suicide or any attempt at suicide; intentionally self-inflicted Injury or any attempt at intentionally self-inflicted Injury, including, but not limited to, any attempt to restrict the flow of oxygen to the brain for purposes of autoeroticism or auto-erotic asphyxiation; 

illness, disease, or infections of any kind, regardless of how contracted; medical or surgical treatment of illness, disease or infections; or complications following the surgical treatment of illness, disease or infection except for Accidental ingestion of contaminated foods;

cosmetic surgery, except for reconstructive surgery that is Medically Necessary due to a Covered Injury;

hernia of any kind; hemorrhoids of any kind; Osgood-Schlatter’s Disease; osteochondritis; appendicitis; osteomyelitis; cardiac disease or conditions; pathological fractures; congenital weakness; detached retina unless caused by a Covered Injury; or mental disorder or psychological or psychiatric care or treatment whether or not caused by a Covered Accident;

war, or any act of war, whether declared or undeclared;

involvement in any type of active military service; 

treatment provided in a governmental Hospital unless the Insured Person  is legally obligated to pay such damages;

any Injury for which the Insured Person is entitled to benefits pursuant to any Workers' Compensation Law or other similar legislation;

any Injury for which the Insured Person is entitled to recover benefits from a third party;

the Insured Person being under the influence of intoxicants or drugs, unless taken under the advice and in accordance with the directions of a Physician operating within the scope of his or her authority. The Insured Person is conclusively deemed to be under the influence of intoxicants if the level of alcohol in his or her blood exceeds the amount at which a person is presumed, under the law of the locale in which the Accident occurred, to be under the influence of alcohol if operating a motor vehicle, regardless of whether he or she is in fact operating a motor vehicle when the Injury occurs. An autopsy report from a licensed medical examiner, law enforcement officer reports, or similar items will be considered proof of the Insured Person’s intoxication.;

participation in the commission or attempted commission of a crime, any felony, an assault, insurrection or riot; or any Injury resulting from a provoked attack;

a cardiovascular event or stroke caused by exertion prior to or at the same time as an Accident;

air travel, except as a fare paying passenger on a scheduled commercial flight;

riding in or on, entering into or alighting from, or being struck by a two (2) or three (3)-wheeled motor vehicle or a motor vehicle not designed primarily for use on public streets and highways.