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Are there any conditions, no matter how trivial, pertaining to illnesses or any previous bodily injury or medical conditions, occupational hazards, hobbies or past-times which may affect the assessment of the risks to be covered in terms of this application? Pre-existing conditions will be excluded from cover, for review upon request by the insured after a two year period of clear health confirmed by a medical practitioner, at underwriters' discretion. Illness claims arising during the initial 60 days from policy inception are not covered. Cover is immediate i.r.o. accident and for illness a 4 day waiting period applies.