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Does Simple Life have a no claim period?

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Last updated 29 October 2018


If you have Critical Illness Cover* there’s a 90 day no claim period from your cover start date. This means you can't claim for a critical illness or related event, including for symptoms of an illness which occurs in this time.

For example, if you have a stroke three weeks after you bought Critical Illness cover, you won't be paid the benefit because the event occurred within the 90 day no claim period.

* Critical illness cover conditions are:

  • Cancer
  • Coronary artery disease requiring bypass surgery
  • Heart attack
  • Stroke

Critical illness conditions have specific meanings and a benefit is only payable if you meet the precise meaning of the definition set out in the Simple Life Product Disclosure Statement and the Simple Life Medical Definitions Reference Guide.

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