If death, critical illness or disability occurs within six months of credit card payment insurance taking effect and you were treated during the six months prior to the insurance taking effect for the same illness, symptom or injury that directly or indirectly resulted in the death or disability, then no benefits will be payable.

You are considered to have been treated if you have:

• Consulted or received treatment from a doctor or other healthcare professional
• Received treatments
• Undergone tests
• Taken medication
• Been hospitalized