Document ID: chunk:federal_register_of_legislation:C2024C00063:section:47
Version: federal_register_of_legislation:C2024C00063
Segment Type: section
Provision Reference: s 47
Character Range: 89714–90476

47  Pre‑existing sickness or disability
 (1) This section applies where a claim under a contract of insurance is made in respect of a loss that occurred as a result, in whole or in part, of a sickness or disability to which a person was subject or had at any time been subject.
 (2) Where, at the time when the contract was entered into, the insured was not aware of, and a reasonable person in the circumstances could not be expected to have been aware of, the sickness or disability, the insurer may not rely on a provision included in the contract that has the effect of limiting or excluding the insurer's liability under the contract by reference to a sickness or disability to which the insured was subject at a time before the contract was entered into.