28/10/2021
[Insurance Info Station] Is suicidal covered by insurance?
Yes, if only the exclusion period ends.
If the Life Assured commits su***de within twelve (12) months from the Issue Date, Alteration Effective Date or the Reinstatement Date, whichever is the latest, this policy shall become void whether he/she is sane or insane.
The death benefit shall not be payable and the Company shall only refund the unallocated premiums, the value of units that have been allocated (if any) at unit price at the next valuation date, any insurance charge, policy fee, and any applicable tax that have been deducted less any medical fee incurred and benefit paid.
In layman term, while the beneficiaries are not entitled to death benefits if a su***de occurs during a policy’s suicidal clause, they may receive a refund of the premiums that were paid into the policy before the death.
However, after the exclusion period ends, the policy's beneficiaries can receive a death benefit if the covered person dies by su***de after that date. The reason behind of having such clause is insurance companies want to prevent people from having a financial incentive to take their own lives. That’s why often life insurance policies include a su***de clause, also known as a su***de provision.
自杀死亡的话保险可以赔吗？
有的，只要自杀条款期结束。
如果受保人自签发日期、变更生效日期或恢复日期（以较晚者为准）起十二 (12) 个月内自杀，则无论他/她是正常还是精神错乱，本保单均将失效。
死亡抚恤金不予支付，本公司仅退还未分配的保费、在下一个估值日以单价分配的单位价值（如有）、任何保险费用、保单费用和任何适用税金已扣除已产生的任何医疗费用和已支付的福利。
通俗地说，如果在保单的自杀条款12个月期内发生自杀，受益人无权获得死亡抚恤金，但他们可能会收到死亡前支付给保单的保费的退款。
但是，在自杀条款结束后，如果受保人在该日期之后自杀身亡，则该保单的受益人可以获得死亡抚恤金。保险公司之所以有这样的条款，是因为他们想要防止人们因金钱上的诱因来结束自己的生命。这就是为什么人寿保险单通常包含自杀条款。
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