SECTION 260:50-5-24. Limitations and exclusions for life plans

  For the life plans provided by EGID, there is no coverage for expenses incurred for or in connection with any of the items listed below:

(1)   There is no coverage for employee life or dependent life benefits during the first twenty-four [24] months of coverage when death is the result of suicide. The twenty-four [24] month exclusion for death by suicide will begin on the effective dates of all elective increases in coverage, and will apply to all increased amounts of coverage which have been in effect for less than twenty-four [24] months on the date of the act causing the insured's death.

(2)   There is no coverage for accidental death and dismemberment benefits or loss of sight benefits when such occurs as a result of the following:

(A)   Suicide, attempted suicide or intentional self destruction, or intentionally self-inflicted injury while sane or insane,

(B)   Committing an assault or felony, including participation as an aggressor in a riot or insurrection,

(C)   Wholly or partly, directly or indirectly, by disease, physical or mental, or by medical or surgical treatment or the diagnosis of any of the foregoing,

(D)   Wholly or partly, directly or indirectly by bacterial infection, other than septic infection of and through a visible wound sustained solely through external and accidental means,

(E)   Any narcotic, drug, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled, unless prescribed for the exclusive use of the deceased, or administered by a licensed provider for a legal purpose,

(F)   Hang gliding, sky diving and flying experimental aircraft.

[Source: Added at 31 Ok Reg 1390, eff 9-12-14]