Policies may have certain ‘exclusions’. An exclusion (sometimes called a special provision or special terms) on your policy is a specified event that’s not covered by your policy. For example, depending on your insurance cover provider, you will not be covered for death or a terminal illness resulting from a self-inflicted injury for the first 13 months of your policy. Also, if you’ve disclosed any existing health conditions, or lifestyle activities that are deemed hazardous or risky during your application, then you may find that a death or terminal illness resulting from these may also be excluded from cover. It’s always a good idea to check your insurance contract (also called a policy schedule) to know everything that’s not covered by your policy.
