Direct - AIA Term Cover

If the Insured, whether sane or insane, commits suicide within one year from the issue date or reinstatement date of the basic policy, whichever is later, our liability shall only be limited to the refund of premiums paid without interest.

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No Terminal Illness Benefit shall be payable under the basic policy for the conditions stated below: i. Terminal Illness other than a diagnosis of Terminal Illness as defined in the Terminal Illness Benefit section above; or ii. where the symptoms of the Terminal Illness first occurred prior to the issue date or reinstatement date of the basic policy, whichever is later, or for which the diagnosis of Terminal Illness was made within thirty (30) days following the issue date or reinstatement date of the basic policy, whichever is later; or iii. where in our opinion, the diagnosis of Terminal Illness of the Insured was directly or indirectly due to Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV); or iv. any pre-existing illnesses, diseases, impairments or conditions from which the Insured is suffering prior to the issue date or reinstatement date, whichever is later, unless the Insured makes a declaration in the application or reinstatement of the basic policy, and such application is specifically accepted by us.

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The TPD Benefit shall not cover any TPD caused directly or indirectly, wholly or partly, by any one or more of the following occurrences: i. self-destruction or any attempt at self-destruction while sane or insane; or ii. engaging in or taking part in air, military or naval service in time of declared or undeclared war or while under order for warlike operations or restoration of public order; or iii. entering, operating, or servicing, riding in or on, ascending or descending from or with any aerial device or conveyance (except where the Insured is in an aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route or by the Republic of Singapore Air Force).

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Terminal illness in the presence of HIV infection is excluded.

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