Detail Exclusion
The Company shall decline any covered benefit(s) resulted from either directly or indirectly, wholly or partly from any of below item(s). If the claim denial leads to the termination of this Policy, the liability of the Company shall be limited only to the return of total actual Premiums paid without any interest, less any indebtedness (if any) and any expenses occurs for the underwriting process (if any).
Exclusions for Critical Illness Benefit
a. All Pre-existing conditions and the complications arising from the Pre-existing Conditions; or
b. All Major Critical Illness presenting or diagnosed within the Waiting Period,
c. Congenital diseases or birth defects; or
d. Disease/s resulting from Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immune Deficiency Virus (HIV) (except in casesof HIV due to blood transfusion/ Occupationally acquired AIDS)
e. Attempted suicide and Self-inflicted injuries while sane or insane
f. The Life Insured being under the influence of alcohol or the taking of any drug, except under the direction of a registered medical practitioner