12. Are there any exclusions?

• Any condition for which you sought or received advice, treatment or counselling from any doctor during the 12 months immediately before the start date of your policy
• Any condition which you knew about (or ought reasonably to have known about) at the start date of your policy
• Self inflicted injuries, alcohol or drug abuse
• Normal pregnancy or related conditions
• Any condition of a mental or nervous origin including stress, anxiety or depression unless under the care of a consultant psychiatrist
• Backache or related conditions unless supported by medical evidence.

• Any of the exclusions above
• If at the start date of your policy you knew you would become unemployed, or you had reason to believe that you might become unemployed
• If you are made unemployed (or are told that you will be made unemployed) within 60 days of the start date of your policy
• Unemployment which is voluntary or due to misconduct
• If you have reached 65 years of age
• If your work is of a seasonal, casual or temporary nature or unemployment is a regular feature of your work
• Fixed term contracts (unless employed with the same employer for at least 24 months, with the contract being renewed at least once).