Emergency Medical Insurance benefits.

Life insurance exclusions and limitations. The following are excluded from coverage. What limitations apply to the benefits payable. For information regarding these exclusions please refer to the certificate.

This exclusion provides that death of an insured because of certain activities like auto. Expenses that are payable under a Workers Compensation Act or similar legislation or by any government agency. The exclusions and limitations under CIBC Critical Illness Insurance are.

However beneficiaries may receive a refund of the premiums that have been paid. INDIVIDUAL WHOLE LIFE INSURANCE POLICY. Group critical illness exclusions and limitations.

Suicide - Most life insurance policies list suicide as an exclusion. All Exclusions Limitations apply to each insured person under this insurance regardless of plan type or Health Option. Stage 1A malignant melanoma melanoma less than or equal to 10 mm in thickness not ulcerated and without level IV or V invasion.

General Exclusions And Limitations No benefit is payable for. Suicide If the insured dies by suicide while sane or insane within two years from the policy effective date our liability under this policy is limited to the premiums paid. A supplemental or voluntary life benefit will not be paid if death occurs by suicide within two years or as allowed by state law of purchasing this coverage.

For a list of limitations and exclusions under the Group Term Life Insurance and Accidental Death Dismemberment Insurance program please refer to Section 4 page 17 of the Retirees Benefits Book. Exclusions are specific items or circumstances which your beneficiaries are excluded from meaning they wont receive payment upon your death if you die from certain causes. Your day of booking applies to.