We will not pay any benefit under this policy if a claim arises from suicide or death due to a pre-existing condition within one year from the policy issue date. This applies regardless of the mental state of the person insured. If this happens, we will cancel the policy and refund the premiums paid without interest, less any amount you owe us.
This refers to a medical condition that occurs before the policy issue date and has one or more of the following characteristics:
- Presented signs or symptoms which you (or the person insured) were aware of or should reasonably have been aware of; or
- Treatment was recommended or received from a Medical Practitioner for the medical condition; or
- You (or the person insured) have undergone or were recommended to undergo medical tests or investigations.
We will not pay any benefit under this policy if a claim arises because you or the person insured deliberately participated in an unlawful act, or failed to act in accordance with the law.
Please refer to the policy contract for the full list of limitations and exclusions.