AIA A-Life Protect Term Life Insurance Yearly Plans Malaysia

Presumptive Disability

“Presumptive Disability” means the occurrence of any of the following:

• Total and irrecoverable loss of sight of BOTH eyes or
• Severance of TWO (2) limbs at or above wrist or ankle or
• Total and irrecoverable loss of sight of ONE (1) eye and loss by severance of ONE (1) limb at or above the wrist or ankle.

Total and Permanent Disability

“Total and Permanent Disability” or “Disability” means:

• Complete and continuous inability of the Insured due to injury or sickness, and
• Is unable to ever again perform or engage in any gainful work, occupation or business, for which
• He or she is reasonably qualified or fitted by knowledge, training or experience.

Exclusions

These disability coverage excludes:

• • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
  • Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order
  • Entering, exiting, operating, servicing, or being transported by any aerial device or conveyance except when the Insured is a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route; or

Any congenital defect which has manifested or was diagnosed before the Insured attains seventeen (17) years of age.