Critical illness cover typically excludes illnesses resulting from which of the following?

• A. War or civil unrest
• B. Common cold
• C. Back pain
• D. Allergies

Answer: (A)

Critical illness cover is meant to pay a lump sum if you’re diagnosed with defined serious illnesses, but it also includes exclusions to limit payouts for events that aren’t medical conditions you develop. A common exclusion is illnesses arising from war or civil unrest. These are external events, not a medical diagnosis you contract through illness, and they carry unique risks and uncertainties for insurers. Because of that, the policy typically states that no benefit is payable for conditions caused by war or civil unrest, even if the condition meets a defined illness category in other circumstances.

The other options describe ordinary health issues (like a cold, back pain, or allergies). These aren’t typical reasons to pay out under critical illness, since the policy’s payout is tied to specified serious illnesses, not common ailments or everyday symptoms.