Common use of Mental disorders Clause in Contracts

Mental disorders. stress, anxiety or depression including home sickness or any other mental disorder, except where: a) the mental disorder did not exist prior to the commencement of the period of insurance; and b) where you provide a medical report from a registered healthcare practitioner specialised in the relevant medical field stating that you suffer from a recognised mental disorder; provided that, where a recognised mental disorder is accepted by us, you are responsible for a fifty percent (50%) share of the cost of the claim.