EXCLUSIONS
Payor Benefit
No premiums will be waived if the death or disability of the life assured results directly or indirectly from:
a. suicide or self-inflicted injuries while sane or insane.
b. pre-existing physical or mental defect or infirmity.
c. alcohol, narcotics or drugs unless taken as prescribed by a registered doctor.
d. the participation in any criminal offence.
e. travelling or flights in any vehicle or device for aerial navigation other than as a fare-paying passenger on a scheduled public air service.
f. war, hostilities (whether war be declared or not), rebellion, insurrection, riot, or civil commotion.
g. scuba diving or engaging in or taking part in any kind of race other than on foot.
h. engaging or being employed in any occupation, business or pursuit which in the opinion of the Company (whose decision shall be final) is more hazardous or involves greater risk to life or health than the occupation, business or pursuits specified in the proposal form or endorsement whichever is later unless prior permission is obtained from the Company. The Company shall be under no obligation to give such permission. If such permission is given, the Company may stipulate the payment of an additional premium either single or recurrent, in commensurate with the greater risk. In the event that prior permission was not sought, the Company reserves the right to invalidate the claim and/or reduce the Benefits specified in the Scale of Benefits.
Payor Benefit - Plus
No premiums will be waived if the death or disability of the life assured results directly or indirectly from:
a. attempted suicide or self-inflicted injuries while sane or insane.
b. pre-existing physical or mental defect or infirmity.
c. alcohol, narcotics or drugs unless taken as prescribed by a registered doctor.
d. the participation in any criminal offence.
e. travelling or flights In any vehicle or device for aerial navigation other than as a fare-paying passenger on a scheduled public air service.
f. war, hostilities (whether war be declared or not), rebellion, insurrection, riot, or civil commotion.
g. scuba diving or engaging in or taking part in any kind of race other than on foot.
h. engaging or being employed in any occupation, business or pursuit which in the opinion of the Company (whose decision shall be final) is more hazardous or involves greater risk to life or health than the occupation, business or pursuits specified in the proposal form or endorsement whichever is later unless prior permission is obtained from the Company. The Company shall be under no obligation to give such permission. If such permission is given, the Company may stipulate the payment of an additional premium either single or recurrent, in commensurate with the greater risk. In the event that prior permission was not sought, the Company reserves the right to invalidate the claim and/or reduce the Benefits specified in the Scale of Benefits.
No premiums will be waived in case of diagnosis of any of the covered major disease if:
a. The diagnosis of a major disease is made within 90 days from the effective date of the benefit or from the date of any reinstatement arising from causes other than an accident.
b. The major disease is diagnosed to be directly or indirectly caused by or resulted from:
- Attempted suicide or self-inflicted injuries while sane or insane; or
- Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or Infection by Human Immunodeficiency Virus (HIV) except by blood transfusion or occupationally acquired.
c. The major disease existed before the effective date of the benefit or the date of any reinstatement.
d. The major disease of Total and Permanent Disability is a direct or indirect result of
- war, hostilities (whether war is declared or not), rebellion, insurrection, riot or civil commotion; or
- alcohol, narcotics or drugs unless taken as prescribed by a registered doctor; or
- travelling or flights in any vehicle or device for aerial navigation other than as a fare-paying passenger or a scheduled public air service.
Payor Benefit - Super
No premiums will be waived if the death or disability of the life assured results directly or indirectly from:
a. suicide or self-inflicted Injuries while sane or insane.
b. pre-existing physical or mental defect or infirmity.
c. alcohol, narcotics or drugs unless taken as prescribed by a registered doctor.
d. the participation in any criminal offence.
e. travelling or flights in any vehicle or device for aerial navigation other than as a fare-paying passenger on a scheduled public air service.
f. war, hostilities (whether war be declared or not), rebellion, insurrection, riot, or civil commotion.
g. scuba diving or engaging in or taking part in any kind of race other than on foot.
h. engaging or being employed in any occupation, business or pursuit which in the opinion of the Company (whose decision shall be final) is more hazardous or involves greater risk to life or health than the occupation, business or pursuits specified in the proposal form or endorsement whichever is later unless prior permission is obtained from the Company. The Company shall be under no obligation to give such permission. If such permission is given, the Company may stipulate the payment of an additional premium either single or recurrent, in commensurate with the greater risk. In the event that prior permission was not sought, the Company reserves the right to invalidate the claim and/or reduce the Benefits specified in the Scale of Benefits.
No premiums will be waived in case of diagnosis of any of the covered major disease if:
a. The diagnosis of a major disease is made within 90 days from the effective date of the benefit or from the date of any reinstatement arising from causes other than an accident.
b. The major disease is diagnosed to be directly or indirectly caused by or resulted from:
- Attempted suicide or self-inflicted injuries while sane or insane; or
- Acquired Immune Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immunodeficiency Virus (HIV) except by blood transfusion or occupationally acquired.
c. The major disease existed before the effective date of the benefit or the date of any reinstatement.
d. The major disease of Total and Permanent Disability is a direct or indirect result of
- war, hostilities (whether war is declared or not), rebellion, insurrection, riot or civil commotion; or
- alcohol, narcotics or drugs unless taken as prescribed by a registered doctor; or
- travelling or flights in any vehicle or device for aerial navigation other than as a fare-paying passenger or a scheduled public air service.
No premiums will be waived in case of unemployment if:
a. the unemployment occurs within 90 days from the Date of Policy; or
b. the life assured is made redundant or being laid off from on occupation not eligible for receiving severance payment under the Hong Kong Employment Ordinance (Chapter 57) including, but not limited to:
- self employment; or
- employment provided by spouse; or
- employment as domestic servant in, or in connection with a private household, where the employer is the father, mother, grandfather, grandmother, son, daughter, grandson, granddaughter, brother, sister, half-brother, half-sister, stepfather, stepmother, stepson or stepdaugther of the employee; or
c. the life assured has been informed of the termination of employment to be effective at a specified time by written notice on or before the Date of Policy. |
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