Life Insurance

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Exclusions


Basic Life Insurance

No restrictions apply to payment of this benefit.


Supplemental and Optional Life Insurance

No restrictions apply to payment of these benefits.


Dependent Insurance

No restrictions apply to payment of this benefit.


Accidental Death and Dismemberment Insurance

No benefit is payable for losses as a result of:

  • self-inflicted injuries, by firearm or otherwise (including a drug overdose)
  • carbon monoxide inhalation
  • attempted suicide or suicide while sane or insane
  • the hostile action of any armed forces, insurrection or participation in a riot or civil commotion
  • full-time service in the armed forces of any country
  • participation in a criminal offense

Business Travel Death and Dismemberment Insurance

No benefit is payable for:
  • expenses paid for or furnished under the terms of any other Health Care Plan arranged through the employer,
  • services provided by an agency or department of any government normally provided free-of-charge,
  • non-emergency medical treatment, routine health check-ups, eye and ear examinations, eye glasses and hearing aids, or treatment that can be reasonably delayed until return to Canada,
  • dental care,
  • dental services or supplies and appliances, except as previously mentioned,
  • hospital charges for non-medical services, such as radio or telephone,
  • services not listed as covered expenses,
  • services rendered before coverage became effective or after termination of employment or termination of insurance,
  • cosmetic surgery or treatment, except as required for correction of damage caused by accidental injury sustained while this coverage is in force,
  • services or supplies that are available through any plan established pursuant to the laws or regulations of any government, including any motor vehicle no fault coverage required by statute,
  • any service to the extent that any government prohibits payment of benefits,
  • services, drugs or supplies which are deemed experimental in nature,
  • delivery and transportation charges,
  • services and supplies which are required for recreation or sport, but which are not medically necessary for regular activities,
  • services received for confinement, which is primarily for chronic or custodial care,
  • services received in a government hospital unless you are required to pay for such services,
  • services to which you are entitled without charge, or for which there would be no charge if there were no insurance,
  • services received from a dental or medical department maintained by NAV CANADA, a mutual benefit association, labour union, trustee or similar type of group,
  • expenses in respect of services provided by a member of your family or by a person customarily living with you,
  • chronic alcoholism or drug addiction,
  • mental or nervous disorders or psychiatric treatment, unless necessitating hospital or institutional confinement, in which case coverage shall not extend beyond three months,
  • AIDS or AIDS-related disease or disorders,
  • any condition for which you received medical advice for treatment during the 90 days immediately prior to becoming insured, until after the expiration of 12 months from the date you are eligible for insurance,
  • normal commuting to and from work,
  • intentionally self‑inflicted injuries, suicide or any attempt thereat, while sane or insane,
  • full-time, active duty in the armed forces,
  • injury sustained while you are performing any common, manual, or mechanical labour that may be construed as part of your regular duties for NAV CANADA,
  • any accident that occurs during the period you are required to live in another community, away from the work premises in the city of permanent assignment, for reasons of training or work assignments lasting longer than 60 days,
  • acrobatic flying as defined by the Department of Transport,
  • operations requiring a special permit or waiver from the Department of Transport even though granted, other than a permit waiver issued because of the territory to be flown over or landed upon, except operations requiring a ferry permit or test flight permit from the Department of Transport where such aircraft does not have a valid certificate of airworthiness and operations requiring aerial work under Transport Canada CAR 702 Operating Certificate, or
  • crop dusting or spraying, seeding, fire fighting, sky-writing, pipeline inspection, power-line inspection, aerial photography, exploration, racing, endurance test or exhibition stunt flying.
Published on February 01, 2016