You’re fired. If you lose your job due to something like gross negligence, your redundancy policy may not pay out.
You leave your job voluntarily. If you quit your job, and don’t have another one lined up, your policy normally won’t cover you.
You’re injured due to a reckless act. If you’re unable to work due to an injury you inflicted on yourself through a reckless or negligent act, you might not be covered.
Your injuries are self-inflicted. Injuries resulting from self harm typically aren’t covered.
Your illness is a result of substance abuse. Health issues clearly relating to substance abuse may not be covered.
Depending on your policy, there may be other exclusions too - so it’s always worth checking your policy details before getting cover.