Fire Insurance

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with

fire insurance

I want to calculate
how much for my coverage

I want to know more about
benefits and coverage

Fire Insurance

Protect properties and assets against unexpected losses due to fire and natural disasters

Benefits

Benefit Details

No Claim Bonus
No Claim Bonus of up to 25% of the total premium will be offered based on less premium amount

24-Hour Emergency Claim Service
Contact for services from our 24/7 support team in the event of any arising emergency and/or claim

Coverage

Fire/Accidental Fire
Coverage for total and partial loss or damage caused by fire and accidental fire.

Explosions Coverage
Coverage for total or partial loss and damage caused by domestic gas explosion.

Contagious Fire
Coverage for total and partial loss or damage caused by contagious fire.

Lightning Strike
Coverage for total and partial loss or damage caused by lightning.

Additional Coverage

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Aircraft Damage
Coverage for loss or damage and fire caused by aircraft and other aerial devices

Impact Damage
Coverage for loss or damage caused to property from the impact of vehicles (excluding own vehicle)

Subsidence and Landslide
Coverage for loss or damage caused by subsidence and/or heave of the site on which the building/s stand

Storm, Tempest
Coverage for loss or damage and fire caused by Hurricane, Cyclone, Typhoon and Windstorm

Explosion
Coverage for loss or damage and fire caused by an explosion

*Additional benefits are applicable with additional or extra premium charges.

Explosion
Coverage for loss or damage and fire caused by an explosion

Burglary
Coverage for loss or damage caused by theft following forcible and violent entry

Earthquake and Volcanic Eruption
Coverage for loss or damage caused by fire following earthquake and volcanic eruptions

Flood and Inundation
Coverage for loss or damage caused by fire following flood and inundation

Spontaneous Combustion
Coverage for loss or damage to the property insured by fire only caused by its own spontaneous fermentation, heating, or combustion

Product Highlights

Premium Rating

0.13% to 3.5% on sum insured (Property Value)

Policy Term

Maximum policy term 1 year (renewable on a yearly basis)
Minimum policy term up to 10 days

Subject to:

Construction type and building condition
Situation and/or location of the building
Occupancy of the building

FAQ

What documents are needed for fire insurance?

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A. Building

Completed Proposal Form
Complete Checklist Items Submission
Detailed List of Furniture, Fittings, Assets, and Machinery
Copy of Invoice (or) Contract (or) Purchase Order (or) Lease
Copy of Owner Certificate (or) Rental Contract
Copy of NRC (for individual)
Copy of Company Registration & Dominant Shareholder Information (For Company)

B. Stocks

Completed Proposal Form
Complete Checklist Items Submission
Detailed Stock List
Ledger
Copy of NRC (for individual)
Copy of Company Registration & Dominant Shareholder Information (For Company)

How much is the premium for 1 year?

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Based on the building’s class, occupation and surrounding, the premium rate may vary from 0.35 % to 3.50 %. To get the exact premium amount, the proposed building will be checked by surveyors to calculate the premium rate. Premium must be paid by lump sum before policy inception.

What should I do if I want to change building occupancy, owner name, etc?

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You should contact AYA SOMPO Customer Service – 09 777 100 555 or respective sale staffs for endorsement. You would need to fill in the endorsement form and provide require documents. The refund or additional premium will be charged depends on your changes.

What are the fire insurance coverage?

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Fire insurance basic covers:
i. Fire & Lightning
ii. Accidental Fire
iii. Domestic Gas Explosion

What are the fire insurance additional coverage?

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Customer can purchase additional covers alongside basic fire cover. Additional covers are as follows:
i. Riot fire , Strike damage including fire and malicious damage (premium payable 0.06 % on total coverage amount)
ii. Aircraft Damage ( premium payable 0.10 % on total coverage amount)
iii. Impact Damage ( premium payable 0.10 % on total coverage amount)
iv. Subsidence and landslide (premium payable 0.10 % on total coverage amount)
v. Earthquake fire, fire and shock damage caused by earthquake (premium payable 0.10 % on total coverage amount)
vi. Explosion (premium payable 0.10 % on total coverage amount)
vii. Spontaneous Combustion ( premium payable 0.08 % on total coverage amount)
viii. Various Storms (i.e., Typhoon, Hurricane, Tempest, etc.) (premium payable 0.20% – 0.25 % on total coverage amount)
ix. Flood and Inundation (premium payable 0.10 % on total coverage amount)
x. Burglary (premium payable 0.25% – 0.75 % on total coverage amount)
xi. War Risk (premium payable 0.10 % on total coverage amount)

What should I do if I want to cancel my policy?

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You should contact AYA SOMPO Customer Service – 09 777 100 555 or respective sale staffs for cancellation process. You would need to fill in the cancellation form. The premium will be refunded depends on remaining insurance period.

More Information

Brochure

Checklist

Proposal

Endorsement Request Form

Cancellation Request Form

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+95 9777100555

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Choose from the following types of AYA Health Standard Plans to suit your needs!

AYA Health Plus
AYA Health Pro
AYA Health Prestige
AYA Health Prime

We also provide corporate customers with versatile health insurance solutions as Cafeteria Plan, meticulously customized to align perfectly with your unique needs. Regarding the purchase of the Cafeteria Plan, only the rules, regulations, and decisions of AYA SOMPO Insurance Co.,Ltd are considered final.

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

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

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Benefits

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B. Stocks

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