CREDIT SHIELD PREMIER

Death benefit will not be payable due to the following conditions:-

1. From suicide within twelve (12) months from the Insured Card Member’s Effective Date of Coverage into the Credit Shield Premier Insurance.
2. Due to any illness or injury for which the Insured Card Member has taken any treatment or advice within twelve (12) months prior to the Effective Date of Coverage into the Credit Shield Premier Insurance.
3. Due to any illness occurring within thirty (30) days from the Effective Date of Coverage of the Insured Card Member into the Credit Shield Premier Insurance.

Temporary Total Disability and Permanent Total Disability benefit will not be payable due to the following conditions:-

1. Due to any illness or injury for which the Insured Card Member has taken any treatment or advice within twelve (12) months prior to the Effective Date of Coverage into the Credit Shield Premier Insurance.
2. Due to any illness occurring within thirty (30) days from the Effective Date of Coverage of the Insured Card Member into the Credit Shield Premier Insurance.
3. Occasioned or contributed to by war, or hostilities (whether war be declared or not), or due to intentional self injury.
4. Sustained whilst the Insured Card Member is under the influence of intoxicants, drugs or is suffering from insanity.
5. Sustained by the Insured Card Member whilst engaged in flying for the purpose of any trade or technical operation or as a member of an air-crew or in any other aerial activities except whilst travelling as a passenger in an aircraft operating on a scheduled service.
6. Occasioned or contributed to by HIV infection, AIDS related conditions.
7. Pregnancy or any related complications arising from it.
8. Resulting while sane or insane from attempted suicide.

Critical Illness benefit will not be payable due to the following conditions:-

1. Diagnosed within thirty (30) days of the Insured Card Member's Effective Date of Coverage into the Credit Shield Premier Insurance, with the exception of the following, which shall be subject to a waiting period of sixty (60) days:-
   1. Cancer
   2. Heart Attack
   3. Other Serious Coronary Artery Disease
   4. Coronary Artery By-Pass Surgery
2. Disease(s) resulting from Acquired Immuno Deficiency Syndrome (AIDS), AIDS-related complex or infection by Human Immuno Deficiency Virus (HIV) unless the condition or disease or infection arose as a result of blood transfusion or occupationally acquired in accordance with Critical Illness definitions of this Policy.

3. Pre-existing Illness which existed within twelve (12) months before the Effective Date of Coverage or Date of Reinstatement, where Pre-existing Illness shall mean disabilities that the Insured Card Member has reasonable knowledge of. An Insured Card Member may be considered to have reasonable knowledge of a pre-existing condition where the condition is one for which:-

   1. The Insured Card Member had received or is receiving treatment;
   2. Medical advice, diagnosis, care or treatment has been recommended;
   3. Clear and distinct symptoms are or were evident;
   4. Its existence would have been apparent to a reasonable person in the circumstances.

   within the period of twelve (12) months before the Effective Date of Coverage or Date of Reinstatement; or,

4. Any self-inflicted injuries while sane or insane, whether or not Critical Illness was caused directly or indirectly as a result of the said injury.