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

1. 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.
2. 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.

Critical Illness (CI) Benefit

The critical illness 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:

1. any self-inflicted injury, provoked assault or attempt at suicide, whether 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. infection from any Human Immunodeficiency Virus (HIV), Acquired Immunodeficiency Syndrome (AIDS) or any AIDS-related condition;
4. donation of any of the life insured's organs; or
5. a pre-existing condition. by any pre-existing condition.

"Pre-existing condition" means any illness or condition which existed before the policy issue date or the most recent date of reinstatement of this policy, whichever is the latest, which would have affected our decision to accept your application and for which:

1. presented signs or symptoms which you or the life insured was aware of or should have been aware of, and where the life insured should have sought medical advice or treatment;
2. treatment, test or investigation was recommended by or received from a medical examiner; or
3. the life insured has arranged or received medical consultation, test or investigation.

The following critical illness (early, intermediate, advanced stage) will not be covered if:

1. Major Cancer is diagnosed;
2. Heart Attack of Specified Severity is diagnosed;

within 90 days from the date of issue or the date of most recent reinstatement of this supplementary benefit, whichever is later.

Accidental Hospitalisation Benefit

The accidental hospitalisation benefit will not be payable, if the claim arises directly or indirectly, wholly or partly by any of the following:

1. any self-inflicted injury, provoked assault or attempt at suicide, whether 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. confinement within hospital solely for rehabilitative therapies;
4. donation of any of the life insured's organs;
5. a pre-existing condition;
6. overseas medical treatment;
7. pregnancy or complications from pregnancy, childbirth, abortion, miscarriage, prenatal or postnatal care, birth control, sterilisation and treatment or tests pertaining to fertility;
8. psychological disorders, personality disorders, mental conditions or behavioural disorders, including any addiction or dependence arising from these disorders such as gambling or gaming addiction;
9. elective cosmetic or plastic surgery for purposes of beautification except constructive surgery to treat functional defect due to Injury sustained;
10. medical or surgical procedures which are experimental in nature or not generally accepted as standard medical treatment by the medical profession;
11. during war or any act related to it, or service in either the armed forces or Civil Defence Force supporting any country at war;
12. during riot, insurrection, civil commotion, strikes, or terrorist activities except as a victim; or
13. 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.

Accidental Death Benefit / Accidental TPD Benefit

The benefit will not be payable, if the claim arises directly or indirectly, wholly or partly by any of the following:

1. self-inflicted injuries or suicide, while sane or insane;
2. bodily infirmity, or mental or functional disorder, or 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;
3. the taking of poison, voluntarily or involuntarily;
4. any injury sustained:
   1. during war or any act related to it, or service in either the armed forces or Civil Defence Force supporting any country at war;
   2. during riot, insurrection, civil commotion, strikes, or terrorist activities except as a victim;
   3. as a result of participation in any aerial activity including parachuting and sky diving;
   4. as a result of travel in 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;
   5. as a result of committing, attempting or provoking an assault or crime or any violation of the law by the life insured;
   6. while under the influence of alcohol or drugs;
   7. as a result of racing of any kind other than on foot; or
   8. as a result of participation in any underwater activity.
5. pre-existing condition (not applicable for accidental death benefit).

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