This insurance plan is issued and underwritten by Manulife (Singapore) Pte. Ltd. ("Manulife") (Reg. No.198002116D) and distributed by DBS Bank Ltd ("DBS"). It is not an obligation of, deposit in or guaranteed by DBS.
Death Benefit
- If the life insured dies from suicide within 1 year from the policy issue date, we will not pay the death benefit and will refund all premiums paid without interest and less any medical or other expenses we have had to pay in connection with this policy and this policy ends.
- If the life insured dies from suicide within 1 year from the effective date of the most recent reinstatement of the policy, we will not pay the death benefit and will refund all premiums paid from the start date of the most recent reinstatement without interest and less any medical or other expenses we have had to pay in connection with this policy and this policy ends.
The CI benefit will not be payable if critical illness of the life insured is caused directly or indirectly, wholly or partly by any of the following:
- any self-inflicted injury, provoked assault or attempt at suicide, whether sane or insane;
- the life insured being under the influence of any narcotic, alcohol, gas or fumes, voluntarily taken, administered, absorbed or inhaled or drugs not prescribed by a medical examiner;
- infection from any Human Immunodeficiency Virus (HIV), Acquired Immunodeficiency Syndrome (AIDS) or any AIDS-related condition unless the infection arose in accordance with the definition of HIV due to Blood Transfusion and Occupational Acquired HIV;
- donation of any of the life insured’s organs; or
- a pre-existing condition.
The recovery care benefit will not be payable if the claim arises directly or indirectly, wholly or partly from any of the following:
- any self-inflicted injury, provoked assault or attempt at suicide, whether sane or insane;
- the life insured being under the influence of any narcotic, alcohol, gas or fumes, voluntarily taken, administered, absorbed or inhaled or drugs not prescribed by a medical examiner;
- infection from any Human Immunodeficiency Virus (HIV), Acquired Immunodeficiency Syndrome (AIDS) or any AIDS-related condition unless the infection arose in accordance with the definition of HIV due to Blood Transfusion and Occupational Acquired HIV;
- donation of any of the life insured’s organs;
- a pre-existing condition;
- overseas medical treatment;
- pregnancy or complications from pregnancy, childbirth, abortion, miscarriage, prenatal or postnatal care, birth control, sterilisation and treatment or tests pertaining to fertility;
- psychological disorders, personality disorders, mental conditions or behavioural disorders, including any addiction or dependence arising from these disorders such as gambling or gaming addiction;
- elective cosmetic or plastic surgery for purposes of beautification except constructive surgery to treat functional defect due to injury sustained;
- treatments for obesity, weight reduction or weight improvement;
- medical or surgical procedures which are experimental in nature or not generally accepted as standard medical treatment by the medical profession;
- sex-change operations;
- war or any act related to it, or service in the armed forces or in a Civil Defence Force supporting any country at war;
- riot, insurrection, civil commotion, strikes, or terrorist activities except as a victim; or
- injuries arising while engaging in hazardous sports such as speed racing (boat, horse or automobile), mountaineering or rock climbing necessitating the use of guides or ropes, skiing or any kind including jet-ski, skating sport, parachuting (unless trying to save human life), ballooning, hang gliding, bungee-jumping, and underwater activities involving the use of breathing apparatus.