Singlife Smart Saver

If the Life Assured commits suicide (while sane or insane) within one year of the Policy Issue Date or the date of the last reinstatement of the Policy (whichever is later), the Policy will be void from the date immediately prior to the date of death. Where a change of Life Assured or a transfer of cover to the Secondary Life Assured has been made, if the new Life Assured commits suicide (while sane or insane) within 1 year of the effective date of a change of Life Assured, the issue date of the Endorsement for a change of Life Assured, a transfer of cover to the Secondary Life Assured or the date of the last reinstatement of the Policy (whichever is latest), the Policy will be void from the date immediately prior to the date of death.

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Accidental Injury directly or indirectly, wholly or partly caused by or arising from or contributed to by the following is excluded: (a) self-inflicted injuries, suicide or attempted suicide, while sane or insane; (b) bodily infirmity, illness or disease of any kind, or any infection other than an infection occurring simultaneously with and in consequence of a cut or wound of an Accidental Injury; (c) mental or psychiatric illness, anxiety, nervous disorders or sleep disturbance disorders; (d) whilst under the influence of alcohol, drugs or intoxication, even if the drug prescribed by a Registered Medical Practitioner, or the taking of poison or inhalation of gas, voluntarily or involuntarily; (e) while on duty in any navy, army, air force, military, firemen, civil defence, police or law enforcement organisation except where national service or reservist duties are carried out in Singapore or overseas (if this applies) under the Enlistment Act 1970; (f) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, assuming the proportions of or amounting to an uprising, military or usurped power; (g) as a result of travel in or on any type of aircraft other than as a crew member or fare paying passenger on a regularly scheduled passenger flight of an international commercial airline; (h) as a result of the Life Assured committing, attempting or provoking an assault or felony or any violation of the law by the Life Assured; (i) as a result of racing of any kind other than on foot; (j) as a result of participation in any aerial activity including parachuting and sky diving; or (k) as a result of participation in any underwater activity.

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Terminal Illness in the presence of HIV infection is excluded.

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