What isn't covered?
We won't pay a benefit for any critical illness that occurs within 12 months of the start date of the policy if you have had symptoms, advice or treatment from a doctor for that condition within the 12 months before the policy started.
We won't pay a benefit for any critical illness that occurs within 90 days of the start date of the policy, or that results from, or as a consequence of, any of the following:
- angina pectoris
- non-cardiac chest pain
- transient ischaemic attacks, reversible ischaemic neurological deficit, vascular disease affecting the optic nerve, cerebral symptoms due to migraine or cerebral injury resulting from trauma or hypoxia
- carcinoma in situ (including cervical dysplasia CIN-1, CIN-2 and CIN-3) or tumours which are histologically described as premalignant
- chronic lymphocytic leukaemia Binet Stages A&B or Rai Stages 0, 1 and 2 melanomas with a depth of invasion less than Clark Level 3 or thickness less than 1.5mm Breslow as determined by histological examination
- any hyperkeratosis or basal cell carcinomas of the skin
- any squamous cell carcinomas of the skin, unless there has been a spread to other organs
- Kaposi's sarcoma and other tumours associated with HIV infection, AIDS or AIDS related complex
- prostatic cancers which are histologically described as TNM Classifications T1 (including T1a and T1b) or are of another equivalent or lesser classification
- tumours treated by endoscopic procedures alone
- tumours that are a recurrence or metastases of a tumour that first occurred before the end of 90 days after this policy began
- angioplasty, laser or other intra-arterial procedures and non-surgical techniques in relation to coronary artery by-pass surgery.