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A GUIDE TO CRITICAL ILLNESS INSURANCE 11 Exclusions are a common feature in all insurance policies. Insurers want to be clear about those things that are not covered by their policies. Standard exclusions may relate to death or injury caused by suicide; drug abuse, including alcohol; or criminal activity. It's common for critical illness policies to: • exclude covered conditions that began or existed before the effective date of the policy • have exclusions that relate to when coverage comes into effect • have exclusions within some covered conditions Always check your policy for the exclusions that apply to your coverage and speak to your agent if you have questions. Exclusions within the covered condition definitions Some of the covered condition definitions stated in the contract may include exclusions to help clarify what is not covered. Less severe forms of a covered condition may be excluded under the main definition but may still be eligible for a partial payment if that is offered by your insurer (see Optional benefits in section 5). Covered condition exclusion or moratorium period Some covered conditions are subject to an exclusion period, also known as a moratorium period. This means that your coverage for a specific condition will be excluded if you showed signs or symptoms of the condition, underwent testing that later led to the diagnosis, or were diagnosed with the condition within a specific number of days after purchasing the policy or reinstating the policy, no matter when your claim arises. UNDERSTANDING WHAT MIGHT BE EXCLUDED FROM YOUR POLICY 4 Tip: Every policy contract will have its own specific wording for exclusion or moratorium periods. Be sure to read these sections carefully and ask questions of your insurance agent or insurance company about how it applies.