As with any accidental injury coverage, Student Accident benefits will not cover, and we will not be responsible for any payment for, nor is any contribution or premium charged for, any claim based upon, arising out of, directly or indirectly resulting from or in consequence of the following:

1. illness, sickness or disease in any form, viral or bacterial or other infection, except an infection which will directly result from or be in direct consequence of an accidental injury.
2. ingestion of a contaminant, pollutant, poison, toxin, or any such material.
3. treatment for hernia, all types, regardless of cause; Osgood Schlatter disease or Osteochondritis Dessicans.
4. injury sustained by fighting, brawling, during the commission of a crime, vandalism, or other illegal activity, unless the student was an innocent bystander.
5. suicide or any self-inflicted injury.
6. injury sustained as a result of a student’s participation in a summer camp that is not sanctioned by IHSA, skiing, snow-boarding, snow-mobiling, motorcycling, skydiving, hang gliding, or travel in any motorized or engine vehicle, except for travel in a four-wheeled passenger vehicle, owned or leased, operated and directly supervised by qualified and authorized school employees.
7. injury while under the influence of any drug, alcohol, narcotic or intoxicant of any sort or resulting from or in consequence from such use unless used as prescribed by the student’s physician for the student’s use.
8. re-injury or complication of a pre-existing condition.
9. care, treatment or medication received by any person employed by or retained by the school, or any of his or her family members.
10. care, treatment or medication for which a student is entitled to receive reimbursement under any workers’ compensation law, or for which the student is entitled to benefits from any municipal, state or federal program.
11. injury to a pre-K or college student.
12. the practice or play of ice hockey, whether during gym class, an intramural activity, interscholastic competition, or otherwise.
13. the practice or play of football in Grade 9-12, whether during an intramural activity, interscholastic competition, or otherwise; except that, subject to the Plan of Coverage’s terms, conditions, limitations and exclusions, coverage will be provided for IHSA sanctioned Grade 9-12 interscholastic tackle football above $25,000 per Eligible Person up to the annual limit of $5,000,000 as stated on the Certificate of Coverage attached to the Plan of Coverage.  Coverage may be provided for IHSA sanctioned Grade 9-12 interscholastic tackle football up to a $25,000 maximum limit for an Eligible Person, subject to the Plan of Coverage’s terms, conditions, limitations and exclusions, but only if payment for this optional coverage has been received by ISDA.
14. eye glasses, contact lenses, or hearing aids.
15. accident occurring outside of the United States.
16. prescription or over the counter medication, drug or ointment.
17. travel or flight in, ascent or descent to or from any aircraft, unless the student is a passenger, as a result of a School Activity, on a regularly scheduled flight with a commercial airline, or an aircraft chartered solely for the purpose of travel to or from the School Activity. The aircraft must have a valid airworthiness certificate from the jurisdiction in which it is operated, and be operated by a duly licensed pilot.
18. charge which exceeds an Usual and Customary Expense, as defined in the Plan of Coverage.
19. additional cost for failure to use preferred providers required by an entity, which issued primary coverage to a student.
20. charge incurred for services or supplies not specifically provided for in the Plan of Coverage, or is not for a Medically Necessary Service, as defined in the Plan of Coverage.
21. cosmetic surgery.
22. declared or undeclared war, any riot or civil commotion.
23. nuclear risk or terrorism.

Additional Limitations

• School Time protection is available only to students while enrolled in Illinois public school districts which are members of WCSIT that received a Plan and Certificate of Coverage from the Illinois School District Agency (ISDA).
• Covered benefits and expenses are subject to an annual maximum stated on the Certificate of Coverage issued to your school, and subject to other terms, conditions, limitations, and exclusions some of which are outlined in this brochure.
• The optional coverage described in this brochure will be effective only on the condition that ISDA has received the additional payment due for the optional coverage.
• Keep this brochure as a summary of benefits. A Certificate of Coverage will only be issued and sent to you if you purchase the optional coverage. The Plan and Certificate of Coverage, which contain detailed provisions of the terms and conditions summarized in this brochure, are on file at your school. You may request a copy of these documents from your school at any time.

OTHER COVERAGE

No payment will be made for any benefit or expense when the benefit or expense is payable under any other plan of coverage, including but not limited to: any individual or group hospital, medical, dental or surgical plan, certificate, policy, or coverage agreement, whether on an indemnity or on a provision of service basis; any workers’ compensation or employer’s liability coverage; or coverage provided by an HMO, PPO, a self-insured plan, self-insured pool, Medicaid, or any public assistance program; any coverage provided by the Illinois High School Association (IHSA) or any other association; any automobile insurance or plan, any accident policy or plan, or any catastrophe or umbrella coverage program.

ANY COVERAGE DESCRIBED IN THIS BROCHURE WILL BE AT ALL TIMES EXCESS OF ANY OTHER INSURANCE,
COVERAGE OR BENEFIT, IN WHATEVER FORM OR DESIGNATION, EXCEPT FOR ANY ACCIDENTAL DEATH OR
DISMEMBERMENT INSURANCE OR COVERAGE.