Exclusions,
terms and conditions
- Accident,
sickness or critical illness arising from a pre-existing medical condition
which:-
i) you knew about or ought reasonably to have known about at the start of cover
ii) consulted or received treatment for from your doctor within the
last 12 months before the start of cover and which recurs during
the first 24 months after the start of cover - Accident and sickness, critical illness or death arising from suicide or drug/alcohol abuse
- Accident or sickness arising from normal pregnancy or childbirth, unless there is a medical complication, back related conditions, unless supported by radiological evidence of medical abnormality and some mental disorders including stress
- If your critical illness occurs within the first 30 days of commencement of cover
- If you know that you are about to be made unemployed when you apply for cover, or receive notification of unemployment within 90 days of commencement of cover, or you have received payment in lieu of notice
- If you resign or take voluntary unemployment, you are dismissed due to misconduct, or if unemployment is a regular or recurring feature of your job
- Due to voluntary insolvency if you are self-employed
- After some fixed term contracts
- War or
terrorism, or similar risk
Whilst each policy's cover is comprehensive, it is important to know what exactly is covered and not covered under the terms of the policy agreement.
M&S
Finance are registered with the Information Commissions Office and licensed
by the Office of Fair Trading under the Consumer Credit Act 1974 No. 580399
as a credit broker/finance company.
