Hazardous Sports Rider
 
The Optional Hazardous Sports Rider is available for the adventurous traveler. For an additional 20% premium, this Rider adds coverage for the Amateur sports listed in the following exclusion.
Injury resulting from participation in the following activities:
    1. Amateur Athletics, Contact Sports, and professional sports or athletic activities. Non-contact and non-organized/non-sanctioned amateur sports or athletic activities engaged in by the Member solely for leisure, recreational, entertainment or fitness purposes are not excluded unless they are excluded by (b) through (j) of this provision; and
    2. mountaineering where ropes or guides are normally used; and
    3. aviation (except when traveling solely as a passenger in a commercial aircraft); and
    4. hang gliding, sky diving, parachuting or bungee jumping; and
    5. snow skiing or snowboarding, except for recreational downhill and/or cross country snow skiing or snowboarding (no cover provided whilst skiing away from prepared and marked in-bound territories and/or against the advice of the local ski school or local authoritative body); and
    6. racing by any animal or motorized vehicle; and
    7. spelunking; and
    8. subaqua pursuits involving underwater breathing apparatus; and
    9. jet skiing; and
    10. any other sport or athletic activity which is undertaken for thrill seeking and exposes the Member to abnormal or extraordinary risk of Injury.
The maximum policy limit for Injuries under this Rider is the Overall Maximum Limit you select. The Accidental Death and Dismemberment benefit is deleted during participation in Hazardous Sports Activities.
 
Online Fulfillment
 
By selecting online fulfillment, your policy information will be available to print once your application has been processed and credit card approved. A duplicate copy of this information is also delivered to the email address you indicate on the insurance application. By selecting "Yes", you acknowledge that you have accepted online-fulfillment of your insurance documents. If you prefer your insurance documents mailed to you, please select "No" for the Online Fulfillment option.
 
Deductible
 
The dollar amount of Eligible Expenses that the Member must pay per Certificate Period before the plan begins to pay covered expenses.
 
Maximum Coverage
 
The maximum amount of all benefits, except for Emergency Medical Evacuation, Accidental Death and Dismemberment and Common Carrier Accidental Death.
 
Citizenship
 
The legal status of being a citizen of a country.
 
Requested Effective Date
 
Your coverage becomes effective on the latest of: the date we receive your Application and correct premium, the moment you depart from your Home Country or the date you request on your Application. Your coverage will end on the earliest of: the end of the period for which you have paid a premium, the date requested on your Application, or the moment of your arrival upon return to your Home Country (unless you have started a Benefit Period or are eligible for Home Country Coverage).
 
Passport
 
The passport number you provide is placed inside a Visa letter that will be available through Client Zone after purchase. If you do not require a Visa letter and do not know your passport number, please enter unknown in the field provided and you may submit your application, then provide the number to us in writing (an e-mail is acceptable) when you have it available so that it may be added to your file.
 
Beneficiary
 
The individual named in the Member's Application to be the recipient of any Accidental Death or Common Carrier Accidental Death benefit.