Entry Age (age next birthday)

Rider Term/Premium Paying Term
Up to age next birthday 70 or end of basic policy term, whichever is earlier.

1. For premium paying rider (attachable to traditional life insurance policies), you can pay your premiums in the following frequencies: yearly, half-yearly, quarterly or monthly.
2. Premiums for the premium paying rider are guaranteed throughout the premium paying term.
3. The rider premiums that you have to pay vary depending on the coverage chosen, age at entry, rider term etc.

The benefit shall not be payable if the insured events occur directly or indirectly, wholly or partly, by any of the following occurrences:

1. Pre-existing illnesses before the rider Issue Date or at the time of any reinstatement date of the rider;
2. For any covered benefits of which Life Assured should have been aware or of which symptoms were evident or for which she received medical advice or treatment prior to the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
3. Acquired Immunodeficiency Syndrome (AIDS), AIDS related complex, infection by Human Immunodeficiency Virus (HIV).
4. Below are a few of the exclusion clauses. Please refer to your policy contract for the complete list of exclusion clauses:
   1. Female Cancer
      • Cancer symptoms arising within thirty (30) days from the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
   2. Carcinoma In-Situ (Breast(s) or Cervix Uteri)
      • Carcinoma In-Situ symptoms arising within ninety (90) days from the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
   3. Systemic Lupus Erythematosus (SLE) with Lupus Nephritis
      • SLE with Lupus Nephritis symptoms arising within thirty (30) days from the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
   4. Facial Reconstructive Surgery due to Accident
      • Facial disfigurement as a result of an accident occuring before the date of commencement of the rider or before the date of any reinstatement, whichever is later.
      • Any facial surgery performed for purely cosmetic and aesthetic reasons.
   5. Skin Grafting due to Skin Cancer or Accidental Burning
      • Skin grafting due to removal of Malignant Skin Cancer within the waiting period of thirty (30) days in respect of this covered benefit.
   6. Reconstructive Surgery for Breast(s) due to Accident or Breast(s) Cancer(s)
      • Reconstructive surgery for breast(s) as a result of accident or Breast(s) Cancer(s) or Breast(s) Surgery occurring before the date of commencement of the rider or before the date of any reinstatement, whichever is later.
      • Cosmetic breast surgery not resulting from mastectomy or an accident.
   7. Hip or Femur Fractures due to Osteoporosis
      • Hip or Femur Fractures due to Osteoporosis symptoms occurs within thirty (30) days from the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
   8. Joint Replacement Surgery for Arthritis
      • Joint Replacement Surgery for Arthritis occurs within ninety (90) days from the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
      • Surgery due to trauma or accident resulting in joint fractures necessitating joint replacement surgery.
   9. Coverage for Pregnancy Complications
      • Complication of Pregnancy occurs within twelve (12) months from the date of commencement of the rider or any reinstatement date of rider, whichever is later.
   10. Congenital Anomalies
       • The child is delivered within twelve (12) months from the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
       • Childbirth results from fertility treatment, including in-vitro fertilisations.
   11. Neonatal Death
       • The child is delivered within twelve (12) months from the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
       • Death of the child occurs after thirty (30) days from the delivery date.
   12. Death due to Child Birth
       • The child is delivered within twelve (12) months from the date of commencement of the rider or any reinstatement date of the rider, whichever is later.
       • Death not directly attributable to complications of childbirth.
       • Death occurring during the first one hundred and sixty-eight (168) days of pregnancy or after thirty (30) days from delivery date.

Note: The above list is not exhaustive. Please refer to the supplementary contract for full details of the exclusions.