Exclusions include:

• Pre-existing conditions
• Illness caused by intentional acts (sane or insane)
  • Self-harm
  • Related to drug/alcohol addiction
  • Related to HIV/AIDS
• Claims within the first 90 days of coverage
  • You will not be able to claim in the first 90 days after getting this policy.
  • If your policy coverage ends, this 90 day-term resets.