Although policy cover is reassuringly comprehensive, there are certain exclusions it's important you should know about. Please refer to the appropriate pages of the policy document for full details of exclusions and limitations; however the most significant and unusual are detailed below.

The policy excludes some situations. These generally involve anything you already know about or that are caused by illegal or deliberate acts on your part. You need to check the ‘Life’, ‘Accident or Sickness’, ‘Unemployment’ and ‘Carer’ sections of the policy for full details of what is and is not covered (as applicable depending on the cover option you have selected). The main exclusions are shown here:

For Accident or Sickness cover and Premier cover options, we will not cover accident or sickness claims which result from:

• A medical condition, and/or associated symptoms, whether diagnosed or not:
  – which you know about when cover starts or you have seen a doctor about in the 12 months before taking out this policy; and
  – which persists or returns during the first 24 months of your policy

• Pregnancy or childbirth unless there have been medical complications

For Unemployment cover and Premier cover options, we will not cover unemployment claims:

• If you know about the unemployment at the start of the policy
• You are notified of, or which happens, within the first 90 days of the policy
• If you have resigned, retired, taken voluntary redundancy or been dismissed for misconduct
• After the end of a fixed-term contract unless you have either been employed by the same firm for at least two years or are on a contract of at least 12 months which has been renewed at least once with the same employer

• Unless you are in receipt of (or awaiting) a Carer’s Allowance
• If you know that a member of your immediate family would require a carer at the start date of the policy; or
• If you apply for a Carer’s Allowance or are notified of receipt of Carer’s Allowance within the first 90 days of the policy