Singapore · Topic
Exclusions across Singapore life insurance products
Circumstances under which the policy will not pay out.
47 of 50 active products on the policy library surface a value for this topic. Each value is extracted from the insurer's Product Summary on compareFIRST.sg.
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. · 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, w…
If the Insured commits suicide within one year from the policy issue date or date of reinstatement, whichever is later, our liability will be limited to a return of premiums paid without interest. · TPD Benefit exclusion: Any disability caused directly or indirectly, wholly or partly, by any of the following occurrences: (a) deliberate acts that endanger oneself, whether sane or insane, including any of the following: (i) while in violation or attempted violation of the law or resistance to arrest; or (ii) suicide or attempted suicide, intentional self-injury, or exposure to exceptional dan…
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 · any material misrepresentation or concealment during the 2-year period beginning from the issue date or reinstatement date of the policy, whichever is later · fraud at any time · 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 Po…
any Terminal Illness the symptoms of which first occurred prior to the Issue Date or Reinstatement Date of your Policy, subject to paragraph (c) below, 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. · 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). · any and all pre-existing illnesses, diseases, impairments or conditions from which the Insu…
If a Secondary Insured was appointed before the death of the Insured, death benefit will not be paid on the death of the Insured. · If a Secondary Insured was appointed before the death of the Insured, accidental death benefit will not be payable. · Accidental Death Benefit: If the Insured dies due to an injury within 90 days from the date of the accident that occurs within 2 policy years from the issue date of your policy. · No reduction in the amount of regular premium shall be allowed until the 4th annual / 8th semi-annual / 16th quarterly / 48th monthly regular premium has been paid. · …
if the Insured, regardless of sanity, commits suicide within one year from the issue date or reinstatement date of the policy, whichever is later; our liability shall be limited to 100% of the policy value. · any material misrepresentation or concealment during the 2-year period beginning from the issue date or reinstatement date of the policy, whichever is later; our liability shall be limited to 100% of the policy value. · fraud at any time; our liability shall be limited to 100% of the policy value.
If the Insured commits suicide within 1 year from the policy issue date or date of reinstatement (where applicable), whichever is later, our liability will be limited to a return of premiums paid without interest. · You will not be able to exercise Premium Pass Option under this policy if: (a) you were not a Full-Time Employee immediately before your Involuntary Retrenchment; (b) you were self-employed or employed by your Immediate Family Member or a business owned by your immediate family member; (c) you and/or your Immediate Family Member (whether singly, jointly or in the aggregate) were…
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. · 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, subj…
If the Insured commits suicide within one year from the policy issue date or date of reinstatement, whichever is later, our liability will be limited to a return of premiums paid without interest.
If the Insured commits suicide (regardless of sanity) within 1 year from the policy issue date or reinstatement date, whichever is later or otherwise specified, our liability shall be limited to the refund of premiums paid without interest. · TPD Benefit exclusions: Any disability caused directly or indirectly, wholly or partly, by any of the following occurrences: (a) deliberate acts that endanger oneself, whether sane or insane, including any of the following: (i) violation or attempted violation of the law or resistance to arrest; or (ii) suicide or attempted suicide, intentional self-in…
We will not pay the death benefit if the life assured dies due to suicide, while sane or insane, within 1 year from the date of issue of the policy or from the date of any reinstatement, the policy will be rendered void and we will refund all premiums paid. · We will not pay the TPD benefit for TPD resulting from: (a) self-inflicted injury, while sane or insane; (b) bodily injury sustained while the life assured is in or on an aircraft other than: (i) as a fare-paying passenger or a crew member on an aircraft licensed for passenger service and operated by a regular airline on a scheduled ro…
We will not pay the benefit if the life assured commits suicide, while sane or insane, within 1 year from the date we issue the policy or from the date of any reinstatement, whichever is later. The policy will be void. · We will not pay any benefit for TPD resulting from: (a) self-inflicted injury, while sane or insane; (b) bodily injury sustained while in or on an aircraft other than: (i) as a fare-paying passenger or a crew member on an aircraft licensed for passenger service and operated by a regular airline on a scheduled route; or (ii) as a member of the armed forces travelling as a pa…
We will not pay the benefit if the life assured dies due to suicide while sane or insane within 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy. The policy will be void. We will refund all the premiums you have paid without interest. · We will not pay any benefits for: (a) terminal illness in the presence of Human Immunodeficiency Virus ("HIV") infection; or (b) pre-existing terminal illness.
