What exclusions apply to TPD insurance policies?

TPD insurance policies contain several standard exclusions that prevent claims in certain circumstances. Pre-existing medical conditions that existed before you took out the policy are typically excluded, especially if you didn't disclose them during the application process - non-disclosure is one of the most common reasons for claim rejection. Self-inflicted injuries and intentional acts, including suicide attempts, are excluded from coverage. Disabilities resulting from illegal or criminal activities are not covered. Injuries or disabilities arising from war, terrorism, acts of foreign enemies, or civil unrest are excluded. Some policies exclude or limit mental health conditions, particularly older policies, though this is becoming less common. Drug and alcohol-related conditions may be excluded if the disability was caused by substance abuse. High-risk activities might be excluded unless you pay additional premiums - this can include skydiving, motor racing, or professional sports. Normal pregnancy is excluded, though complications may be covered. Each policy is different, so reviewing your Product Disclosure Statement is essential.