• operating any type of vehicle while under the influence of alcohol or any drug, narcotic or other intoxicant including any prescribed drug for which the Covered Person has been provided a written warning against operating a vehicle while taking it. ''Under the influence of alcohol'', for purposes of this exclusion, means intoxicated, as defined by the law of the state in which the Covered Injury or Covered Illness occurred.
b) The following exclusion is modified as shown below: • services or treatment rendered by a Physician, Nurse or any other person who is: a. employed or retained by Policyholder; b. providing homeopathic, aroma-therapeutic or herbal therapeutic services. c. living in the Covered Person’s household; d. a parent, sibling, spouse or child of the Covered Person.
Treatment by family members does apply in those areas in which the family member is the only Physician in the area and is acting within their scope of practice.
c) The Pre-Existing Condition Limitation is replaced with the following:
No benefit will be paid for a Covered Injury or Covered Sickness which is caused, contributed to by, or resulting from a Pre-existing Condition during the first 12 months following the most recent effective date of the Covered Person’s coverage, and the ef fective date of any added or increased amount of coverage. The term “Pre - existing Condition” means any Sickness or Injury for which a Covered Person received medical treatment, advice, care or services including diagnostic measures, or took prescribed drugs or medicines within 6 months before the Covered Person’s most recent effective date of coverage, and the most recent effective date of any added or increased amount of coverage.
The Pre-existing Condition Limitation will apply to any added benefits or increases in benefits.
4) Under the Disability Income Rider the following changes are made:
a) the Pre-Existing Condition Limitation is replaced with the following:
Coverage under this Rider is subject to a Pre-existing Condition Limitation.
No benefit will be paid for a Disability caused, or contributed to by, or resulting from a Pre-existing Condition during the first 12 months following the most recent effective date of the Covered Person’s coverage, and the effective date of any added or increased amount of coverage. The term “Pre - existing Condition” means any Sickness or Injury for which a Covered Person received medical treatment, advice, care or services including diagnostic measures, or took prescribed drugs or medicines within 6 months before the Covered Person’s most recent effective date of coverage, and the most recent effective date of any added or increased amount of coverage.
The Pre-Existing Condition Limitation will apply to any added benefits or increases in benefits.
b) The Exclusions are revised as follows:
Injuries or illnesses that occur in the workplace or during the course of any employment for pay, benefit, or profit.
5) Under the Critical Illness Insurance Rider the following changes are made:
a) The Pre-Existing Condition Limitation is revised as follows:
Coverage under this Rider is subject to a Pre-existing Condition Limitation.
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