on AIA’s premium rates at the time of the reinstatement.
5. Exclusions – when AIA won’t pay a benefit
AIA will not pay any benefit under this appendix where the life assured dies or becomes terminally ill as a direct or indirect result of an intentional self-inflicted act (whether sane or insane) within 13 months of the risk commencement date. This exclusion applies to any subsequent benefit increase made by the policy owner .
AIA will not pay any benefit if the life assured participates in criminal activity, or dies when under the influence of alcohol or drugs except where the drugs were prescribed by and were being used in accordance with the directions of a registered medical practitioner.
AIA will not pay any benefit if the life assured was
sinvolved in, or was in a vehicle, which is involved in any form of a race. AIA will also not pay the benefit if the life assured was flying in any aerial device other than as a fare-paying passenger.
6. Key Terms
accidental injury
Bodily injury caused solely, suddenly and directly by violent, accidental, external and visible means.
1102 AL-AD version 2 Effective 23 July 2021
Page 2 of 2
Powered by FlippingBook