What does Credit Life Insurance NOT cover?

Credit life insurance has limits. Common exclusions include suicide within the first 24 months, self-inflicted injuries, death or injury during a crime, pre-existing conditions you knew about, retrenchment you already expected, resignation or dismissal for misconduct, and war or nuclear events. Always read your policy schedule for the full list.

What does Credit Life Insurance NOT cover?

Like any insurance product, credit life cover has limits. The most common exclusions are:

• Suicide within the first 24 months of the policy.
• Self-inflicted injuries.
• Death or injury during the commission of a crime.
• Pre-existing medical conditions the customer was aware of when taking the loan (specifically for disability claims).
• Retrenchment where the customer was already aware they were about to be retrenched when they took the loan.
• Resignation or dismissal for misconduct — only retrenchment is covered.
• Death or injury from war, riot, or nuclear events.
• Activities classified as 'hazardous' (some adventure sports may need disclosure).

This list is not exhaustive — read your policy schedule for the full set of exclusions. If you're unsure whether something is covered, contact us and we'll find out for you.

For what is covered, read What does Credit Life Insurance cover? and the Credit Life FAQs.