Self-inflicted
Suicide, or self-inflicted injuries of any kind.
For the Waiver of Premium on Death benefit and Bereavement Grant benefit, this exclusion only applies for the first 13 months from the risk commencement date .
Snoring
Diagnosis, management and treatment of snoring.
Specified conditions
Cystic fibrosis, polycystic kidney, Marfans syndrome, Loeys-Dietz syndrome, spina bifida, scoliosis, kyphosis, pectus excavatum and pectus carinatum.
Sterilisation
Sterilisation, except as specifically provided by the sterilisation benefit in this policy.
Termination of pregnancy
Termination of pregnancy.
Treatment outside of New Zealand
Treatment carried out outside of New Zealand, except where expressly covered by a benefit in this policy.
War/terrorism
Injuries of war or resulting from any terrorist act (whether war is declared or not).
1300 APH-UMB version 6 Effective 17 April 2025
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