In the first 12 months - We won’t pay the claim if the policyholder dies, unless it’s as a result of an accident. Death must also occur within 90 days of the accident. Some accidents are excluded and you’ll find full details in the plan conditions, section A1. If death occurs from a cause other than an accident in the first 12 months we’ll return the amount paid in premiums. We won’t pay a claim if we find out that it’s fraudulent. For example, the insured person hasn’t really died.