Benefit is not payable in respect of any pre-existing condition
for the hospital benefit for three years from the start of your
policy, or at the higher rate for three years following an increase
You are not covered for the birth/adoption of a child that takes
place within the first 12 months of your policy, or it will be paid
at the lower rate for 12 months following an increase in cover.
Benefit may also not be claimed if treatment is needed as a
result of participation in dangerous sports or through