You can choose a policy term of 3 months, 6 months, or 1 year, depending on your coverage needs. The 1-year policy can be renewed annually to maintain continuous coverage.

You can select a coverage amount (Sum Insured) ranging from a minimum of 500,000 MMK up to a maximum of 20,000,000 MMK to fit your specific needs.

The policy provides the following benefits in the event of an accident:

-  Death due to accident: Total sum insured amount will be paid as lump sum to the beneficiary.

Permanent Disability: Total sum insured amount will be paid as lump sum to the beneficiary.

-  Injury / Loss of Limbs: The benefits calculation depends on Doctor’s Recommendation and the specific benefits table in the policy.

-  Hospitalization / Not able to work: A weekly benefit equal to 3% of the Sum Insured will be paid, up to a maximum of 15% of the Sum Insured.

Personal Accident insurance premium ratings are determined based on three primary factors:

• Your total selected Sum Insured Amount
• The inherent Nature of your Work (occupational risk tier), and

your chosen Policy Term duration.

Benefits do not cover for injuries, permanent disability, death that related with the following conditions

• Intentionally self-inflicted injury causing permanent disability, death
• Death, permanent disability, injury due to intoxicating drugs
• Permanent disability, death due to disease
• Protest, War risk (declare or not), War-like terrorism
• Strike, Riot and Civil commotion, Civil unrest, Military coup
• Injury, Permanent disability and Death due to Protest, War risk (declare or not), War-like Terrorism, Strike, Riot and Civil Commotion, Civil Unrest, Military Coup, Civil Riot and its consequences.
• Death, permanent disability, injury due to crimes
• Death, permanent disability, injury caused by other-inflicted injury or attempting to inflicted injury or related with

Your premium rating is calculated at approximately 1% of your total coverage amount (Sum Insured). The exact rate depends directly on the nature of your occupation and the risk level associated with your daily work duties.

Short-term insurance coverage is available. The minimum policy term is 3 months, and 6-month coverage is also available to suit your specific needs.

No, the number of insured persons cannot be adjusted during the active policy term. Any modifications to the list of insured persons can only be made at the time of policy renewal.

If the policy will be cancelled by AYA SOMPO Insurance Company Limited, refund the premium with pro rata for the rest of the policy term. If the policyholder wishes to cancel the coverage, a written notice must typically be submitted before the policy's effective start date, otherwise, no premium will be refund.

Benefit for permanent disability will not be paid with other benefit

To apply for Personal Accident insurance, you must submit a completed proposal form, information checklist, and a copy of your National Registration Card (NRC) if applying as an individual. For corporate policies, you must provide a copy of the company registration alongside dominant shareholder information.

You must notify AYA SOMPO immediately. However, if immediate notification is not possible due to valid reasons, you must submit the notification within two weeks of the accident.

AYA SOMPO will send a reminder notification via your registered mobile number or email address before your policy expires. Therefore, it is important to keep your contact information updated.

The policy should ideally be renewed 7 to 14 days before its expiration date. This ensures continuous, uninterrupted coverage and prevents any lapse in benefits.

Yes, you can. You can easily renew your policy through the AYA SOMPO official website or mobile application, with instant online payment options available.

The policy should ideally be renewed 7 to 14 days before its expiration date. This ensures continuous, uninterrupted coverage and prevents any lapse in benefits.

Yes, you can. You can easily renew your policy through the AYA SOMPO official website or mobile application, with instant online payment options available.

If you fail to renew your policy before it expires, your insurance coverage will automatically terminate on the expiration date.

Yes, you can. During the  renewal process, you may adjust your Sum Insured (either an increase or a decrease) to match your current requirements, subject to company review and policy terms.

If your personal details or other risk information have changed at the time of renewal, you will be required to submit a new proposal form and other related documents reflecting those changes. This ensures your coverage remains accurate and valid under updated terms. If there are no changes to your personal details, a new proposal form is not required. Your existing policy number and basic information are completely sufficient to complete a quick renewal.

An endorsement is a formal, legal amendment added to an active Personal Accident policy to modify its original terms such as a changing an insured person's occupation. Rather than canceling the existing contract, an endorsement legally records and implements specific mid-term updates.

An endorsement is required whenever changes need to be made to an active contract. Common scenarios include:

• Amending policyholder contact information, correcting name spellings, or changing designated beneficiaries.

Updating occupational risk classifications. (Note: Increasing the Sum Insured (SI) for a specific individual mid-term is not permitted.)

There is no administrative processing fee. However, an additional premium may be charged for changes that increase the level of risk, such as changing an insured person's occupation to a higher-risk classification.

Yes. A policyholder may change the designated beneficiary at any time during the active policy term by submitting a request for an official policy endorsement. The change will take effect once it has been reviewed and approved by the insurer.

To request a policy endorsement, the policyholder or an authorized company representative must submit a formal written request along with Endorsement Request Form and Details of Changes to AYA SOMPO Insurance Company Limited or contacting the AYA SOMPO Insurance Company Limited customer service center.

Endorsement requests are typically processed within 3 to 5 business days after all required documents and information have been received. Processing times may vary depending on the type of change requested and the complexity of the review.