International Life Insurance Plan Exclusions

This is a summary of the principal terms and conditions of the Global Life plan. For a full explanation of the terms and conditions and exclusions, please refer to the Global Protection plan agreement.

Excluded countries and regions

We will not cover you if you travel to any of the following countries or areas that the British Foreign Office has advised its citizens to leave:

Afghanistan, Algeria, Angola (Lunda Norte), Burundi, Chechnya, Colombia, Democratic Republic of Congo, Republic of Congo, East Timor, Iran, Iraq, Jammu, Kashmir, Liberia, Pakistan, Palestinian Territories, Sierra Leone, Somalia, Sudan, Yemen

The principal exclusions of the Global Life plan

No benefit will be paid if the claim is as a consequence of:-

• A pre-existing medical condition as defined in the Global Protection plan agreement.
• 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.
• Suicide, the consequences of attempted suicide, intentionally self-inflicted injuries and gross negligence whether sane or insane. The suicide exclusion applies only during the first three years of your plan. If you subsequently apply to increase your Global Life benefit, this three year exclusion shall apply from the date of any subsequent increase in benefit, but only for the amount of such increase, each increase to be treated separately.
• Accidents whilst 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.
• An accident arising from any activity which is illegal in the country in which it is carried out.
• Abuse of drugs, alcohol and medication.

Additional accident benefit exclusion in respect of terrorist activity.

The Accident benefit does not cover you if you are a victim of terrorist activity - even if you are an innocent bystander - or any act of war.

No Accident benefit is paid if the claim is as a consequence of suicide, the consequences of attempted suicide, intentionally self-inflicted injuries and gross negligence whether sane or insane.

For a complete list of exclusions please refer to page 14 of the Global Protection plan agreement.