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SECTION 5-EXCLUSIONS AND LIMITATIONS Our liability under this Policy will not be increased if the Plan provides more liberal exclusions and limitations provisions. In addition to the exclusions and limitations provided under the Plan, this Policy will not cover any of the following (unless such exclusion or limitation is specifically waived by rider or endorsement): 1. Deducnbles, co-payment amounts, or any other charges which are not payable under the terms of the Plan or charges which are payable by the Plan, or to You from any other source. 2. Charges for Experimental or Investigative services, treatments or supplies; or drugs which have not been approved by the Food and Drug Administration. 3. Any conditions for which benefits of any kind are paid or payable, by judgment or settlement, under any Worker's Compensation or Occupational Law, even if the Covered Person fails to claim his or her rights to such benefits. 4. Clairro.s for a Covered Person who, on the date that coverage ll..l1der tPis Policy would othef'Nise begin, is an employee who is not actively at work at his or her normal job or is a retired employee or dependent of an employee who is unable to perform the normal activities of a person of like age or sex. No benefits will be provided for any charges Incurred until the day after the date that such Covered Person if an employee returns to active work on a full-time basis or if a retired employee or eligIble dependent of an employee is able to perform the normal activities of a person oflike age and sex. 5. Charges resulting from any extra or non-contractual damages or legal fees and expenses for the defense thereof, or any fines or statutory penalties. 6. Any procedure or treatment to change physical characteristics to those of the opposite sex, or any other treatment or studies related to a sex change or treatment of sexual disorders. 7. Any services funnshed by an institution wInch is prinmrily a rest home, a place for the aged, a nursing home, a convalescent home, a place for custodial care, or any other place of like character. 8. Services or expenses for charges Incurred as a result of suicide or attempted suicide, whether sane or insane; or intentional self-inflicted injury or illness. 9. Injury or illness which occurs due to a Covered Person's commission of, or attempt to commit a criminal act or wllile a Covered Person is engaged in an illegal activity. 10. Legal expenses of any kind or description, including legal expenses related to or Incurred for the confinement of a Covered Person or any compulsory process to adopt, abstain from, or cease to continue a particular mode of treatment, care or therapy. 11. Services done for cosmetic purposes, unless performed to correct functional disorders or congenital anomalies; or due to accidental injury occurring wllile that individual is a Covered Person. SL-200l 10 (6/01)