Manulife First 

The Company shall not reimburse any covered benefit(s) resulted from either directly or indirectly, wholly or partly from any of below item(s). If the claim denial leads to the termination of this Policy, the liability of the Company shall be limited only to the return of total Premium paid from Policy Issue Date or Policy Reinstatement Date, whichever is later, less the medical examination expense (if any) and/or expense reasonably occurred for the underwriting process (if any).

Exclusions for Non-accidental Death Benefit

a) Suicide or attempted suicide, whether the Life Insured is sane or insane, within two (2) years from the Policy Issue Date or the effective date of its last reinstatement, whichever is later (this exclusion is not applicable after two (2) years period per stated above); or

b)  A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries; or

c) Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).

Exclusions for Non-accidental Total and Permanent Disability Benefit

a) Attempted suicide or any self-inflicted injury, whether the Life Insured is sane or insane; or

b) A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries; or

c) Any unprescribed drug, alcoholic substance, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled; or

d) War or any act of war, whether declared or not, riot, insurrection, civil commotion, strikes terrorist activities, whether or not the Life Insured was participating therein; or

e) Acquired Immune Deficiency Syndrome (AIDS) or any complications associated with infection by the Human Immunodeficiency Virus (HIV).

Exclusions for Accidental Death or Total and Permanent Disability Benefit

a) Suicide or attempted suicide, whether the Life Insured is sane or insane; or

b) Willful exposure to danger or attempted self-destruction or self-inflicted injuries, whether the Life Insured is sane or insane; or

c) Assault or murder; or

d) A committed criminal offense, or an attempted commitment of a criminal offense by the Policyowner, Life Insured, or Beneficiaries; or

e) Any unprescribed drug, alcoholic substance, poison, gas or fumes, voluntarily taken, administered, absorbed or inhaled; or

f)  War or any act of war, whether declared or not, riot, insurrection, civil commotion, strikes terrorist activities, whether or not the Life Insured was participating therein; or

g) Any loss sustained by the Life Insured while resisting arrest by a law enforcement officer or violation of alcohol intake and/or speed limits as prescribed by the applicable traffic law at the time of accident; or

h) Bodily or mental infirmity or illness or disease of any kind or any infection, other than infections occurring simultaneously with and in consequence of an accidental wound; or

i) Travelling or flight in any vehicle or device for aerial navigation, except as a passenger on an aircraft operated by a regular airline; or

j) Engaging in or taking part in driving or riding in any kind of race, underwater activities, or other hazardous pursuit such as mountaineering or potholing or parachuting or bungee jumping.