4. What is the effect of a "suicide clause" in a life insurance policy? Other than on life insurance, what is the impact of this clause on medical/health insurance if the policyholder has tried to commit suicide, but only injured himself?

Under the "contestable period" clause, which is usually in force for one or two years, the insurance company can deny the claim where the insured person has committed suicide.

In the case of medical/health insurance, as discussed under the subject of the "exclusion" clause, suicide and self-inflicted injury are excluded from the coverage. Therefore, where the insured person has committed suicide or has injured himself in the course of attempting to commit suicide, a claim for insurance under the policy would not be accepted.