Jargon Buster - Definition of Exclusions

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are conditions that are put on an insurance policy outlining when it will not pay out. Exclusions could be placed on insurance for medical conditions, hazardous activities and pursuits or for scenarios such as being outside of country or at war.

Many insurers place default exclusions on their policies where the specified conditions are not covered for any applicant. There are however certain policies like critical illness insurance, income protection and private medical insurance that may place individual exclusions on a policy dependant upon your own medical backgrounds.

Please note that all definitions are intended for general guidance only. For official and current definitions you should always double check your policy wording.

If you are in doubt of the meaning of any terms, why not email us on