What's not covered

Although our Group Critical Illness policy covers many medical conditions, we cannot cover all conditions and eventualities so we’ve summarised the main exclusions below. Please refer to the PDF file: Critical illness cover quote appendix PDF size: 254KB  for full details of the pre-existing and related conditions.

Pre-existing conditions 

We won’t pay benefit for any specified condition that was diagnosed before the insured person was covered by the scheme.

Related conditions

We won’t pay benefit for an insured condition that occurs within two years of an insured employee’s cover starting under the scheme and results from a related condition which they:

  • have received treatment for,
  • suffered symptoms of,
  • have sought advice on,
  • were aware of.