• Suicide, self-inflicted injury, whether sane or insane, within 2 (two) years from the Effective Date or Commencement Date, whichever is later; or
• A criminal offence committed or attempted to commit by You, or the Insured, or the Beneficiary; or
• Human immunodeficiency Virus(HIV) and/or any HIV-related illnesses including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutations, derivation or variations thereof; or
• Drugs or stimulators or alcohol abuse, drunk driving, or their complications as determined by the law in force.

EXCLUSIONS FOR RECOVERY BENEFIT FOR CRITICAL ILLNESS

• any illness or surgery other than diagnosis of or surgery for a Critical Illness Event as defined in this provision;
• the signs or symptoms of the Critical Illness Event defined under Group 1 Illness/Surgery is manifested prior to or within 120 (one-hundred and twenty) days from the​ Effective Date or Commencement Date of this Rider, whichever is later;
• the signs or symptoms of the Critical Illness Event defined under Group 2 Illness/Surgery manifested prior to or within 90 (ninety) from the Effective Date or Commencement Date of this Rider, whichever is later;
• the Critical Illness Event arises directly or indirectly from a Pre-Existing Condition as defined, which existed prior to the Effective Date or Commencement Date of this​ Rider, whichever is later;
• the Critical Illness Event, where in Our opinion, was caused directly or indirectly by the presence of Acquired Immune Deficiency Syndrome (AIDS) or Human Immunodeficiency Virus (HIV) and any complications thereof. We reserve the right to require the Insured to undergo a blood test for HIV as a condition precedent to acceptance of any claim. The exception is when HIV Infection is Due to Blood Transfusion as defined in this Rider. For the purpose of this Rider,

1. the definition of AIDS shall be that used by the World Health Organization in 1987, or any subsequent revision by the World Health Organization of that definition.
2. infection shall be deemed to have occurred where blood or other relevant test(s) indicate in Our opinion either the presence of any HIV or Antibodies to such a Virus.

• the Critical Illness Event is within the same group of the previous Critical Illness Event claim;
• any Critical Illness Event diagnosed to be due, directly or indirectly, to a congenital defect or disease, which was manifested or was diagnosed before the Insured attains 17 (seventeen) years of age;
• any of the Critical Illness Event is caused by a self-inflicted injury;
• any Critical Illness Event resulting directly from alcohol or drug abuse; or
• any Critical Illness Event resulting from a physical or mental condition which existed before the Effective Date or Commencement Date of this Rider (whichever is later) and which was not disclosed in the application for insurance or health statement.
• donation of any of the Insured’s organs

This above list is for reference only. Please refer to your Policy Contract for the complete list and details of exclusions.

If the claimant wishes to make a claim, they must login to AIA+ and provide evidence within 90 days from the occurrence of the covered event. For a death claim, please contact our Client Care at +855 86 999 242, our AIA Cambodia Telegram Bot, or seek support from the AIA Life Planners of the policy's owner.