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What’s not covered by Accident and Sickness cover?
We will not pay benefit for any accident or sickness that is the result of any of the following:
• Any condition, injury, illness, disease or sickness for which you had symptoms, consulted a Doctor, or received treatment or medication during the 12 months immediately before your policy start date. However, if at the time of a claim, you have not had any symptoms or consulted a Doctor or received treatment in the two years before the claim, this exclusion will not apply;
• Deliberate or self-inflicted injuries, including but not limited to injuries resulting from:
drinking alcohol or taking drugs (unless the drugs are prescribed by a Doctor for purposes other than to treat drug addiction);
or
Elective or cosmetic surgery or beauty treatment, (unless it is needed because of a physical illness, disease or injury).
• We will not pay benefit for any accident or sickness while you are receiving benefit in respect of unemployment which commenced prior to the accident or sickness.
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