What We Don't Cover

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 Life & Income 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, 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 & Accident plan

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

	A pre-existing medical condition as defined in the Global Life & Income 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 or the consequences of attempted suicide, whether sane or insane. (In respect of the Global Life benefit this exclusion applies only during the first three years of cover, and to subsequent increases in benefit)
	Intentionally self-inflicted injuries and gross negligence.
	An accident arising from any illegal activity.
	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.
	Additional exclusions relating to the Accident benefit
	Terrorist activity or any act of war – even if you are an innocent bystander.
	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.

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


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