Exclusions for Accidental Death Benefit, Permanent Disability Benefit & Critical Illness Benefit:
The Accidental Death Benefit, Permanent Disability Benefit & Critical Illness Benefit would not be paid out in the following circumstances:

(1) Self inflicted injuries, suicide, insanity, immorality, committing any breach of law or being under the influence of drugs, liquor etc.

(2) When the life insured is engaged in aviation or aeronautics other than as a passenger on a licensed commercial aircraft operating on a scheduled route.

(3) Due to injuries from war (whether war is declared or not), invasion, hunting, other dangerous hobbies or activities, or having been on duty in military, para-military, security or police organization.


Additional Exclusions for Critical Illness Benefit:
(1) Unreasonable failure to seek or follow medical advice.

(2) Any pre-existing medical condition not disclosed at inception.

(3)Infection with Human Immunodeficiency Virus (HIV) or condition due to Acquired Immune Deficiency Syndrome (AIDS).

(4) In addition, no benefit would be paid in respect of the exclusions specific to each critical illness.


Exclusions for Life Guardian Benefit:
No claim under the Life Guardian Benefit would be admitted if, within one year of the date of issue of this benefit, the proposer commits suicide, whether being sane or insane at the time of committing suicide.


Exclusions for Accidental Disability Guardian Benefit:
No claim under the Accidental Disability Guardian Benefit would be admissible in the following circumstances:
(1) Self-inflicted injuries, suicide, insanity, immorality of the proposer, or his committing any breach of law or being under the influence of drugs, liquor etc.

(2) Where the proposer is engaged in aviation or aeronautics other than as a passenger on a licensed commercial aircraft operating on a scheduled route.

(3) The proposer suffers injuries from war (whether war is declared or not), invasion, hunting, mountaineering, motor racing of any kind, other dangerous hobbies or activities, or having been on duty in military, para-military, security or police organization.