(Applicable to SmartMedic Million, SmartMedic Million Extender, and SmartMedic Million Plus) The Company will not pay any benet under these riders as a result of, including any of the following whether directly or indirectly:

1. Pre-existing Illness;

2. Specied Illnesses occurring within the rst 120 days from the Risk Effective Dates of SmartMedic Million, SmartMedic Million Extender and/or SmartMedic Million Plus
respectively;

3. Any medical or physical conditions arising within the rst 30 days from the Risk Effective Dates of SmartMedic Million, SmartMedic Million Extender and/or SmartMedic Million
Plus respectively except for Injury;

4. Plastic/cosmetic Surgery, circumcision, eye examination, glasses and refraction or surgical correction of nearsightedness (Radial Keratotomy or Lasik) and the use or
acquisition external prosthetic appliances or devices such as articial limbs, hearing aids, implanted pacemakers and prescriptions thereof;

5. Dental conditions including dental treatment or oral Surgery, except as necessitated by Injury to sound natural teeth occurring in any Policy Year and performed by Dentist;

6. Private nursing, rest cures or sanitaria care, illegal drugs, intoxication, sterilisation, venereal Disease and its sequelae, AIDS (Acquired Immune Deciency Syndrome) or ARC
(AIDS Related Complex) and HIV related Diseases, and any communicable Diseases required quarantine by law;

7. Any treatment or surgical operation for Congenital Conditions or deformities including hereditary conditions;

8. Pregnancy, childbirth (including surgical delivery), miscarriage, abortion and prenatal or postnatal care and surgical, mechanical or chemical contraceptive methods of birth
control or treatment pertaining to infertility. Erectile dysfunction and tests or treatment related to impotence or sterilisation;

9. Hospitalisation primarily for investigatory purposes, diagnosis, x-ray examination, general physical or medical examinations, not incidental to treatment or diagnosis of a covered Disability or any treatment which is not Medically Necessary and any preventive treatments, preventive medicines or examinations carried out by a Physician, and treatments specifically for weight reduction or gain;

10. Suicide, attempted suicide or intentionally self-inicted Injury, while sane or insane;

11. War or any act of war, declared or undeclared, criminal or terrorist activities, active duty in any armed forces, direct participation in strikes, riots and civil commotion or insurrection;

12. Ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from process of nuclear ssion or from any nuclear weapons material;

13. Expenses incurred for donation of any body organ by the life assured, and the cost of acquisition of any body organ donated to the life assured including all costs incurred by
the donor during organ transplant and its complications;

14. Investigation and treatment of sleep and snoring disorders, hormone replacement therapy, and alternative therapy such as treatment, medical service or supplies, including but not limited to chiropractic services, acupuncture, acupressure, reflexology, bone setting, herbalist treatment, massage or aroma therapy or other alternative treatment;

15. Care or treatment for which payment is not required or to the extent which is payable by any other insurance or indemnity covering the life assured and disabilities arising out of
duties of employment or profession that is covered under a Workman’s Compensation Insurance Contract;

16. Psychotic, mental or nervous disorders (including any neuroses and their physiological or psychosomatic manifestations);

17. Costs/expenses of services of a non-medical nature, such as television, telephones, telex services, radios or similar facilities, admission kit/pack and other ineligible
non-medical items;

18. Sickness or Injury arising from racing of any kind (except for foot racing), hazardous sports such as but not limited to sky-diving, water skiing, underwater activities requiring
breathing apparatus, winter sports, professional sports and illegal activities;

19. Private fiying other than as a fare-paying passenger in any commercial scheduled airlines licensed to carry passengers over established routes;

20. Expenses incurred for sex change;

21. Any Outpatient treatment not related to Inpatient treatment, except as provided under Insured Benefits; or

22. Charges which are not Reasonable and Customary Charges, or any Surgery or treatment which is not Medically Necessary, or charges in excess of Reasonable and Customary
Charges, or charges which are incurred for hospitalisation, pre-hospitalisation and/or post-hospitalisation after the Expiry Date.