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Death or dismemberment by accidental injury as used in this certificate means that your death or dismemberment results directly and independently of all other causes from an accidental drowning or from an accidental injury which was unintended, unexpected, and unforeseen and which was sustained by you while:

• As a passenger or pilot (including a crew member or student pilot) in, on, boarding, getting off of, operating, or handling any aircraft; or
• At an airport in connection with a flight covered under part (1) above, but only if such injury is a direct result of being run down or struck by an aircraft or the moving propeller of any aircraft; or
• Making a forced parachute jump or awaiting rescue at a place of forced landing, on land or water, occurring during a flight covered under part (1) above, but only if such death or injuries are a direct result of said parachute jump or forced landing.

Your death or dismemberment must occur within 180 days after the date of the injury. In no event will we pay the accidental death or dismemberment benefit when your death or dismemberment results from or is caused directly or indirectly by any of the following:

• Suicide whether sane or insane;
• Intentionally self-inflicted injury;
• Travel or flight in or on, or descent from or with:
  • A military aircraft (except military aircraft with a civil air-worthiness certificate in the normal or utility category in civil use pursuant to the category rating at the time of the accident), an amateur-built rotorcraft, an amateur-built fixed wing aircraft which is subject to area restrictions imposed by a governmental authority, rocket-powered aircraft, an ultralight, a hang glider, a kite, or a parachute (except a forced jump) or an aircraft not certified by a governmental authority; or an aircraft not meeting governmental airworthiness requirements; or
  • An aircraft being used for or in connection with seeding, dusting, spraying, carrying sling loads, firefighting, flight in or rehearsal/practice for an airshow involving aerobatic or formation flight, or hunting, herding or spotting of animals, birds or fish, or is being test-flown for the purpose of certification or determination of airworthiness; or
  • An aircraft engaged in closed course racing or in practicing or qualifying for the same.
• Operating an aircraft while not in compliance with medical requirements established by governmental authority;
• Commission of a felony;
• Bodily or mental infirmity, illness, or disease.

View AD&D Insurance Certificate for complete coverage details.