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

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Last updated 13 August 2015


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
  • Substance use or dependency, including alcohol, drug, chemical or the improper use of medication
  • 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
  • Substance use or dependency, including alcohol, drug, chemical or the improper use of medication
  • 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

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
  • Substance use or dependency, including alcohol, drug, chemical or the improper use of medication
  • 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

Bill Protection
Bill Protection benefit won't be paid when your claim 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
  • Substance use or dependency, including alcohol, drug, chemical or the improper use of medication
  • Participation in an illegal activity
  • Working in hazardous conditions 
  • If your unemployment is voluntary. This includes if you resign; accept voluntary redundancy or take early retirement; abandon your employment; if you've been suspended from working, for example because you have lost your driving licence; or if you voluntarily terminate your contract as a contractor
  • If you became aware you would soon be unemployed before your Bill Protection cover start date
  • If you've been living outside of Australia for more than 12 months in a row
  • If you haven't been employed for 180 consecutive days

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

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