My AYASOMPO

Understanding Your Insurance Policy Journey

Loss or Damage to vehicle

Coverage for loss or damage to own vehicle due to accident, fire, and/or lightning (up to the maximum amount of total coverage)

Windscreen Coverage

Coverage for windscreen up to MMK 3 Million in case of damage or loss

Death and Injury Benefits

Coverage for death and disability up to MMK 1 Million and payout according to scale of injury prescribed

Liabilities for Third Parties

Compensation liability for another person’s death, bodily injury, property loss and damage (up to MMK 50 Million maximum coverage amount)

ADDITIONAL COVERAGE

Strike, Riot, Civil Commotion
Coverage for loss or damage due to strike or riot

War Risk
Coverage for loss or damage due to events such as war, mutiny, rebellion, revolution, military or usurped power

Nil Excess
Coverage for any excess charges in case of damage or loss due to accidents

Theft
Coverage for loss or damage to vehicle due to theft

Acts of God
Coverage for loss or damage due to flood, windstorm, typhoon, hurricane, volcanic eruption, earthquake, landslide, landslip or subsidence

Understanding Your Insurance Policy Journey

COVERAGE

NEXT : BENEFITS

Loss or Damage to vehicle

Coverage for loss or damage to own vehicle due to accident, fire, and/or lightning (up to the maximum amount of total coverage)

Windscreen Coverage

Coverage for windscreen up to MMK 3 Million in case of damage or loss

Death and Injury Benefits

Coverage for death and disability up to MMK 1 Million and payout according to scale of injury prescribed

Liabilities for Third Parties

Compensation liability for another person’s death, bodily injury, property loss and damage (up to MMK 50 Million maximum coverage amount)

ADDITIONAL COVERAGE

Strike, Riot, Civil Commotion
Coverage for loss or damage due to strike or riot

War Risk
Coverage for loss or damage due to events such as war, mutiny, rebellion, revolution, military or usurped power

Nil Excess
Coverage for any excess charges in case of damage or loss due to accidents

Theft
Coverage for loss or damage to vehicle due to theft

Acts of God
Coverage for loss or damage due to flood, windstorm, typhoon, hurricane, volcanic eruption, earthquake, landslide, landslip or subsidence

Understanding Your Insurance Policy Journey

Emergency Towing Assistance

Emergency towing services following an accident and coverage up to MMK 100,000

Fleet Discount

Up to 10% of fleet discount will be offered under the insured’s name

Legal Expenses

Coverage for legal expenses in the event of motor prosecution up to MMK 200,000

No Claim Bonus (NCB)

No Claim Bonus up to 40% if claims are not being made 3 years and above

24-Hour Emergency Claim Service

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

Understanding Your Insurance Policy Journey

BENEFITS

NEXT : ELIGIBILITY

Emergency Towing Assistance

Emergency towing services following an accident and coverage up to MMK 100,000

Fleet Discount

Up to 10% of fleet discount will be offered under the insured’s name

Legal Expenses

Coverage for legal expenses in the event of motor prosecution up to MMK 200,000

No Claim Bonus (NCB)

No Claim Bonus up to 40% if claims are not being made 3 years and above

24-Hour Emergency Claim Service

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

Understanding Your Insurance Policy Journey

What documents are needed for Comprehensive Motor Insurance? အလုံးစုံမော်တော်ယာဉ်အာမခံထားရှိလိုပါက မည်သည့်စာရွက်စာတမ်းများလိုအပ်ပါသလဲ။

Completed Proposal Form
Complete Checklist Items Submission
Vehicle Registration Certificate (Wheel Tax) or IP/ID Document or Initial RTA registration IP/ID Document
Driving License
Owner Book
Sale Contract/Invoice
Car Photos

Do all insurance companies charged the same premium? အာမခံကုမ္ပဏီများအားလုံး ကောက်ခံသော ပရီမီယံနှုန်းထားသည် တူညီပါသလား။

Motor Insurance is tariff rated i.e. the premium for that cover is being computed based on a formula determined by the insurance authority. This means that all insurance companies are charging the same basic premium for the same cover.

What is an excess and can you illustrate an example of its application? လျော်ကြေးနှုတ်ဖြတ်ငွေဆိုတာဘာလဲ။ ဘယ်လိုအသုံးပြုနိုင်လဲဆိုတာကို ဥပမာပေးပြီးရှင်းပြပေးပါ။

An excess is the amount the Insured will have to bear before the insurance company will pay for each and every claim made. For example, if the claim amount is 60,000 MMK and the excess stated on the policy is 50,000 MMK, the amount payable to the Insured will be 10,000 MMK .

What is No Claim Bonus (NCB) entitlement? လျော်ကြေးမဲ့ဆု (No Claim Bonus) ဆိုတာဘာလဲ။

A NCB entitlement is a discount allowed to the Insured in accordance to a scale determined by the authority, a certain percentage off the basic premium if no claim is made or intimated under the insured's policy and also provided the vehicle is insured continuously for a period of 12 months with the same insurer.

Can I transfer my NCB entitlement from one car to another and from another insurance company? လျော်ကြေးမဲ့ဆုကို မော်တော်ယာဉ်တစ်စီးမှနောက်တစ်စီးသို့ လွှဲပြောင်းနိုင်ပါသလား။

Yes, if the cars are registered in your name, the transfer of NCB earned can be allowed but always bear in mind that you can only enjoy the next level of NCB if your car is insured with the same insurer continuously for a period of 12 months and provided there is no claim made or intimated under your policy in each of the above instances. (Note: You cannot use the same NCB earned to more than one car. NCB is on earned basis by each car upon completion of the continuous 12 month period of insurance with the same insurer. You can transfer your NCB to any car registered in your name as explained above.)

How much should I insure my car? ကားအာမခံထားချင်ရင် ဘယ်လောက်နဲ့ထားရမလဲ။

You should insure your car on its market value. You can seek local car dealers or showrooms to determine the value of your car.

What should I do if I want to change my car? ကားပြောင်းချင်ရင် ဘာလုပ်ဖို့လိုမလဲ။

You should contact AYA SOMPO Customer Service – 09 777 100 555 or respective sale staffs for changing a vehicle. You would need to fill in the endorsement form and provide the required documents for your new vehicle. The refund or additional premium will be charged depending on your new SI.

What should I do if I want to cancel my policy? ပေါ်လစီ ပယ်ဖျက်ချင်ရင် ