This insurance policy 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, whether sane or insane, within 1 year from the policy issue date, from the date of the most recent reinstatement of the policy, or from the date of most recent premium top-up, we will not pay the death benefit and will refund all premiums paid without interest, less any policy debt, medical or other expenses we have had to pay in connection with this policy and this policy ends.

Terminal Illness (TI) Benefit

The terminal illness benefit shall not be payable if terminal illness is caused by the presence of Human Immunodeficiency Virus (HIV) infection.

Waiver of premium on Total and Permanent Disability (TPD) Benefit (not applicable to Single Premium policies)

The waiver of premium on TPD benefit will not be payable if the disability is caused by any of the following:
  1. any self-inflicted injury or attempted suicide, while sane or insane;
  2. 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;
  3. war or any act incident to war, or service in the armed forces or in a civil defense force supporting any country at war except for peacetime national service duties;
  4. riot, insurrection, civil commotion, strikes or terrorist activities, except as a victim;
  5. any pre-existing condition; or
  6. injuries sustained while travelling in any aerial device or conveyance, except:
    1. as a fare-paying passenger or a crew member including a pilot on an aircraft licensed for passenger service and operated by a regular airline on a scheduled route, or
    2. operated by the Republic of Singapore Air Force.
"War" means any war, declared or not, or any conflict between the Armed Forces of countries, international organizations or combinations of the above.

"Armed Forces" means the military, naval and air forces of any country or international organizations.

"Pre-existing condition" means (a) the diagnosis of any condition listed in Table A; or (b) the occurrence of any of the following events in relation to any condition listed in Table A, before (1) the policy issue date or (2) the most recent reinstatement date of this policy, whichever is the latest:
  1. such condition has presented sign or symptom which you or the life insured was aware of or should have been aware of, and should have sought medical advice or treatment;
  2. treatment, test or investigation was recommended by or received from a medical examiner for such condition; or
  3. the life insured has arranged or received medical consultation, test or investigation for such condition.
Table A - List of Conditions
1 AIDS/HIV infection 11 Motor neuron disease
2 Aplastic anaemia, Thalassaemia major or blood disorders 12 Multiple sclerosis
3 Auto-immune diseases 13 Muscular dystrophy
4 Cancer 14 Paralysis (Hemiplegia/Paraplegia/Quadriplegia)
5 Dementia/Alzheimer's disease 15 Parkinson disease
6
  1. Diabetes with complications;
  2. Diabetes with Hypertension;
  3. Diabetes with Hyperlipidaemia;
  4. Diabetes with Hypertension and Hyperlipidaemia; or
  5. Hypertension with Hyperlipidaemia,

in an individual whose subsequent claim is due to stroke, heart attack, kidney damage, diabetic neuropathy, or diabetic retinopathy

 16 Psychiatric or mental illness
7 Illnesses/conditions which led to a joint/limb/spinal/eye/mental condition 17 Pulmonary hypertension
8 Ischaemic heart disease/Coronary heart disease, heart valves disorders or arrhythmia (irregular heartbeats) 18 Renal failure or renal dialysis
9 Liver disorders, liver cirrhosis, hepatic encephalopathy or liver failure 19 Rheumatoid arthritis
10 Lung disease 20 Stroke/Cerebrovascular disorders, tumour of the brain or Arteriovenous Malformation

Retrenchment payout benefit

The retrenchment benefit will not be payable if:

  1. the policy owner or the life insured is, before the policy issue date, aware of the retrenchment;
  2. the life insured is self-employed, or is an independent contractor or sole proprietor at the date of retrenchment;
  3. the employer is the life insured's spouse, or relative of the life insured;
  4. the life insured, relative of the life insured, (i) hold a substantial interest in; or (ii) are in a position to exercise control over the appointment and termination of employees in the company, corporation, limited liability partnership, society, association or partnership (or such other similar body whether incorporated or unincorporated) which employs the life insured;
  5. the life insured suffers from retrenchment from a full-time employment which the life insured has not worked for at least 6 consecutive months immediately prior to the retrenchment;
  6. the retrenchment arises out of the life insured’s:
    1. retirement;
    2. resignation;
    3. termination or suspension due to wilful or deliberate misconduct or unlawful behaviour;
    4. natural expiry of the employment contract;
    5. leave of absence whether paid or unpaid;
    6. military discharge; or
    7. any voluntary forfeiture of income by the life insured; or
  7. it is during the premium freeze period.
"Relative" means parent, sibling, uncle, aunt, nephew, niece, grandparent, child and grandchild.

"Substantial interest" means owning 5% or more of the equity interest in a body corporate.

You will find the terms, conditions and exclusions in the policy contract.