| 1. Personal Accident
Insurance |
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This
Insurance covers loss arising from bodily injury due to causes
external to the Insured Person by accident giving rise to results
as follows : |
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1.1
Loss of Life |
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If
injury sustained by the Insured Person causes loss of life within
180 days from the date of accident or the injury sustained by
the Insured Person necessitates continues treatment in a hospital
as in-patient and loss of life occurs because of such injury,
the Company will pay compensation in accordance with the sum-insured
of Baht 1,000,000 |
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1.2
Dismemberment Loss of Sight, Hearing and Speech |
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If
injury sustained by the Insured Person causes total and permanent
loss as stated below within 180 days as from the date of accident,
the Company will pay compensation in accordance with the sum-insured
of Baht 1,000,000 as follows : |
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1.2.1 100% of the sum-insured
for both hands from the wrist joint or both feet from the ankle
joint or sight of both eyes
1.2.2 100% of the sum-insured for one hand from the wrist joint
and one foot from the ankle joint
1.2.3 100% of the sum-insured for one hand from the wrist joint
and sight of one eye
1.2.4 100% of the sum-insured for one foot from the ankle joint
and sight of one eye
1.2.5 50% of the sum-insured for one hand from the wrist joint
1.2.6 50% of the sum-insured for one foot from the ankle joint
1.2.7 50% of the sum-insured for sight of one eye
1.2.8 75% of the sum-insured for total and permanent loss of one
arm from the shoulder
1.2.9 65% of the sum-insured for total and permanent loss of one
arm from the elbow
1.2.10 75% of the sum-insured for total and permanent loss of
one leg from the hip
1.2.11 65% of the sum-insured for total and permanent loss of
one leg from the knee
1.2.12 50% of the sum-insured for total and permanent loss of
hearing or speech
1.2.13 15% of the sum-insured for total and permanent loss of
hearing in one ear
1.2.14 25% of the sum-insured for total and permanent loss of
a thumb (both joints)
1.2.15 10% of the sum-insured for total and permanent loss of
a thumb (one joint)
1.2.16 10% of the sum-insured for total and permanent loss of
an index finger (three joints)
1.2.17 8% of the sum-insured for total and permanent loss of an
index finger (two joints)
1.2.18 4% of the sum-insured for total and permanent loss of an
index finger (a forefinger)
1.2.19 5% of the sum-insured for total and permanent loss of a
finger (not less than two joints) other than a thumb or an index
finger
1.2.20 5% of the sum-insured for total and permanent loss of a
great toe
1.2.21 1% of the sum-insured for total and permanent loss of a
toe (not less than one joint) other than a great toe |
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Total
and permanent loss includes total and permanent loss of use. Loss
of sight of eye means complete blindness which is permanently
incurable. The company will pay in respect of this part that item
of loss with the greatest amount; one item only except in the
event of loss of fingers or toes under item1.2.14 to 1.2.21 of
more than one item and no claim for compensation can be made under
any item from 1.2.1 to 1.2.11 to the Company. The Company will
pay compensation in accordance with the actual loss under each
item combined. |
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1.3
Permanent Disability |
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If
injury sustained by the Insured Person causes total permanent
disability or partial permanent disability within 180 days and
the permanent disability has continued for a period of not less
than 12 months from the date of accident, the Company will pay
compensation as follows; |
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1.3.1 Total Permanent
Disability : In the event of total permanent disability, the Company
will pay compensation in accordance with the sum-insured of Baht
1,000,000
1.3.2 Partial Permanent Disability : In the event of partial permanent
disability which is not a loss for which compensation is payable
under Item 1.2 and is not a loss of sense of taste or smell, the
Company will pay compensation in accordance with the option of
the medical advisor of the Company but not exceeding 50% of the
sum-insured of Baht 1,000,000 |
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1.4
Aggregate Limit of Liability |
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The Company shall pay
compensation for loss under Insuring Agreement item1.1, 1.2 and
1.3 in total not exceeding the amount of Baht 1,000,000 |
| 2. Accidental Medical
Expenses |
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If
injury sustained by the Insured Person shall require treatment
by a legally licensed physician or surgeon or shall require treatment
in a hospital or the employment of a licensed nurse, the Company
will pay the expenses actually incurred by the Insured Person
within 52 weeks as from the date of accident for medical treatment,
hospital charges and nursing charges but not exceeding the amount
of Baht 100,000 |
| 3. Emergency Medical
Evacuation |
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This
Insurance covers medically necessary expenses and services of
air or surface transportation, medical care immediately before
and during transportation, communications and all usual ancillary
charges incurred in moving the Insured Person with a Serious Medical
Condition as defined to the nearest hospital within the Kingdom
of Thailand where appropriate medical care is available.
The Company and its authorised
representatives reserve the right to decide if the insured Person's
medical condition is sufficiently serious to warrant Emergency
Medical Evacuation. The Company and its authorised representatives
shall also decide the place to which the Insured Person shall
be evacuated and the means by which the evacuation should be carried
out, having regard to all the accessed facts and circumstances
of which the Company is aware at the relevant time.
The Company will pay for the
actual expenses and services mentioned above for Emergency Medical
Evacuation, but not exceeding the amount of Baht 100,000. |
| 4. Return of Mortal
Remains or Local Burial |
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This
Insurance covers the necessary expenses of Return of Mortal Remains
of the Insured Person from the place of death to the Home Country,
or the preparation and Local Burial of the Mortal Remains of the
Insured Person who accidentally dies during travel in the Kingdom
of Thailand.
The Company will pay for the
actual expenses and services mentioned above for Return of Mortal
Remains or Local burial of the Insured Person, but not exceeding
the amount of Baht 100,000. |
| 5. Personal Liability |
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This
Insurance covers any legal liability of the Insured Person who,
during travel in the Kingdom of Thailand, accidentally causes
death or bodily injury to any person and or loss of or damage
to property of others.
The Company will pay for all
costs of litigation obtained by any claimant against the Insured
Person with written consent of the Company, but not exceeding
the amount of Baht 100,000. |