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Each year, Americans make 40.2 million injury-related visits to the emergency room. And many of those result from the 200,000 playground injuries that occur on average. 

“FastStats: Emergency Department Visits.” CDC.gov. CDC, April 2015. Web.

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What other exclusions or limitations exists?

Exclusions include, war, insurrection, or rebellion, self-inflicted injury, attempted suicide, commission or attempt to commit a felony. Limitations on benefits apply to mental nervous, alcohol, drug, or substance abuse and are limited to 24 months. For a more complete description of the exclusions and limitations please consult the group certificate....