You are not eligible for coverage under this policy if any of the following apply to you:

a) you are travelling against the advice of a physician;
b) you have been diagnosed with a terminal illness with less than 2 years to live;
c) you have a kidney condition requiring dialysis;
d) you have used home oxygen during the 12 months prior to the date of application;
e) you have been diagnosed with Alzheimer’s disease or any other form of dementia;
f) you are under 30 days or over 85 years of age (over 69years of age for $150,000 Emergency Medical coverage);
g) you reside in a nursing home, home for the aged, other long term care facility or rehabilitation center; and/or
h) you require assistance with activities of daily living