Definition
Exclusions narrow the cover. Some are universal across NZ life policies (war, self-inflicted injury during the suicide exclusion period). Others are policyholder-specific from underwriting (e.g. excluded mental-health claims, excluded back conditions). Always read the schedule attached to your policy issue letter — that is where your personal exclusions sit.
Related topic comparisons
See also
- Suicide exclusion period — A period at the start of a life policy during which a claim by suicide is not paid (premium refunded instead).
- Pre-existing condition — A health condition you had (or had symptoms of, or sought treatment for) before the policy started.
Not personalised financial advice. Definitions are editorial framings of how the term is used across NZ life cover. Your specific policy wording is the authoritative source.