What are exclusions?

Exclusions are risks we will not cover.  We may put an exclusion on your policy depending on your individual risk profile. 

Also, there are some contractual exclusions which always apply. For example, if you have permanent ligament damage in your right ankle, we would exclude any claims related to ligament damage in your right ankle.

We do this because we cannot pay claims on things you had before you became our client - otherwise, we'd go bankrupt very quickly! Communicating our exclusions gives peace of mind about what we don't cover, so you can be comfortable that everything else is covered.

We also have contractual exclusions that apply to everyone. We explain these in detail in your policy terms and conditions. For example, we will exclude any claims which are a result of you committing a crime. 

We exclude cover in certain countries. If you live or plan to live in one of these countries below, you need to cancel your benefit by letting us know in writing. You won't be covered for any claims you submit if something happens in one of the following countries: 

• Afghanistan 

• Angola (Cabinda Province) 

• Burundi 

• Djibouti 

• Egypt 

• Eritrea 

• Ethiopia 

• Iran 

• Iraq 

• Lebanon

• Libya

• Mali 

• Nigeria (Niger Delta) 

• North Korea 

• Pakistan 

• Somalia

• South Sudan 

• Sudan

• Syrian Arab Republic

• Ukraine

• Yemen

‍*This list could change in future.