Treatment of nervous or mental disorders, or Treatment in connection with alcohol, drug or chemical abuse, misuse,
illegal use, overuse or dependency or use of any drug or
narcotic agent; Injury sustained
while under the influence of or Disablement due wholly or partly to the effects of intoxicating liquor, chemicals, or drugs or
narcotic agent, unless administered under the advice of a Physician and said
narcotic agent was taken in accordance with the proper dosing as directed by the physician; unless prescribed by a Physician, except as stated in the Schedule of Benefits for mental or nervous disorders;