You may buy The One if you are 18 to 70 years old, and agree with the 3 insurability questions in the application form.

For Death Benefit, you cannot claim if death is due to attempted suicide or deliberate self-harm of the insured while sane within 2 years from the policy’s effective date. In this case, we will return all paid premiums to the beneficiaries.

For Accidental Death Benefit, we will not pay any benefit if the claim arises from you committing any illegal or unlawful act (including terrorist act), or failure to act, or if the claim arises from war or any act of war (whether declared or not), or any civil or military uprising.

For Critical Illness Benefit, we do not pay any major critical illness benefit if signs of a condition become apparent to the insured person within the no-claim period even if the condition is diagnosed on or after this period by a medical practitioner. Also, we do not pay any critical illness benefit if the claim arises from a pre-existing condition. Claims due to drug or alcohol abuse, HIV, psychiatric-related causes, suicide or self-inflicted acts, unlawful act and war will also be excluded.

Please check your for the full details.