![]() ![]() “Risk & Life Insurer of the Year” Roy Morgan Research Customer Satisfaction Awards 20.Ĭritical Illnesses covered under this product are certain types of Vascular Disease, Cancer of specified severity, Degenerative Diseases, Cardiac Surgery, and Major Organ Failure. This includes travelling when a `Reconsider your need to travel’ or `Do not travel’ alert is in place and not taking action to minimise or avoid any potential claim. We won’t pay any benefits to the extent a claim arises because you didn’t follow advice issued by the Australian government relating to an overseas location.If you don’t follow travel advice overseas. ![]() Any such special term will be agreed with you before your policy is issued and will appear on your Policy Schedule. We won’t pay any benefit where we’ve agreed with you a special term in respect of your cover that specifically excludes the event or condition leading to the claim. Special events or conditions we agree on.If one of these conditions or events occurs again after the 90-day exclusion period and is not related to the first occurrence, a new claim can be lodged for that occurrence 3,4.the reinstatement date where we have agreed to reinstate the benefit after it has lapsed.any increase in the benefit (but only in respect of the increase) or.We won’t pay the Critical Illness benefit in the case of Cancer of specified severity 3,4, Cardiac Surgery 3 and Vascular Disease 3,4if the event occurs, you’re first diagnosed, or experience symptoms leading to a diagnosis, or you’re recommended for surgery within 90 days of:.Cancer of specified severity, Cardiac Surgery and Vascular Disease within the first 90 days.We won’t pay the Critical Illness benefit where the condition is intentionally self-inflicted.Intentionally self-inflicted conditions. ![]()
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