Income protection policies will be medically underwritten may providers may place exclusions on your insurance such as:
- Pre-existing conditions: Illnesses or injuries you had before taking out the policy may be excluded.
- Certain medical conditions: Some policies exclude specific conditions like mental health issues or back pain.
- Risky activities: Injuries resulting from high-risk sports or activities may not be covered.
- Substance abuse: Disabilities arising from drug or alcohol abuse are often excluded.
- Non-disclosure: Failing to disclose relevant information when applying can lead to exclusions or denial of claims.