What are the exclusions under the plan?

If the Life Assured, whether sane or insane, commits suicide within twelve months from the date of inception of the policy, we will pay 80% of the total premiums received (which is single premium excluding applicable taxes and extra premium, if any) till the date of death or the surrender value available as on death whichever is higher, will be paid by us excluding GST to the nominee and this Policy will terminate.