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.
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).
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712 PH-UMB Version 9 Effective 8 April 2022
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