Income protection insurance often excludes coverage for the following:
- Pre-existing conditions before the policy's commencement date.
- Self-inflicted injuries or intentional acts of risky behaviour.
- Disabilities or injuries sustained while engaging in criminal activities or illegal acts.
- Non-disclosure or misrepresentation during the application process.
- Unemployment or voluntary redundancy that is not as a result of illness or injury.
- During waiting periods, in which no benefits are payable.
It's important to review the policy documents as each policy may differ depending on the provider and your personal circumstances.