INSURANCE

Accidental Medical Expense                     Players                          Coaches

Maximum Benefit Per Injury                       $25,000                              $25,000

Deductible Per Injury                                          $0                                        $0

Other Health Plan Reduction                          50%                                     50%

Benefit Period (in weeks)                                  52                                          52

Primary or Excess                                           Excess                                   Excess

Reporting Period (in days)                                90                                          90

Accidental Death                                        Players                           Coaches

Principal Sum                                                 $25,000                                $25,000

Accidental Dismemberment                   Players                           Coaches

Maximum Benefit                                         $25,000                                $25,000

Excluded Expenses

The following will not be considered Covered Expenses unless coverage is specifically provided:

1. Blood, blood plasma or blood storage except expenses by a Hospital for processing or administration of blood.
2. Cosmetic surgery or care, or treatment solely for cosmetic purposes, or complications therefrom. This exclusion does not apply to (a) cosmetic surgery resulting from an accident, if initial treatment of the Covered Person
   is begun within 12 months of the date of the Accident (b) reconstruction incidental to or following surgery resulting from a Covered Accident.
3. Any elective or routine: treatment; surgery; health treatment; or examinations;
   including any service, treatment or supplies that are (a) deemed by Us to be experimental or investigational; and (b) are not recognized and generally accepted medical practice in the United States.
4. Treatment in any Veterans’ Administration, Federal or state facility unless there is a legal obligation to pay.
5. Services or treatment provided by persons who do not normally charge for their
   services, unless there is a legal obligation to pay.
6. Rest cures or custodial care.
7. Repair or replacement of: existing dentures; partial dentures; braces; or bridgework.
8. Personal services such as television and telephone, or transportation.
9. Expenses payable by any automobile insurance policy without regard to fault.
10. Services or treatment provided by an infirmary operated by the Policyholder or
    Subscriber.
11. Treatment of injuries that result over a period of time, such as blisters, tennis elbow, or are a normal, foreseeable result of participation in the Covered Activity.
12. Treatment or service provided by a private duty nurse.
13. Treatment of hernia of any kind.
14. Treatment of injury resulting from a condition that a Covered Person knew existed on the date of a Covered Accident, unless we have received a written medical release from his Physician.

Common Exclusions

In addition to any benefit or coverage specific exclusion, benefits will not be paid for any loss which directly or indirectly, in whole or in part, is caused by or results from any of the following unless coverage is specifically provided for by name in the Benefits Section or Covered Conditions:

1. Intentionally self-inflicted injury, suicide, auto-eroticism or any attempt while sane or insane;
2. Commission or attempt to commit a felony or an assault;
3. Commission of or active participation in a riot or insurrection;
4. Declared or undeclared war or act of war or any act of declared or undeclared war unless specifically provided by the Policy;
5. Release, whether or not accidental, or by any person unlawfully or intentionally, of nuclear energy or radiation, including sickness or disease resulting from such release;
6. A Covered Loss 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, the Company will refund any premium paid for this time. Reserve or National Guard active duty training is not excluded unless it extends beyond 31 days;
7. Travel or activity outside the contiguous United States;
8. Flight in, boarding or alighting from, an aircraft or any craft designed to fly above the Earth's surface: (a) except as a fare-paying passenger on a regularly scheduled commercial airline; (b) being flown by the Insured Person or in which the Insured Person is a member of the crew; (c) being sued for (i) crop dusting, spraying or seeding, giving and receiving flying instructions, fire fighting, sky writing, sky diving or hang-gliding, pipeline or power line inspection, aerial photography or exploration, racing endurance test, (ii) any operation that requires a special permit from the FAA, even if it is granted (this does not apply if the permit if required only because of the territory flown over or landed on; (d) designed for flight above or beyond the earth's atmosphere; (e) including an ultra-light or glider; (f) being used for the purpose of parachuting or skydiving; (g) being used by any military authority, except an Aircraft used by the air mobility command or its foreign equivalent;
9. Travel in any Aircraft owned, leased or controlled by the Policyholder or any of its subsidiaries or affiliates. An Aircraft will be deemed to be "controlled" by the Policyholder if the Aircraft may be used as the Policyholder wishes for more than 10 straight days, or more than 15 days in any year;
10. Sickness, disease, bodily or mental infirmity, bacterial or viral infection or medical or surgical treatment thereof, including exposure, whether or not accidental, to viral bacterial or chemical agents whether the loss results directly or non directly from the treatment except for any bacterial infection resulting from an accidental external cut or wound or accidental ingestion of contaminated food;
11. Medical or surgical treatment, diagnostic procedure, administration of anesthesia, or medical mishap or negligence, including malpractice unless it occurs during treatment of injuries sustained in a Covered Injury;
12. A cardiovascular, event or stroke resulting, directly and independently of all other causes, from exertion, as verified by a Physician, while the Insured Person participated in a Covered Activity;
13. Voluntary ingestion of any narcotic, drug, poison, gas or fumes, unless prescribed or taken under the direction of a Physician and taken in accordance with the prescribed dosage;
14. The Insured Person's intoxication. The Insured Person is conclusively deemed to be intoxicated if the level in his 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 is in fact operating a motor vehicle, when the injury occurs. An autopsy report from a licensed medical examiner, law enforcement officers report, or similar items will be considered proof of the Insured Person's intoxication;
15. Travel in or on any on-road and off-road motorized vehicle except a golf cart or other vehicle we specifically agree to cover, that does not require licensing as a motor vehicle;
16. Participation in any motorized race or contest of speed;
17. An accident if the Insured Person is the operator of a motor vehicle and does not possess a valid motor vehicle operator's license, unless; (a) the Insured Person holds a valid learners permit and (b) the Insured Person is receiving instruction from a driver's education instructor;
18. Injuries compensable under Worker's Compensation law or any similar law;
19. Participation in any sports activity not specifically authorized, sponsored and supervised by the Policyholder whether or not it takes place on Policyholder premises or during a Covered Activity, including but not limited to snowboarding, skateboarding, motorcycle racing, racing rocket-powered, jet propelled or nuclear-powered vehicles;
20. Participation in any team sport or any other athletic activity, except participation in a Covered Activity.

In addition, benefits will not be paid for services or treatment rendered by any person who is: (a) employed or retained by the Policyholder; (b) living in the Insured Person's household; (c) an Immediate Family Member including Eligible Domestic Partner of either the Insured Person or the Insured Person's spouse; (d) the Insured Person.