• 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. 

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.