Examples of travel and income protection insurance policies with blanket mental health exclusions

Insurer

Wording of exclusion

We won’t pay for costs arising in any way from:

15. Any mental illness as defined by Diagnostic and Statistical Manual of Mental Disorders (DSM-IV), whether or not the condition arises independently or is secondary to other medical conditions, including but not limited to: dementia, depression, anxiety, stress, or other mental or nervous conditions (except claims following assault as outlined under Section 1.5 – Clinical psychology (Explorer Plan); behavioural diagnoses; a drug or alcohol addiction; eating disorders.

p 40: We will not pay under any circumstances if:

cl B.8: Your claim arises from or is in any way related to mental illness including: dementia, depression, anxiety, stress or other mental or nervous condition; or conditions that have resulted in behavioural issues; or a therapeutic or illicit drug or alcohol addiction.

cl 11: We will not (under any Section) pay for claims arising directly or indirectly from:

(18): Your nervous, anxiety or stress disorders resulting in a disinclination to travel or complete Your Journey.

cl 10: We will not pay (under any Section) for claims arising directly or indirectly from:

(16): Your or a Travelling Companion’s nervous, anxiety or stress disorders resulting in a disinclination to travel or complete Your Journey.

p 36-40: To the extent permitted by law we will not pay if:

Your claim arises from or is in any way related to:

• mental illness or:
  dementia, depression, anxiety, stress
• or other mental or nervous condition; or
• conditions that have resulted in behavioural issues; or
• a therapeutic or illicit drug or alcohol addiction.

p 48: We will not pay for any claim or loss under any circumstances if Your claim Arises from:

cl 28: or is in any way related to depression, anxiety, stress, mental or nervous conditions

p 24: We will not pay for any claim arising from or relating to the following:

cl 27: Any mental illness defined by DSM IV including but not limited to dementia, depression, anxiety, stress, or other nervous condition, behavioural diagnoses such as autism, eating disorders, a drug or alcohol addiction.

We will not pay for:

B.7 Your claim arises from or is in any way related to:

• mental illness; or
• dementia, depression, anxiety, stress or other mental or nervous condition; or
• conditions that have resulted in behavioural issues;

[…]

Insurer

Exclusion

p 13

We do not pay any claim arising directly or indirectly from:

[…]

a mental illness condition

p 24: General exclusions for both Income Protection Cover and Essentials Cover –

We won’t pay a benefit if the claim is caused directly or indirectly by:

• Any mental health disorder; including anxiety disorders, depression and stress, disorders related to fatigue, drug or alcohol abuse

p 13: When is a benefit not payable?

No Sickness and Injury or Permanent Disability Cover Benefit will be payable for:

• Any mental health disorder, including anxiety, depression, stress, adjustment disorders, eating disorders, emotional or behavioural disorders, disorders relating to fatigue including chronic fatigue syndrome, myalgia, drug or alcohol abuse, psychosomatic disorders, or any treatment complications;

[…]

P 12: We will not pay an Income Benefit in respect of a claim for a Disabling Sickness or Injury occurring directly or indirectly from:

• a Mental Disorder or Illness;

 […]

P 16: We will not pay a Homemaker Benefit in respect of a claim for a Sickness or Injury occurring directly or indirectly from:

[…]

• a Mental Disorder or Illness

P 11: We will not pay a claim arising directly or indirectly from:

·       a mental illness condition;

[…]

P 7

10. We will not pay the monthly benefit if the serious illness or injury occurred directly or indirectly from;

• A mental disorder, illness or condition.

P 11: We will not pay an Income Benefit in respect of a claim for a Disabling Sickness or Injury occurring directly or indirectly from:

• a Mental Disorder or Illness; or

[…]

P 11: We will not pay an Income Benefit in respect of a claim for a Disability occurring directly or indirectly as a result of:

·       a Mental Disorder or Illness; or

[…]

P 11: […] For nib Income Protection cover and Basics cover or when making a claim for Permanent Disability Cover or Involuntary Unemployment Cover, no Benefit will be payable under this Policy if the event giving rise to the claim is caused directly or indirectly by:

• Any mental health disorder, including: anxiety disorders and depression; stress or adjustment disorders; eating disorders; emotional or behavioural disorders; drug or alcohol abuse; psychosomatic disorders; or any treatment complications.

[…]

P 26: […] For your standard personal Cover on Income Protection Plus (Rate Saver and Time Saver), or when making a claim for Permanent Disability Cover, no Benefit will be payable under this Policy if the event giving rise to the claim is caused directly or indirectly by:

• Any mental health disorder, including: anxiety disorders and depression; stress or adjustment disorders; eating disorders; emotional or behavioural disorders; drug or alcohol abuse; psychosomatic disorders, or any treatment complications.

[…]