What does income protection insurance typically not cover?

What income protection insurance typically does not cover in Australia includes pre-existing conditions, intentional self-harm, war, pregnancy, and unemployment, with exclusions in PDS from TAL, AIA, Zurich. Income protection, costing $30 to $100 per month for $5K monthly benefit 75% of income, does not cover pre-existing medical conditions in last 2 to 5 years that you did not disclose, such as back pain, mental health, with 2 year exclusion or loading 25% extra premium. Does not cover intentional self-inflicted injury, suicide and attempted suicide within 13 months. Does not cover war, terrorism and nuclear. Does not cover normal pregnancy, childbirth and elective surgery, though complications covered. Does not cover unemployment and redundancy, as it covers illness and injury only, not job loss, with separate redundancy insurance $30 per month for 3 months cover. Does not cover criminal activity and drug and alcohol misuse. Does not cover income loss if you resign voluntarily. Does not cover for first 30 to 90 days waiting period, so no benefit for short illness 2 weeks. Does not cover over 75% of income, so you get $3,750 for $5K salary, not full. So income protection does not cover pre-existing conditions, intentional injury, war, pregnancy, unemployment and first waiting period, check PDS for exclusions and disclose health history to avoid claim denial.