Main Exclusions

The following are the main exclusions: please see sections 7, 11 and 12 of the Policy Terms and Conditions for full details of all exclusions.

Significant Exclusions or Limitations

Cover Option - Accident or Sickness

• a pre-existing medical condition; but you will be entitled to benefit if you have not suffered from that condition for two years before the first date you became unable to work. You have not suffered from a condition if throughout that two year period you (paragraph 7.1):
• have not consulted a doctor for that condition (paragraph 7.1.1); and
• have not received treatment for that condition (paragraph 7.1.2); and
• have been free of symptoms of that condition (paragraph 7.1.3);
• attempted suicide or self-inflicted injuries (paragraph 7.2);
• alcohol or drugs, unless they are prescribed for treatment by a doctor (paragraph 7.4);
• backache and related conditions, including injuries, which are not supported by medical evidence (paragraph 7.5);
• psychiatric illness or mental disorders including depression, bereavement, stress, or stress related conditions which are not diagnosed by a consultant who is a member or the Royal College of Psychiatrists and is recognised by that Royal College as being a consultant (paragraph 7.6);
• for any period when your incapacity is not confirmed by a doctor (paragraph 7.9.2).

Cover option - Involuntary Redundancy

• If you were not in continuous work for 6 months immediately before your employment ended (if you were not in work for 2 weeks or less, we will not count this as a break in your employment) (paragraph 11.1);
• Unemployment caused or resulting from your employment ending within the first 90 days of cover i.e. the exclusion period (paragraph 11.2);
• You being told, or made aware either before the start date or within the exclusion period that your employment will end. This is irrespective of when employment actually ends (paragraph 11.3);
• Misconduct which contributes or leads to your dismissal (paragraph 11.6);
• Resignation, voluntary unemployment or voluntary redundancy (paragraph 11.9);
• If you are self-employed and your business temporarily stops trading (paragraph 11.12).