What conditions are typically excluded from trauma insurance coverage?

Trauma insurance policies contain several standard exclusions that prevent claims under certain circumstances. Common exclusions include: self-inflicted injuries and suicide attempts (though some policies may cover suicide after the first 13 months), conditions directly caused by drug or alcohol abuse, conditions arising from participation in criminal activities, early-stage cancers specifically listed as excluded (such as most skin cancers except invasive melanoma, carcinoma in situ, pre-cancerous conditions), conditions that don't meet the severity threshold defined in the policy, cosmetic procedures and their complications (unless medically necessary), participation in dangerous activities or sports if not disclosed and covered by your policy, war, terrorism, or civil unrest in some policies, and genetic conditions detected through predictive genetic testing in some cases. Additionally, there's usually a qualifying period (commonly 90 days) after policy commencement during which you cannot claim for certain conditions like cancer, heart attack, or stroke, designed to prevent people from taking out insurance when they know they're about to be diagnosed. Mental health conditions are generally not covered by trauma insurance as they don't typically have the same objective medical definitions as physical conditions. It's crucial to carefully read your Product Disclosure Statement (PDS) as exclusions vary significantly between insurers and policy types.