General critical illness exclusions & limitations

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The following limitations and exclusions apply to PARACHUTE Critical Illness coverage.

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Exclusions

General exclusions for adult and dependent child covered conditions
  1. No benefit will be payable if the pre-existing condition limitation applies.
  2. No benefit will be payable for a covered condition diagnosed while the insured person is not covered by a PARACHUTE Critical Illness Insurance policy.
  3. No benefit will be payable if the survival period limitations are not satisfied.
  4. No benefit will be payable if the insured person’s condition was either directly or indirectly caused by, contributed to, resulted from or was in any way associated with one or more of the following:
    1. attempted suicide or self-inflicted injury or sickness, while sane or not sane;
    2. committing or attempting to commit a criminal offence;
    3. the use of alcohol or any medications or drugs, other than taken as prescribed by a physician
    4. insurrection, riot, civil commotion, hostilities of any kind, war (whether declared or not), or active service in the armed forces of any country;
    5. any accident, injury or sickness caused by hazardous activities or sports such as, but not limited to: professional sports, racing, B.A.S.E. jumping, bungee jumping, parachuting, ultra-light flying, hang gliding, scuba diving, rock or mountain climbing, back country or heli-skiing, motocross or extreme sports;
    6. injuries sustained while operating a motor vehicle, either while under the influence of any intoxicant or if the insured person ’s blood contained more than 80 milligrams of alcohol per 100 millilitres of blood at the time of the injury;
    7. medical care which is not medically necessary or which is cosmetic in nature (the donation of an organ or tissue will be considered as medically necessary care); or
    8. any specific exclusions relating to any given covered condition as set out within the policy's definition for that covered condition.
  5. No benefit will be payable if the insured person fails to seek treatment in order to avoid the pre-existing condition period limitations or other conditions and restrictions of the policy;
  6. No benefit will be payable if, within 90 days following the later of the effective date of coverage or date of last reinstatement of coverage: 
    1. a diagnosis of Cancer (Life-Threatening) or Cancer (Non-Life-Threatening) is made or the insured person has any signs, symptoms or investigations that lead to a diagnosis of Cancer (Life-Threatening) or Cancer (Non-Life-Threatening) (covered or excluded under this benefit), regardless of when the diagnosis is made; or
    2. a diagnosis of Benign Brain Tumour is made or the insured person has any signs, symptoms or investigations that lead to a diagnosis of Benign Brain Tumour (covered or excluded under this benefit), regardless of when the diagnosis is made.
  7. No benefit will be payable if, within 365 days following the later of the Effective Date of Coverage or date of last reinstatement of coverage, a Diagnosis of Parkinson’s Disease or Specified Atypical Parkinsonian Disorders is made or the Insured Person has any signs, symptoms or investigations that lead to a Diagnosis of Parkinson’s Disease or Specified Atypical Parkinsonian Disorders, regardless of when the Diagnosis is made.
Child exclusions
When a child is born within ten months of the policyholder’s effective date of coverage, and is diagnosed with any covered condition within 31 days after their date of birth, no benefit will be payable for such covered condition.

Limitations

Full definitions and benefit provisions can be found in the policy and all coverage is subject to the terms and conditions of the policy
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