Detail Exclusion

The Company shall not reimburse 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 Premium paid from Policy Issue Date or Policy Reinstatement Date, whichever is later, less the medical examination expense (if any) and/or expenses reasonably occurred for the underwriting process (if any).

1. Death Benefit:

The Member’s death results directly or indirectly, in whole or in part, from any of the following:

a.    The Member committed suicide or attempted suicide within two years from the date the Member’s insurance became effective, whether the Member is sane or insane; or

b.    The Member’s death results directly or indirectly from a committed criminal offense or an attempted commitment of a criminal offense by the Policyowner, Member, or Beneficiaries (Please refer to Section 8. Beneficiary); or

c.    The Member dies as a consequence of the Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV); or

d.    Pre-existing conditions which originated before the Member’s effective date of insurance. circumstances.

2. Total Disability Benefit: 

The Member’s total disability results directly or indirectly, in whole or in part, from any of the following:

a.    Attempted suicide or any self-inflicted injury, whether sane or insane; or

b.    The Member being under the influence of alcohol or the taking of any drug, except under the direction of a registered medical practitioner; or

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

d.    Commitment or attempted commitment of a criminal offense by the Policyowner, Member or Beneficiary or Beneficiaries (Please refer to Section 8. Beneficiary); or

e.    Acquired Immune Deficiency Syndrome (AIDS) or any complication associated with infection by the Human Immunodeficiency Virus (HIV); or

f.    Pre-existing conditions which originated before the later Member’s effective date of insurance.