NZ Seniors Funeral Insurance vs OneChoice Funeral Insurance: Exclusions

NZ Seniors Funeral Insurance — NZ Seniors Funeral Insurance

Wording version 2026-05-18

exclusions: • During the first 12 months after the Acceptance Date, a Funeral Insurance Benefit Amount (and the Accidental Death Benefit) will only be paid if the Life Insured suffers Accidental Death. This means that no benefit is payable if a Life Insured dies as a result of any other cause during this period. • We will not pay a Funeral Insurance Benefit Amount if a Life Insured is diagnosed with a Terminal Illness within 12 months of the Acceptance Date of the Policy, or within 12 months of the date on which this Policy is reinstated. • an intentional self-inflicted bodily injury, suicide, or attempted suicide • engaging in any criminal activities or illegal acts • 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) • the consumption of intoxicating liquor or other beverages, including having a blood alcohol content over the prescribed legal limit whilst driving • engaging in any professional sport (meaning the Life Insured's livelihood is substantially dependent on income received as a result of playing sport) • engaging in any motor sports (land or water) as a rider, driver and/or passenger • being a pilot or crew member of any aircraft, or engaging in any aerial activity except as a passenger in a properly licensed aircraft • 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

Source: https://www.nzseniors.co.nz/documents/seniors-funeral-insurance-policy-document.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