p>This product has a general exclusion, with limited exceptions, against epidemics and pandemics. That means we don’t cover claims that arise from, or are related to, an epidemic or pandemic. However, you are covered under selected benefits in this product if, during your period of cover, you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19. Refer to the <a href="/policy-documents#ui-id-13" data-new-window="true" >Product Disclosure Statement</a> to see which benefits offer cover in the event that you contract a sickness recognised as an epidemic or pandemic, and the terms, conditions, limits and exclusions that apply.</p><p>If you have any questions call us on&nbsp;<span class="tel strong"><span class='tel'>1300 051 095</span></span>&nbsp;(Weekdays 8am-7pm AEST Saturday 8am-5pm AEST).</p