has elected coverage for a Dependent child, any newly born child of the Insured will be covered from the moment of birth for 31 days. Coverage may be continued beyond this time period if the Insured notifies Us within 31 days of the child’s birth and pays any required premium.

Domestic Partner means a person of the same or opposite sex of the Insured who:

1. shares the Insured’s primary residence;
2. has resided with the Insured for at least 12 months prior to the date of enrollment and is expected to reside with the Insured indefinitely;
3. is financially interdependent with the Insured in each of the following ways: by holding one or more credit or bank accounts, including a checking account, as joint owners; by owning or leasing their permanent residence as joint tenants; by naming, or being named by the other as a beneficiary of life insurance or under a will; and by each agreeing in writing to assume financial responsibility for the welfare of the other;
4. has signed a Domestic Partner declaration with the Insured, if recognized by the laws of the state in which he or she resides with the Insured;
5. has not signed a Domestic Partner declaration with any other person within the last 12 months;
6. is older than 18 years;
7. is not currently married to another person; and 8) is not in a position as a blood relative that would prohibit marriage.

Pre-existing Condition means an illness, disease or other condition of the Insured, that in the 12 month period before the Insured’s coverage became effective under this Policy:

1. First manifested itself, worsened, became acute or exhibited symptoms that would have caused a person to seek diagnosis, care or treatment; or
2. Required taking prescribed drugs or medicines, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or
3. Was treated by a Doctor or treatment had been recommended by a Doctor.

This Pre-existing Condition limitation may vary by state. Please refer to the Policy or Outline of Coverage for specific provisions applicable.

Usual and Customary Charge means the average amount charged by most providers for treatment, service or supplies in the geographic area where the treatment, service or supply is provided.

Limitations and Exclusions may vary by state. Refer to the Policy or Outline of Coverage for specific provisions applicable.

We will not pay Accident Medical Expense Benefits for any loss, treatment or services resulting from or contributed to by:

1. Pre-existing Conditions.
2. treatment by persons employed or retained by his or her employer, or by any Immediate Family Member or member of the Insured’s household.
3. treatment of sickness, disease or infections except pyogenic infections or bacterial infections that result from the accidental ingestion of contaminated substances.
4. 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.
5. pregnancy, childbirth, miscarriage, abortion or any complications of any of these conditions.
6. damage to or loss of dentures or bridges, or damage to existing orthodontic equipment (except as specifically covered by the Policy.
7. expense incurred for treatment of temporomandibular or craniomandibular joint dysfunction and associated myofacial pain (except as provided by the Policy).
8. Injury covered by Workers’ Compensation, Employer’s Liability Laws or similar occupational benefits.
9. cosmetic surgery, except for reconstructive surgery needed as the result of an Injury.
10. 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 generally accepted medical practices in the United States.
11. eyeglasses, contact lenses, hearing aids, wheelchairs, braces, appliances, examinations or prescriptions for them, or repair or replacement of existing artificial limbs, orthopedic braces, or orthotic devices.
12. medical expenses paid or payable under any mandatory no fault automobile insurance contract or mandatory basic reparations benefit of no fault. (This exclusion does not apply in any state where prohibited).
13. treatment of Injuries that result over a period of time (such as blisters, tennis elbow, etc.), and that are a normal, foreseeable result of participation in the Covered Activity.
14. replacement of artificial limbs, eyes and larynx.
15. eye refractions or eye examinations for the purpose of prescribing corrective lenses or for the fitting thereof, unless caused by an Injury incurred while covered under the Policy.
16. covered medical expenses for which the Insured would not be responsible for in the absence of the Policy.
17. conditions that are not caused by a Covered Accident.
18. personal comfort or convenience items. These include but are not limited to: Hospital telephone charges; television rental; or guest meals.
19. routine nursery care.
20. routine physicals.
21. cosmetic or plastic surgery, except as a result of Injury.
22. any mental or nervous disorder or rest cures.
23. birth defects and congenital anomalies; or complications which arise from such conditions.
24. routine dental care and treatment.
25. organ or tissue transplants and related services.
26. confinement of institutional care.
27. services, supplies, or treatment including any period of Hospital confinement which were not recommended, approved and certified as necessary and reasonable by a Doctor; or expenses which are non-medical in nature.
28. treatment by an Immediate Family Member.
29. nasal or sinus surgery, except surgery made necessary as the result of a covered Injury a deviated nasal septum including submucous resection and surgical correction thereof.

No benefits will be paid for any expenses incurred that are in excess of Usual and Customary Charges or that is payable under another health plan covering the Insured for Medical or Dental Expense Benefits.

We pay Covered Expenses:
1} after the Insured satisfies any Deductible: and 2} only when they are in excess of amounts paid by any other Health Care Plan. Benefits will be paid without regard to any Coordination of Benefits provisions in any Health Care Plan.

Disclaimer
We will not pay benefits for any loss or Injury that is caused by, or results from:

1. 1.intentionally self-inflicted Injury.
2. suicide or attempted suicide.
3. war or any act of war, whether declared or not.
4. service in the military, naval or air service of any country.
5. commission of, or attempt to commit, a felony, an assault or other criminal activity.
6. medical or surgical treatment, diagnostic procedure, administration of anesthesia, or medical mishap or negligence, including malpractice.
7. alcoholism, drug addiction or the use of any drug or narcotic, except as prescribed by a Doctor.
8. an accident that occurs while on active duty service in the military, naval or air force of any country or international organization. Upon Our receipt of proof of service, We will refund any premium paid for this time. Reserve or NationalGuard active duty training is not excluded unless it extends beyond 31 days.
9. repair or replacement of existing dentures, partial dentures, braces, fixed or removable bridges, or other artificial dental restoration.
10. riding or driving in any kind of race.
    This insurance does not apply to the extent that trade or economic sanctions or regulations prohibit Us from providing insurance, including, but not limited to, the payment of claims.

Benefit availability, limitations, exclusions, and definitions may vary by state. Refer to your Outline of Coverage or contact us.

This information is a brief description of the important features of this insurance plan. It is not an insurance contract. Insurance underwritten and provided by ACE American Insurance Company, a Chubb company. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at www.chubb.com. All products may not be available in all states or certain terms may be different where required by state law. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Chubb, 202 Hall’s Mill Road, Whitehouse Station, NJ 08889-1600.

THIS POLICY PROVIDES SUPPLEMENTAL BENEFITS ON AN EXPENSE INCURRED BASIS. IT DOES NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE (OFTEN REFERRED TO AS “MAJOR MEDICAL COVERAGE”) AND DOES NOT SATISFY A PERSON’S INDIVIDUAL OBLIGATION TO SECURE THE REQUIREMENT OF MINIMUM ESSENTIAL COVERAGE UNDER THE AFFORDABLE CARE ACT (ACA). FOR MORE INFORMATION ABOUT THE ACA, PLEASE REFER TO HTTP://WWW.HEALTHCARE.GOV.

Benefits and plans are offered by Benefits for Everyone, LLC, a licensed independent insurance agency, and underwritten by licensed insurance companies and registered associations.

You can view Chubb’s Privacy Policy at http://www.descriptionofcoverage.com/d/cbprivacy