Fidelity Life Funeral Cover (LifeProtect rider) vs OneChoice Funeral Insurance: Exclusions

Fidelity Life Funeral Cover — Fidelity Life Funeral Cover (LifeProtect rider)

Wording version 2025-04-30

exclusions: • We will cancel the cover, or the increased portion of cover, and retain any premiums paid if the insured person, whether sane or insane, dies by their own hand within 13 months of: the start date or the date of reinstatement, or the date of any increases in the sum insured, excluding increases due to CPI Increases. • Child's Funeral Assistance Benefit: death doesn't directly result from a known congenital condition, or any child pre-existing condition • Child's Funeral Assistance Benefit: death hasn't occurred within three months of the start date or reinstatement of their parent's Life Cover • Repatriation Benefit will not pay direct costs which can be or have been claimed, reimbursed, or paid for, under any of the following: a travel insurance policy, any other insurance policy, government aid or assistance, any other source. • Repatriation Benefit does not cover: the insured person's funeral, cremation, or the transportation of their ashes, or burial; the transportation or accommodation cost for a person to accompany the coffin or casket for repatriation; the transportation of the coffin or casket following its arrival in New Zealand or their home country; any other cost which is not a direct cost.

Source: https://www.fidelitylife.co.nz/media/rhwnwmfn/life-protect-life-cover-policy-wording.pdf

OneChoice Funeral Insurance — OneChoice Funeral Insurance

Wording version 2021-05-23

exclusions: • During the first 12 months after the Acceptance Date (or reinstatement date), no Funeral Insurance Benefit (or Accidental Death Benefit) is payable for death from any cause other than Accidental Death. • No Funeral Insurance Benefit is payable if a Life Insured is diagnosed with a Terminal Illness within 12 months of the Acceptance Date or within 12 months of the date on which the Policy is reinstated. • Accidental Serious Injury Benefit is not payable if the condition results from: an intentional self-inflicted bodily injury, suicide or attempted suicide. • Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any criminal activities or illegal acts. • Accidental Serious Injury Benefit is not payable if the condition results from: the consumption of drugs (unless it was under the direction of a Medical Practitioner and not in connection with treatment for substance abuse, drug addiction or dependence). • Accidental Serious Injury Benefit is not payable if the condition results from: the consumption of intoxicating liquor or other beverages, including having a blood alcohol content over the prescribed legal limit whilst driving. • Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any professional sport (meaning the Life Insured's livelihood is substantially dependent on income received as a result of playing sport). • Accidental Serious Injury Benefit is not payable if the condition results from: engaging in any motor sports as a rider, driver, and/or passenger. • Accidental Serious Injury Benefit is not payable if the condition results from: being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft. • Accidental Serious Injury Benefit is not payable if the condition results from: war (whether declared or not) or war-like activity, or taking part in a riot or civil commotion. • Accidental Serious Injury Benefit cover ends on the Policy Anniversary following the Life Insured's 75th birthday. • Blindness due to cataracts is excluded from the Blindness in Both Eyes definition under the Accidental Serious Injury Benefit.

Source: https://www.onechoice.co.nz/documents/onechoice-funeral-insurance-policy-document.pdf