For death and permanent disability claims there is a 12-month pre-existing medical condition exclusion. This means
for the first 12 months following the commencement of your cover under the Policy, you will not be covered in
respect to claims that arise from any medical condition that you were aware of, have consulted a medical practitioner for, or have received treatment for in the 12 months preceding the commencement of your cover.
For retrenchment claims no benefit will be paid if you have been employed by your employer for less than 12
months prior to your retrenchment and no benefit will be paid should your retrenchment occur within 3 months of
the commencement of your cover under the Policy