Exclusion for Manulife គាំពារ

No covered benefits will be payable if the occurrence of insured event resulted from either directly or indirectly, wholly or partly from any of below item(s). If the covered event is not payable and leads to the termination of this Policy, the liability of the Company shall be limited only to the return of total Premium paid from Policy Issue Date or Policy Reinstatement Date (whichever is later) to the Policyowner, less any medical examination expense (if any) and/or expenses reasonably occurred for the underwriting process (if any). 

Exclusions for Cancer Benefit

1.    All Pre-existing conditions and the complications arising from the Pre-existing Conditions; or

2.    All Cancer presenting, or any symptoms presenting or diagnosed within the Waiting Period, inclusive of all Early-Stage Cancer that is first diagnosed during the Waiting Period and that progress to a Late-Stage Cancer after the Waiting Period expired; or

3.    Congenital diseases or birth defects; or

4.    Disease/s resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immune Deficiency Virus (HIV); or      

5.    Any conditions that are excluded under each covered Cancer definition.

Exclusions for Death Benefit

1.    Suicide or attempted suicide, whether the Life Insured is sane or insane, within two (2) years from the Policy Issue Date or the last Policy Reinstatement Date, whichever is later (this exclusion is not applicable after two (2) years period per stated above); or   

2.    A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries (please refer to Section 8. Beneficiary of Insurance Policy); or

3.    Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).

Exclusions for Total and Permanent Disability Benefit

1     Attempted suicide or any self-inflicted injury, whether the Life Insured is sane or insane; or

2.    A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries (please refer to Section 8. Beneficiary of Insurance Policy); or

3.    Any unprescribed drug, alcoholic substance as stipulated in applicable laws and regulations, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled; or

4.    War or any act of war, whether declared or not, riot, insurrection, civil commotion, strikes terrorist activities, whether or not the Life Insured was participating therein; or

5.    Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).