EXCLUSIONS
10
No Benefits shall be paid if the Life Assured is working less than thirty (30) hours per week at the time of making a claim. No Benefits shall be paid under this Policy if the injury or sickness resulting in Total Disability directly or indirectly was caused by or resulted from: A Intentionally self-inflicted injury whether the Life Assured is sane or insane. B Participation in any Criminal Act . C Pregnancy, childbirth, abortion or miscarriage unless the Total Disability lasts for more than ninety (90) days after the end of the pregnancy, at which time the Waiting Period will commence. D Any injury, sickness, or related condition in respect of which twenty-four (24) months of the Benefit has already been paid unless the Life Assured returns to work for more than twelve (12) consecutive months. Where the Life Assured has returned to work for more than twelve (12) consecutive months all of the following conditions must be met for Us to consider a claim for the same or related condition: • The Life Assured must have ceased to be either Totally Disabled or Partially Disabled during the consecutive twelve (12) months of returning to work; and • The Life Assured must have been able to perform all of their pre-disability duties during the consecutive twelve (12) months of returning to work; and • The Life Assured must have worked the same number of hours during the consecutive twelve (12) months of returning to work that they undertook prior to the Total Disability .
BCP-NBC-05/2019
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