Um, no, you can get it, but, YOU must document that you experienced a substantial trauma, and it's like this, they can bill you for your medical care if you do something that causes yourself harm, destruction of government property....
I do know of case where the command kept SGLI from paying out when a soldier died riding a motorcycle in violation of command policy (he wasn't wearing proper attire, including his helmet, and hadn't taken the military safety class, actually didn't even have a motorcycle endorsement)
You get hit by an IED, you probably have a claim, 4 years of shooting your rifle 1-2x a year, naw, not going to float.... Combat, it's kinda hard to claim a disability due to your own laziness, if your command makes it a policy to always wear ears.