Unless otherwise stated in your policy or your Policy Schedule, this insurance does not cover claims related to or in any way caused or contributed to by:

• Treatment not arising from an accident.
• Planned treatment(s) which are defined as medical procedure(s) that in the 12 month period prior to an insured person first becoming insured under this policy or at the date that you increased their level of cover:
  • an insured person had a date scheduled for such medical procedure(s) to be carried out; or
  • an insured person was on a NHS waiting list for the medical procedure; or
  • an insured person had been aware of or had been told by their GP or medical specialist that reasonable medical opinion would consider that a medical procedure may be required.
• Suicide, attempted suicide or intentional self- inflicted injuries.
• An insured person’s own criminal act.
• An insured person being under the influence of alcohol or drugs when the accident occurs.
• • war or acts of terrorism
  • An insured person engaging in active war
  • nuclear risks
• Any medical procedure directly or indirectly arising from or as a consequence of professional sports where a fee is received for training or playing.
• Accidents occurring outside the UK, Isle of Man, the Channel Islands and the European Economic Community (EEC).
• Any treatment received more than 12 months after the date of the accident.

• All persons are employed by you. This can include any director of your company who is salaried by you.
• All persons have been declared by you to us via the administrator and are listed in the appendix of insured persons attaching to your Policy Schedule.
• All persons live in the United Kingdom, Channel Islands or Isle of Man for a minimum of 180 days a year.
• All persons are aged at least 18.

Medical Recovery Insurance benefits are graded according to the normal recovery times of operations that in most cases would allow a person to return to light manual work. The benefits will not increase if a person takes longer to recover and will not reduce if they get back to work more quickly than expected.

You can add or remove an employee in respect of whom you wish us to provide cover to you under this policy at any monthly anniversary of your start date by contacting the administrator. Contact details are given on page 4 of our Policy Document.
Should you increase the level of cover in relation to an employee at your renewal date then we will not cover any planned treatments at the date that the level of cover was increased over and above the previous level of cover purchased for that employee.