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Insured Value

The insured value can be determined by an agreed upon amount between the insurer and the insured.

Premium Rating

Premium is calculated based on insured value and the rating varies according to the type of vessels, use of vessel and the vessel navigation areas.

Steel Hull – Premium Rating (All Risk)
No.	Type of Vessels		Premium Rating
1	Inland	General Cargo	2.0%
		Dangerous Cargo	2.6%
2	Costal	General Cargo	2.4%
		Dangerous Cargo	3.0%

Steel Hull – Premium Rating (Total loss)
No.	Type of Vessels		Premium Rating
1	Inland	General Cargo	1.0%
		Dangerous Cargo	1.2%
2	Costal	General Cargo	1.4%
		Dangerous Cargo	1.6%

Wooden Hull – Premium Rating Total Loss
No.	Type of Vessels		Premium Rating
1	Coastal	General Cargo	2.0%
		Fishing	2.0%

Marine Hull Premium Rate for Short Period

No	Short Period	Rating
1)	For Voyage under 15 days	1 month of one-year premium
2)	For one month	2 months of one-year premium
3)	For two months	3 months of one-year premium
4)	For three months	4 months of one-year premium
5)	For four months	5 months of one-year premium
6)	For five months	6 months of one-year premium
7)	For six months	7 months of one-year premium
8)	Over six months	One-year premium

Note: If more than (20) years over of vessel age should be charged 10% additional on your premium

Policy Term

• Voyage Policy (One trip – Under 15 days)
• Time Policy (From One Month to One Year)

Renewal Period	First Year	Second Year Onward
Health Bonus %	10%	5%

Table of Benefits (in MMK)	AYA HEALTH
Table of Benefits (in MMK)	PLUS	PRO	PRESTIGE	PRIME
Maximum Benefit PRIME Plan only : Additional Limit of up to 44,000,000 MMK, applies to Thailand Zone	11,000,000	11,000,000	11,000,000	11,000,000
Medical and Hospital Benefits	Benefits up to	Benefits up to	Benefits up to	Benefits up to
Ambulance Services	165,000	165,000	165,000	165,000
Hospitalization Costs Accommodation in a standard single-bedded room and meals: Medical Treatment and services ordered by a Physician, including: Surgeon’s and Anesthetist’s charges Physician, Consultant and Nursing charges Diagnostic Procedures (including CT, MRI and PET scans) Surgical Appliances and Prostheses Medicines, Drugs and Dressings Intensive Care Day-Care	Full Refund	Full Refund	Full Refund	Full Refund
Post-Hospitalization Treatment	Nil	Nil	Nil	Nil
Chronic Conditions
First Onset	11,000,000	11,000,000	11,000,000	11,000,000
Ongoing Management	5,500,000	5,500,000	5,500,000	5,500,000
Maternity Cover (10 Months Waiting Period) Pre-Natal Examinations by a Physician All costs of Normal Childbirth or C-Section (elective or non-elective) Post-Natal Examinations by a Physician	Nil	Nil	Nil	1,100,000
Thailand Zone
Hospitalization Costs	Nil	Nil	Nil	44,000,000
Transportation Costs				2,200,000
Transportation Costs for Treatment not available in the Geographic Area				5,500,000
Additional Deductible for Treatment outside the Geographic Area				55,000
Outpatient Benefits	Benefits up to	Benefits up to	Benefits up to	Benefits up to
Physicians fees, Prescription Drugs and Dressings Specialist and Consultant Fees Diagnostic tests, medical scanning and imagery services	220,000	440,000	660,000	660,000
Optical Care One annual Vision test Glasses Glaucoma Test for Participants over 45 years	Nil	Nil	Nil	220,000
Dental Care Benefits	Benefits up to	Benefits up to	Benefits up to	Benefits up to
Dental Treatment Dental Surgery	Nil	Nil	Nil	220,000
Personal Accident Benefits	Benefits up to	Benefits up to	Benefits up to	Benefits up to
Accidental Death Loss of Sight or Loss of Limb Permanent Total Disablement	11,000,000	11,000,000	11,000,000	11,000,000

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