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The following is a brief list of the most common reasons why a claim may not be accepted under pharmaceutical injuries insurance:
- Injury has occurred before policy inception
- Notice of injury is filed too late
- Injury is not likely to result from use of pharmaceutical
- Injury results from necessary risk taking during treatment of severe disease
- Injury is reasonably tolerable in view of the disease that is being treated
- Injury is insignificantInjury results from failure of pharmaceutical to have the intended effect
- Injury results from improper medication (patient injury)
- Injury results from misuse of pharmaceutical
Compensable pharmaceutical injuries and policy exclusions are defined in more detail in the terms and conditions governing pharmaceutical injuries insurance: Pharmaseutical injuries insurance - General Terms and Conditions (pdf)