Age Limits: 18 years to 65 years
No waiting period for accidents
3 months waiting period for illness;
9 months waiting period for maternity related cases
12 months waiting period for pre-existing health conditions
If the ‘term’ the insured person is conclusively diagnosed as having a terminal illness which, in our
opinion, will result in death within twelve (12) months regardless of any treatment which may be
undertaken, the policy will pay the full death benefit.
-Policy will not pay a claim if death or disability occurs during the specified waiting periods .
-If death or disability is a direct or indirect result of any injury or illness which is intentionally self inflicted or caused by suicide or a suicide attempt (whether the insured person is sane or insane) .
-Policy will not pay if in our opinion death or disability is a direct or indirect result of:
- the insured person engaging in conduct which constitutes a criminal offense; or
the insured person is committing any materially unlawful act, or being involved in any riot,
insurrection, war (whether declared or not declared), or any act incidental to, or arising from such
- the consumption of alcohol or the taking of poisons or drugs or the application of medications
except where taken as directed by a Registered Medical Practitioner; or
- a critical health condition which the insured person knew or suspected to exist and which has was not disclosed in writing at the time the policy was applied for