Hartford FT - AD&D - Exclusions



What losses are not covered?
The Policy does not cover any loss caused or contributed to by:

  1. intentionally self-inflicted Injury;
  2. suicide or attempted suicide, whether sane or insane;
  3. war or act of war, whether declared or not;
  4. Injury sustained while on full-time active duty as a member of the armed forces (land, water, air) of any country or international authority;

    (We will refund the pro rata portion of any premium paid for You while You are in the armed forces on full-time active duty, for a period of two months or more. Written notice must be given to Us within 12 months of the date You enter the armed forces);

  5. Injury sustained while taking drugs, including but not limited to sedatives, narcotics, barbiturates, amphetamines, or hallucinogens unless as prescribed by or administered by a Physician;
  6. Injury sustained while riding or driving in a scheduled race or testing any Motor Vehicle on tracks, speedways or proving grounds;
  7. Injury sustained while committing or attempting to commit a felony; or
  8. Injury sustained while Intoxicated.

Intoxicated means:

  1. the blood alcohol content;
  2. the results of other means of testing blood alcohol level; or
  3. the results of other means of testing other substances;

that meet or exceed the legal presumption of intoxication, or under the influence, under the law of the state where the accident occurred.