This certificate has certain exclusions, meaning situations where we won’t pay a benefit. We list below the exclusions that apply to the benefits under your certificate.  Pre-existing condition: We will not pay for any benefit in respect of any condition, disease, illness or injury if there was any manifestation, diagnosis or treatment of such condition, disease, illness or injury before the commencement date.  We will not pay benefit under this certificate if the claim arises from suicide, attempted suicide or selfinflicted act within one year of the start of your certificate. This applies regardless of the mental state of person covered. If this happens, the certificate will be cancelled. Note: Refer to the certificate for the full list of limitations and exclusions under this certificate.