AIA Secure Flexi Term

If the Insured, whether sane or insane, commits suicide within one year of the issue date or reinstatement date of the basic policy, whichever is later, unless otherwise specified in any supplementary agreements or endorsements, our liability shall only be limited to the refund of the total premiums paid without interest.

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No Terminal Illness or Terminal Cancer Benefit shall be payable under the basic policy for the conditions stated below: i. Where the symptoms of the Terminal Illness or Terminal Cancer first occurred prior to the issue date or reinstatement date of the basic policy, subject to paragraph (iv) below, whichever is later; ii. Where the diagnosis of Terminal Illness or Terminal Cancer was made within thirty (30) days following the issue date or reinstatement date of the basic policy, whichever is later; iii. Where in our opinion, the diagnosis of Terminal Illness or Terminal Cancer 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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Terminal illness in the presence of HIV infection is excluded.

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This supplementary benefit shall not cover any TPD caused directly or indirectly, wholly or partly, by any one or more of the following occurrences: (a) deliberate acts that endanger oneself: (i) violation or attempted violation of the law; and (ii) suicide or attempted suicide or intentional self-injury, and exposing oneself to exceptional danger (except in an attempt to save human life), whether sane or insane; (b) 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 (c) 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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