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Does Simple Life have any specific exclusions I need to know about?

See all Life insurance FAQs

Last updated 29 October 2018


Depending on the type cover you have, there are a few exclusions you need to know about.

Life Cover
Life Cover death or terminal illness benefit won't be paid when death or terminal illness results directly or indirectly from any of the following:

  • A pre-existing condition
  • Suicide, attempted suicide or self-inflicted injury, whether you're sane or not
  • As a result of war, whether it has been declared or not
  • Participation in an illegal activity
  • Working in hazardous conditions
  • If you've been living outside of Australia for more than 12 months in a row

Critical Illness Cover*
Critical Illness benefit won't be paid when your critical illness results directly or indirectly from any of the following:

  • A pre-existing condition 
  • Suicide, attempted suicide or self-inflicted injury, whether you're sane or not
  • As a result of war, whether it has been declared or not
  • Participation in an illegal activity
  • Working in hazardous conditions 
  • If you pass away within 30 days of being diagnosed with or suffering a critical illness
  • If you've been living outside of Australia for more than 12 months in a row

*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.

Total and Permanent Disability Cover (TPD)
TPD benefit won't be paid when your permanent disablement results directly or indirectly from any of the following:

  • A pre-existing condition 
  • Suicide, attempted suicide or self-inflicted injury, whether you're sane or not
  • As a result of war, whether it has been declared or not
  • Participation in an illegal activity
  • Working in hazardous conditions
  • If you've been living outside of Australia for more than 12 months in a row

 

You should also read about Simple Life’s no claim period.

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