Policy Limitations and Exclusions

We will not pay the monthly benefit if your inability to work is directly or indirectly caused by any of the following:


A pre-existing medical condition – unless you have been symptom free and have not consulted a doctor or received treatment for the condition for at least 24 months after the start date;
• War risks;
• Normal pregnancy and childbirth;
• Terrorism;
The manufacture or use of explosives;
Exposure to exceptional danger (except in an attempt to save human life);
The illegal acts of the person who has suffered the accident;
Suicide or self-inflicted injury whether you are of a sound mind or not;
Being under the influence of or being affected by alcohol or drugs unless under the advice of a doctor for a condition other than alcohol or drug addiction;
Radiation or contamination or the effects of radiation;
Driving or being a passenger in/on a motorcar, sidecar or motorcycle of any type, whilst in a competition or race, or in any arranged event where the vehicle is driven at high speeds; (not applicable with motorsports specific policies)
Driving or being a passenger on a motorcycle when performing any work, including but not
limited to acting a courier, delivery service or taxi;
Taking part in any form of aviation, including travelling in an aircraft (except as a fare paying customer in a commercial licenced aircraft);

In addition, we will not pay the monthly benefit if:

• your inability to work starts prior to the start date or after the end date;
• your inability to work starts when you are not a resident of the United Kingdom, Channel Islands or Isle of Man;
• your inability to work lasts for less than the qualification period

Fracture & Accidental Death Limitations and Exclusions

The maximum number of fracture claims we will pay under this policy during any one year period is four.


If the effects of an
accident are made worse because the person affected already had a sickness, disease, naturally occurring condition or injury, then we will ask a doctor to assess the effects that the sickness, disease, naturally occurring condition or injury has on the bodily injury and we will reduce your benefit by a proportionate amount taking any such pre-existing sickness, disease, condition or injury into account.


If
you have any accident which results in more than one fracture to the same joint or bone, we will only pay benefit for one of the fractures.


We will not pay benefits for an accident that is directly or indirectly the result of the following:


• War risks
• Terrorism
Exposure to exceptional danger (except in an attempt to save human life);
• You committing a crime;
Self-inflicted injury whether you are of a sound mind or not;
Being under the influence of or being affected by alcohol or drugs unless under the advice of a doctor for a condition other than alcohol or drug addiction;
Radiation or contamination or the effects of radiation;
Driving or being a passenger in/on a motorcar, sidecar or motorcycle of any type, whilst in a competition or race, or in any arranged event where the vehicle is driven at high speeds; (not applicable with motorsports specific policies)
Driving or being a passenger on a motorcycle when performing any work, including but not limited to acting a courier, delivery service or taxi;
Taking part in any form of aviation, including travelling in an aircraft (except as a fare paying customer in a commercial licenced aircraft);
Any sickness, disease, or degenerative process (a condition which becomes progressively worse).


In addition,
we will not pay benefit for:


an accident which occurs prior to the start date or after the cover ends;
an accident which happens to an insured person who has been outside the United Kingdom, the Channel Islands or the Isle of Man for more than 12 weeks in the preceding 52 week period. This exclusion does not apply if we have agreed to provide this cover;
any accidental bodily injury occurring 12 or more months after the accident.
If
you die as a result of an accident and we pay the appropriate benefit, your policy will end.