Is there a chance that my claim could be refused?

With all insurance policies there will be a list of exclusions. We have summarised the typical exclusions below, although we advise that you check your insurance documents carefully when they arrive.

Some typical reasons why a claim may be refused: -

• You knew that you were likely to be made unemployed when you took out the insurance
• You left your job by choice
• You have a casual, temporary or seasonal job
• You are employed by a Temporary Employment Agency
• Your job involves regular Unemployment
• You were dismissed for misconduct
• You were already suffering from the illness or condition which caused your absence from work when you took out the insurance
• You are off work because of alcohol or non-prescribed drug abuse
• You are off work because of self inflicted injuries
• You are off work because you failed to follow medical advice
• You are off work due to war or rioting