Important Information

Restricted Countries

The underwriters cannot offer Income Replacement plans in the following countries or a country that the British Foreign Office has advised its citizens to leave.

Afghanistan, Angola, Burundi, Chechnya, Democratic Republic of Congo, Ghana, Indian states of Jammu, Kashmir, Iraq, Palestinian Territories, Ivory Coast, Liberia, North Korea, Somalia, Sudan, and Yemen.

What is Not Covered

• A pre-existing medical condition means any medical condition or related medical condition which existed, or which ever required treatment, medication or advice from a medical doctor or medical practitioner or specialist or which was diagnosed, or for which the symptoms first appeared, prior to your date of entry to the Global Income Protection
  plan, or any medical condition that you knew about, or should reasonably have known existed, whether or not you had consulted a doctor, at your date of entry to the Global Income Protection plan.No benefit is paid if disability is caused by or associated with a pre-existing medical condition unless that medical condition has been fully disclosed to us and we have agreed in writing to cover you for this.
• Active participation in war, war-like activities, and terrorist activities.
• War, war-like activities and terrorist activities if you remain in or travel to an excluded country or region, or a country or region which the British Foreign Office has specifically advised British citizens to leave.
• The consequences of attempted suicide and intentionally self-inflicted injuries, whether sane or insane.
• Gross negligence and deliberate exposure to exceptional danger (except in an attempt to save human life).
• Any accident arising from participating in a hazardous activity unless you have made a full declaration of how often you intend to participate in that particular activity and
  we have agreed to cover you for it in writing and you have paid any additional premium required by us to cover the increased risk.
• Any accident arising from participating in any activity which is illegal in the country in which it is carried out.
• Abuse of drugs, alcohol and medication, other than medication prescribed by a physician or licensed pharmacist and taken in accordance with their instructions.
• Normal pregnancy.
• Any disability that results from mental, nervous or psychological disorders of any type, will be restricted to one claim per life-time and to a maximum payment period of 24 months.
• Any disability not reported to us within one year of you becoming totally disabled from working.