..:: Personal Accident Insurance ::..

PERSONAL ACCIDENT INSURANCE

OVERVIEW
INSURANCE COVERAGE
EXCLUSION
PRODUCT DOCUMENT
CLAIMS GUIDELINE
OTHER PRODUCTS

product overview

Eligibility:

Age: From 15 days old to 80 years old (calculated according to the last birthday) and Person over 70 years old only is covered provided that he/she has been insured with the Company for at least 2 consecutive years.
Not suffer from mental illness, down syndrome, or leprosy;
Not have permanent disablement rating or loss of work ability 50% or more;
Not be under Inpatient treatment for accident or disease.

Territory:
Vietnam, Asean, Asia, Worldwide depend on Insured person's selection.
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Main definitions
(*) Accident:
Means any sudden or unforeseeable event, caused by an external, violent, and visible means during the Period of Insurance, directly resulting in the insured’s Injury and occurring beyond the insured’s control.
Case of suffocation as a result of inhalation of smoke or toxic fumes or gases and drowning shall be deemed an Accident under this Policy, provided that such Accident is not caused by the insured’s intentional actions.

(**) Injury:

Means any injury sustained during the Period of Insurance solely resulted from an Accident other than a Sickness or health impairment or neurological deterioration or degeneration over time.

INSURANCE COVERAGE

main coverage

1. Death & Permanent Disablement due to Accident

- Death & Total Permanent Disablement due to an Accident: 100% of the Sum Insured.
- Partial Permanent Disablement: A percentage of the Sum Insured under Appendix I – Table of Compensation.

2. Allowance during injury treatment

3. Medical Expenses due to an Accident

extended coverage

EXCLUSION

General exclusions
* Acts of God such as earthquakes, volcanic activities, tsunamis and radioactive contamination;
* War, civil war, strike, terrorism, riot, civil commotion, rebellion, civil activities,...
* Participation in air transport activities (other than as a fare-paying passenger) or participation in military maneuvers or training, or combats of armed forces;
* Participation in training or competing in professional sports;
* The insured’s participation in cave exploration, mountaineering, rock climbing,...
* Any self-inflicted Injury or Sickness, suicide or attempted suicide or the insured’s intentional exposure to danger (except for saving lives);
* Intentional acts of the insured or the beneficiary;
* Any Injury caused by food and drink poisoning;
* The insured’s violation of applicable laws, violation of regulations on labor safety or violation of traffic laws;
* Other Other exclusions in accordance with the Policy Wording.

INSURANCE PREMIUM

Insurance premiums are determined based on risk assessment and specific insurance pricing principles of the product. For detailed advice and appropriate quotes, please contact Tokio Marine Insurance Vietnam Co. directly.