CR390 Pre-existing condition exclusion / causation Exclusion clause – whether claim directly or indirectly attributable to pre-existing condition – test for legal causation The exclusion
CR380 Policy Exclusion: death due to participation in criminal act Accident – Deceased hit by a train while allegedly walking on a railway line –
CR321 Exceptions and exclusions Retrenchment benefit – cover not applicable to independent or fixed term contractors – complainant employed on a temporary basis. 1. The
Exceptions, Exclusions and Waiting Periods CR308 Exclusion c lause –causation – clause requiring that the claim event must be “as a consequence of” the pre-existing
Exceptions, Exclusions and Waiting Periods CR299 Exclusion clause – causation. BACKGROUND The deceased, a 34-year old male, was granted cover under a policy the inception
Exceptions, Exclusions and Waiting Periods CR300 Exclusion clause – causation. BACKGROUND The deceased, a 30-year old male, was granted cover under a policy the inception