Med pay coverage applies when an accident occurs that results in injury to another party resulting from a condition at the insured premises or caused by activities of the insured; for example the porch steps break and a neighbor is coming up the steps, or the dog bites the neighbor coming over for dinner. Exclusion 3 b.1. refers to people covered under workers compensation, non-occupational disability law, or occupational disease law. Section b. needs to be read entirely – benefits are excluded if the benefits are voluntary or required to be provided under any: (emphasis added) workers comp, non-occupational disability, etc.

Indeed part 8 states that coverage E is excess over other valid and collectible insurance except when other coverage is specifically written as excess over the home policy.

If a neighbor gets injured on an insured's property and in the ER gives his health information because he doesn't have his neighbor's insurance policy, the health insurance carrier is correct in subrogating against the homeowner's carrier. The loss should be paid under med pay on the homeowners form, that is what it is there for.