We will not pay any benefit for death resulting from: (a) suicide, while sane or insane; or (b) any pre-existing condition, within 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy. The policy will be void. We will refund all the premiums you have paid without interest (after deducting any outstanding debt, and any benefits and/or bonuses paid). · We will not pay the benefit for TPD resulting: (a) directly or indirectly, wholly or partly from self-inflicted injury, while sane or insane; (b) directly or indirectly, wholly or partly, f…
We will not pay the benefit if the life assured dies due to suicide, while sane or insane, within 12 months from the date we issue the policy or from the date of reinstatement (if applicable). We will terminate your policy and pay the account value calculated as the next valuation date following our receipt of notification of the death. · For policies issued under simplified underwriting, we will not pay the benefit if the death is due to any pre-existing condition within 12 months from the date we issue the policy or from the date of reinstatement (if applicable). · We will not pay any ben…
If the life assured dies by suicide, while sane or insane, or from any pre-existing condition, within 12 months from the date of issue of the policy or from the date of any reinstatement, the policy will be rendered void and we will refund all premiums paid without interest (after deducting any outstanding debt, and any benefits and/or bonuses paid). · Payment of the TPD Benefit will not be made for: (a) Pre-existing TPD; (b) TPD resulting directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane; (c) TPD resulting directly or indirectly, wholly or partly, f…
We will not pay the benefit if the life assured commits suicide, while sane or insane, within 1 year from the date we issue the policy or from the date of any reinstatement, whichever is later. The policy will be void. · We will not pay the terminal illness benefit for: (a) terminal illness in the presence of HIV infection; or (b) any pre-existing condition. · We will not pay the TPD benefit for TPD resulting: (a) directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane; (b) directly or indirectly, wholly or partly, from bodily injury sustained while in or …
Death benefit: We will not pay the benefit if the life assured: (a) dies due to suicide, while sane or insane; or (b) dies due to any pre-existing condition, within 12 months from the date we issued the policy or from the date of reinstatement (if applicable). Your policy will be terminated. · TPD benefit: We will not pay the benefit for: (a) TPD resulting directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane; (b) TPD resulting directly or indirectly, wholly or partly, from bodily injury sustained while the life assured is in or on, or boarding or descen…
We will not pay any benefit for death due to: (a) suicide while sane or insane; or (b) any pre-existing condition, within 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy. · We will not pay any benefit for TPD resulting directly or indirectly, wholly or partly, from self-inflicted injury, while sane or insane. · We will not pay any benefit for TPD resulting directly or indirectly, wholly or partly, from bodily injury sustained while the life assured is in or on, or boarding or descending from, an aircraft other than as a: (i) fare-p…
We will not pay any benefit for death due to: suicide while sane or insane within 12 months from the date we issue the policy or from the date of reinstatement (if applicable) of the policy. · We will not pay any benefit [for terminal illness benefit] if the life assured has Human Immunodeficiency Virus (HIV) infection.
Death Benefit: The cash-in value at the time we are told about the claim will be paid if the insured commits suicide within one year from the cover start date. · Terminal Illness (TI) Benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault, or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. · Total and Permanent Disability (TPD) Benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted su…
This policy is not valid if the insured commits suicide within one year from the cover start date. · We will not pay the TPD benefit if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. · We will also not pay the TPD benefit unless the insured is certified by a specialist to have been totally and permanently disabled for at least six months in a row. · We will not pay the Terminal Illness benefit if your claim arises fro…
This policy is not valid if the original insured commits suicide within one year from the cover start date. We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date. · We will not pay the terminal illness benefit if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. · After you have been continuously covered for two years from the cov…
This policy is not valid if the insured commits suicide within one year from the cover start date. The total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date will be refunded. · The Terminal Illness benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. · After you have been continuously covered for one year from the cover start …
If the insured commits suicide within one year from the cover start date, we will pay the policy value less any bonus at the time we are told about the claim. · TI Benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault, or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. · After you have been continuously covered for two years from the cover start date, we will pay your claim unless: it is a case of fraud; you fail to pay a premium; the insured has a …
This policy is not valid if the insured commits suicide within one year from the cover start date. We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date. · Terminal Illness Benefit is not payable if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault, or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. · After you have been continuously covered for one year from the cover start date,…
This policy is not valid if the insured commits suicide within one year from the cover start date. We will refund the total premiums paid, without interest, less any amounts we have paid you and any amount you owe us, from the cover start date. · The TI benefit is not payable if the claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. · Under the definition of total and permanent disability (TPD), if the insured is under 65 year…
This policy is not valid if the insured commits suicide within one year from the cover start date. We will refund the total premiums paid, without interest, less any amounts we have paid you, and any amount you owe us, from the cover start date. · We will not pay the Terminal Illness benefit if your claim arises from: deliberate acts such as self-inflicted injuries, illnesses or attempted suicide; unlawful acts, provoked assault, or deliberate exposure to danger; or the effects of alcohol, drugs or any dependence. · After you have been continuously covered for one year from the cover start …
If the life assured dies from suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will void your policy. In this case, we cancel it and refund the total premiums received from you. We will first deduct any policy loans (including interest), automatic premium loans (including interest), surgical and nursing loans and all other amounts you owe us in connection with your policy and expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy. · If the life assured dies directly or indirectly from …
