Are there any pre-existing condition exclusions on my cover?
No, all NobleOak applications are fully underwritten at the time you apply for cover, so nothing should ‘come out’ at claim time. Apart from the industry standard 13-month suicide exclusion, there are no other built in exclusions in a NobleOak Life Insurance plan. Any pre-existing condition exclusions specific to you would have been discussed and agreed with you before the insurance is issued. This gives you peace of mind that there won’t be any nasty surprises at claim time.
At NobleOak we believe this is the best way to provide Life Insurance cover. We like to do everything right from the start, so you can have greater confidence in your cover. As long as you have fully and correctly disclosed your medical history and other relevant details in the application, your future claim will be assessed and processed smoothly.