In no event will we pay benefits where the insured’s accident, injury or loss is caused or contributed to by any of the following:
1) self-inflicted Injury; 2) suicide or attempted suicide; 3) the Insured’s commission of a felony for which the Insured was convicted in a court of competent jurisdiction; 4) bodily or mental infirmity, illness, disease, or infection, other than infection occurring simultaneously with, and as a direct and independent result of, the Injury; 5) the Insured’s use of alcohol; 6) the Insured’s voluntary use of prescription drugs, non-prescription drugs, illegal drugs, medications, poisons, gases, fumes, or other substances taken, absorbed, inhaled, ingested, or injected, unless taken or used as prescribed by a Physician, or an over-the-counter drug as directed by the manufacturer; 7) motor vehicle collision or Accident where the Insured is the operator of the motor vehicle and the Insured’s blood alcohol level meets or exceeds the level at which intoxication is defined in the state where the collision or Accident occurred; 8) medical or surgical treatment or diagnostic procedures including any resulting complications, or when the outcome is not as planned or expected, including claims of medical malpractice; 9) travel in or descent from any aircraft, except as a fare-paying passenger on a regularly scheduled commercial flight on a licensed passenger aircraft; 10) war or any act of war (not including acts of terrorism), whether declared or undeclared; 11) the Insured’s participation in the following activities: scuba diving, bungee jumping, base jumping, hang gliding, sail gliding, parasailing, parakiting, or mountain climbing; 12) the Insured riding or driving in any motor-driven vehicle in a race, stunt show or speed test; 13) the Insured practicing for or participating in any semi-professional or professional competitive athletics; or 14) repetitive stress syndromes including but not limited to rotator cuff syndrome, bursitis, tendinitis, carpal tunnel syndrome, ulnar nerve syndrome, stress fractures, neuropathy, epicondylitis, or neuritis.