If the life assured dies from an activity under special exclusion and special terms and conditions shown in your certificate of life assurance, we do not pay the death benefit but we will either: pay you the value of all the units in your account; or refund the total premiums paid by you, minus any withdrawals, whichever is higher, less any outstanding amounts you owe us. · If the life assured commits suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will void your policy. · We do not pay [Accelerated Terminal Illness Benefit] if the lif…
If the life assured dies from suicide within 12 months from the cover start date of your policy or from the date of reinstatement (if any), we will void your policy, we cancel it and refund the total premiums received from you. · If the life assured dies from a pre-existing Condition within 12 months from the cover start date of your policy or from the date of reinstatement (if any), we will refund the total premiums received from you. · We do not pay Accidental Disability Benefit if the disability existed at the cover start date or date of reinstatement (if any) of this benefit and if the …
There are certain conditions (such as death from suicide or Pre-existing Condition within 12 months from Cover Start Date or date of reinstatement (if any)) under which no benefits will be payable. These are stated as exclusions in the policy document. · "Pre-existing Condition" is the existence of any signs or symptoms for which treatment, medication, consultation, advice or diagnosis has been sought or received by the life assured or would have caused an ordinary prudent person to seek treatment, diagnosis or cure, prior to the Cover Start Date or date of reinstatement (if any) of this be…
If the life assured dies directly or indirectly from an activity under special exclusion or special terms and conditions shown in your certificate of life assurance, we do not pay the sum assured but we will refund the total premiums, without interest, received from you less expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy. · If the life assured dies from suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will make your policy void. In this case, we cancel it and refund the total p…
If the life assured dies due to a pre-existing condition within 12 months from the cover start date of the policy, we pay the higher of: the value of all the units in the Account; or the total premiums paid less any withdrawals, all outstanding amounts owing to us in connection with the policy and expenses (including but not limited to administrative, sales related and medical expenses, if any) incurred by us on the policy. · If the life assured dies due to a pre-existing condition within 12 months from the date of an increase in the premium, we pay the higher of: the value of the units of …
If the life assured dies from suicide within 12 months from the cover start date or date of reinstatement (if any) of your policy, we will void your policy. In this case, we cancel it and refund the total premiums received from you. We will first deduct any withdrawals, dividend payments, all other amounts you owe us in connection with your policy and expenses (including administrative, sales-related and medical expenses) we have had to pay for your policy. · If the life assured dies due to a pre-existing condition within 12 months from the cover start date or date of reinstatement (if any)…
If the life assured dies directly or indirectly from an activity under Special Exclusion or Special Terms and Conditions shown on your Certificate of Life Assurance, we do not pay the Death Benefit but will refund the total premiums, without interest, received from you less expenses incurred by us on your policy. · If the life assured dies from suicide within 12 months from the Cover Start Date or date of reinstatement of your policy, we will cancel your policy and refund the total premiums, without interest, received from you less expenses incurred by us on your policy. · If the life assur…
There are certain conditions (such as death from suicide or Pre-existing Conditions within 12 months from Cover Start Date, or date of reinstatement (if any) under which no benefits will be payable. These are stated as exclusions in the policy document. · "Pre-existing Condition" is the existence of any signs or symptoms for which treatment, medication, consultation, advice or diagnosis has been sought or received by the life assured or would have caused an ordinary prudent person to seek treatment, diagnosis or cure, prior to the Cover Start Date or date of reinstatement (if any) of this b…
We will not pay the death benefit if: the life assured commits suicide as stated in section 8.1. Suicide; or your policy ends. · We will not pay the terminal illness benefit for terminal illness in the presence of human immunodeficiency virus (HIV) infection. · We will not pay the total and permanent disability benefit if your claim is directly or indirectly, wholly or partly caused by or arising from or contributed to by: deliberate acts such as self-inflicted illness or injury, while sane or insane; attempted suicide; injuries sustained during travel on any type of aircraft except as a fa…
We will not pay the death benefit if the life assured commits suicide as stated in section 10.1. Suicide. · We will not pay the terminal illness benefit for terminal illness in the presence of human immunodeficiency virus (HIV) infection. · We will not pay the total and permanent disability benefit if your claim is directly or indirectly, wholly or partly caused by or arising from or contributed to by: deliberate acts such as self-inflicted illness or injury, while sane or insane; attempted suicide; injuries sustained during travel on any type of aircraft except as a fare-paying passenger o…
We do not pay the Interim Accidental Death Benefit under this Policy if death is directly or indirectly, wholly or partly caused by or arising from or contributed to by: suicide, attempted suicide or other intentional self-inflicted injury, while sane or insane; active participation in war (declared or undeclared), civil war, war-like actions and/or acts of terrorism; resulting from or in connection with the use of nuclear, biological and/or chemical weapons in any act of war (declared or undeclared), civil war, war-like actions and/or acts of terrorism; any navy, army, air force, military …
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 voided from the date immediately before the date of death. · Terminal Illness in the presence of HIV infection is excluded.
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 voided from the date immediately before 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…
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. We will refund without interest, the account value of the policy based on the unit price on the next appropriate fund valuation date immediately following the date We receive the death claim notification, less any amount of Welcome Bonus and Loyalty Bonus paid from the policy issue date or the date of the last reinstatement of the policy (whic…
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 t…
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 voided from the date immediately prior to the date of death. · 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 an…
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