What’s Not Covered

This section details the circumstances and conditions under which claims will not be paid.

General Exclusions

We won’t pay any claim under this Critical Illness Cover for a condition that’s a direct or indirect result of:

• Intentional self-harm, including attempted suicide
• Taking part in a criminal activity
• Harm to a child we cover under a benefit that you or the child’s parents or guardians cause

90-Day Stand-Down Period

If the 90-day stand-down period applies to a condition we cover, we won’t pay a claim at any time for the condition if the life assured, or a child we cover, either:

• Meets the criteria for the condition; or
• Is diagnosed with, or has signs or symptoms of, an illness or injury that could directly or indirectly result in the life assured meeting the criteria for a condition we cover

within 90 days immediately after:

• We get your application for this cover
• We get your application to increase the sum insured on this cover, other than by inflation

In the case of a sum insured increase, this 90-day stand-down only applies to the increased amount.

The conditions with a 90-day stand-down period are clearly marked in the conditions table.

Survival Period Requirement

We won’t pay any benefit if the life assured or any child we cover doesn’t survive for at least 14 days after first meeting the criteria for a covered condition.

When Cover Ends

This Critical Illness Cover ends for a life assured when one of the following happens:

• The full sum insured under the Full Critical Illness Benefit has been paid
• At the end of the Cover Term
• They die
• The Policy ends