Typical exclusions include:
- unemployment which was known about at the start of the policy or occurring within a specified period of taking out the policy
- deliberate acts, wilful actions, self-inflicted injury, drugs or alcohol abuse
- unemployment brought about by the insured choosing to resign or take early retirement or voluntary redundancy
- war or similar risks
- normal pregnancy or childbirth
- pre-existing medical conditions, unless the customer has been symptom free for 24 months before the claim
- HIV or AIDS
- seasonal or fixed-term employment
- claims occurring within the waiting period
- Dismissal due to misconduct, voluntary redundancy or retirement.
In addition, some policies may also exclude some or all of the following:
- back conditions;
- mental health conditions;
- chronic conditions
