ACCIFAMILY

1. The death of an insured resulting from suicide. However, if the death of an insured eligible for the natural death benefit results from suicide and the insurance has been in force with the Company for two continuous years without interruption, an amount equal to this benefit is payable. In such a case, any increase in the face amount resulting from the purchase of the MACCIMUM option is subject to an exclusion period of two continuous years of insurance.
2. Natural death resulting from an illness for which the insured had consulted a physician or received medical treatment during the 12 months preceding the effective date of this contract unless, in these previous 12 months, the insured was covered by a similar accident insurance contract issued by the Company. In this case, the payable benefit is the lower amount of the benefit under this contract and the benefit under the similar contract.
3. Death, losses, fractures, disability, or costs arising from one of the following circumstances:
   • attempted suicide, voluntary dismemberment or any self-inflicted injury, whether or not the insured was conscious of his/her actions;
   • gas inhalation, poisoning, voluntary absorption of medications or drugs unless taken as prescribed by a physician;
   • the insured was under the influence of drugs or had a blood alcohol level exceeding 80 milligrams per 100 millilitres of blood;
   • the insured was driving a motor vehicle and the concentration of alcohol in his/her blood exceeded the limits prescribed by law;
   • the insured was driving a motor vehicle over the legal speed limit or without the valid licence, certificate or proof of competency required by law;
   • a criminal act that the insured committed, was preparing to commit or attempted to commit, or resulting from provoking or participating in a riot or a demonstration against public order, a military operation, an act of terrorism or a war, whether war be declared or not;
   • flight or attempted flight on board of a plane or other aircraft if the insured is part of the crew or performs any function related to the flight;
   • participating in acrobatics or sporting activities for which the insured is paid, racing motor vehicles, playing contact football as a member of a team in a competitive league at college or university level or if he/she is paid for this activity, scuba diving, parachuting, competitive downhill skiing, hang gliding, mountain climbing or bungee jumping.
4. Care or treatment provided by a member of the insured’s immediate family (except for transportation expenses).
5. Orthopedic devices used solely for the purposes of practicing sports activities.
6. Costs incurred for magnetic resonance imaging tests, computed tomography (CT scans), X-rays and costs incurred at a private clinic.
7. For insureds aged 65 or more at the time of the accident, benefits in the event of accidental death, dismemberment, loss of use or accidental fracture correspond to 50% of indicated amounts.
8. When an insured is covered by several accident insurance policies issued by the Company, he/she will only receive the benefits payable under the most advantageous plan for the applicant. The Company reimburses the premiums paid for the other policies for this insured for the previous year only.

Coordination of benefits for dental, hospital, paramedical and emergency care expenses

The insured must always submit claims for reimbursement first to other plans (public, private or group insurance plans) before filing a claim under this policy. The Company’s responsibility is limited to the portion of costs not reimbursed by these other plans.

As for public plans, the Company’s responsibility is limited to the portion of costs that exceeds the costs reimbursable by these public plans, whether or not they are reimbursed.