AIA Platinum Retirement Elite

if the Insured, whether sane or insane, commits suicide within one year from the issue date or reinstatement date of the policy, whichever is later

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any material misrepresentation or concealment during the 2-year period beginning from the issue date or reinstatement date of the policy, whichever is later

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fraud at any time

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any Terminal Illness the symptoms of which first occurred prior to the issue date or reinstatement date of your Policy, whichever is later, or for which the diagnosis of Terminal Illness was made within 30 days following the issue date or reinstatement date of your Policy, whichever is later.

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Terminal Illness in the presence of HIV infection is excluded.

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where, in our opinion, the Terminal Illness was directly or indirectly due to Acquired Immunodeficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV).

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Accidental Death Benefit: war (whether declared or, undeclared or otherwise), invasion, civil war, revolution or any warlike operations

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Accidental Death Benefit: violation or attempted violation of the law or resistance to arrest

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Accidental Death Benefit: suicide or attempted suicide, intentional self-injury or exposure to exceptional danger (except in an attempt to save human life)

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Accidental Death Benefit: childbirth, pregnancy or miscarriage or any complications concerning therewith notwithstanding that such event may have been accelerated or induced by Injury, and/or any treatment arising from any such event therefrom

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Accidental Death Benefit: treatment of alcoholism, drug abuse or any other complications arising there-from, or Accidents caused by or whilst under the influence of drugs or alcohol or drug overdose (whether intentional, accidental or otherwise)

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Accidental Death Benefit: engaging in air travel (except as a fare-paying passenger in any properly licensed private and/or commercial aircraft, or as a crew member in a properly licensed commercial aircraft operated by a commercial passenger airline on a regular scheduled passenger trip over its established passenger route)

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Accidental Death Benefit: engaging in a sport in a professional capacity or where the Insured would or could earn income or remuneration from engaging in such sport

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Accidental Death Benefit: engaging in racing of all kinds (other than on foot and swimming)

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Accidental Death Benefit: engaging or taking part in air, military, naval training, exercises, manoeuvres, warlike operations or handling of explosives and demolition materials or while under orders for restoration of public order, whether in time of peace, declared, undeclared war or otherwise, except where operationally ready national service duties are carried out in Singapore or overseas (if applicable) pursuant to the Enlistment Act 1970.

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