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.

• live in the United Kingdom, Channel Islands or Isle of Man for a minimum of 180 days a year
• are aged at least 18.
• Are below the age of 75.

Medical Recovery Accident 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.