Will any exclusions apply to the cover?

Critical illness policies usually contain certain exclusions (things which are not covered).

Exclusions vary between insurance companies. Each key features leaflet provided by a financial adviser or insurance company will list the exclusions of that particular policy.

We have published model definitions for the most common exclusions. The headings of those exclusions are as follows.

o Aviation
o Criminal acts
o Drug abuse
o Failure to follow medical advice
o Hazardous sports and pastimes
o HIV/AIDS
o Living abroad
o Self-inflicted injury
o War and civil commotion

Policies which include these exclusions use our model definitions or an alternative that provides more cover.

1. What is level term life insurance?
2. What is mortgage protection insurance?
3. Why should I consider buying critical illness cover?
4. What are critical illness policies?
5. Which illnesses are covered?
6. Will any exclusions apply to the critical illness cover?
7. How do I compare critical illness cover policies?
8. What types of critical illness policy are available?
9. What is the cost of critical illness cover?
10. Who can take out critical illness cover?
11. Can I increase my cover after the policy starts?
12. How do I apply for critical illness cover?
13. How do I make a claim?
14. What should I do if I want to complain?