Ins 3.27(10)(i)(i) The exceptions, reductions and limitations referred to in this subsection shall include:
Ins 3.27(10)(i)1.1. Those which are set out in the policy under captions referring to exceptions, reductions, limitations or exclusions or are otherwise designated as such, and
Ins 3.27(10)(i)2.2. Those which are not so captioned or designated contained in other portions of the policy such as a benefit provision, definition or uniform provision.
Ins 3.27(10)(j)(j) The following are examples of exceptions, reductions and limitations which generally do affect the basic policy provisions to such an extent that their absence would cause the advertisement to have the capacity and tendency to mislead or deceive.
Ins 3.27(10)(j)1.1. War or act of war.
Ins 3.27(10)(j)2.2. While in armed services.
Ins 3.27(10)(j)3.3. Territorial restriction or coverage within United States and Canada.
Ins 3.27(10)(j)4.4. Complete aviation exclusion.
Ins 3.27(10)(j)5.5. Self-inflicted injury.
Ins 3.27(10)(j)6.6. Injury inflicted by another person.
Ins 3.27(10)(j)7.7. Time limitation on death, dismemberment or commencement of disability or medical treatment following an accident.
Ins 3.27(10)(j)8.8. Pre-existing sickness or disease or other bodily infirmity.
Ins 3.27(10)(j)9.9. Exclusion or reduction for loss due to specific diseases, classes of diseases or types of injuries.
Ins 3.27(10)(j)10.10. Confinement restrictions in disability policies such as house confinement, bed confinement and confinement to the premises.
Ins 3.27(10)(j)11.11. Waiting, elimination, probationary or similar periods.
Ins 3.27(10)(j)12.12. Reduction in benefits because of age.
Ins 3.27(10)(j)13.13. Any reduction in benefit during a period of disability.
Ins 3.27(10)(j)14.14. Workers’ compensation or employers’ liability law exclusion.
Ins 3.27(10)(j)15.15. Occupational exclusion.
Ins 3.27(10)(j)16.16. Violation of law.
Ins 3.27(10)(j)17.17. Automatic benefit in lieu of another benefit.
Ins 3.27(10)(j)18.18. Confinement in government hospital.
Ins 3.27(10)(j)19.19. Pregnancy.
Ins 3.27(10)(j)20.20. Miscarriage in sickness or accident and sickness policy.
Ins 3.27(10)(j)21.21. Restrictions relating to organs not common to both sexes.
Ins 3.27(10)(j)22.22. Restrictions on number of hospital hours before benefit accrues.
Ins 3.27(10)(j)23.23. Insanity, mental diseases or disorders or nervous disorder.
Ins 3.27(10)(j)24.24. Dental treatment, surgery or procedures.
Ins 3.27(10)(j)25.25. Cosmetic surgery.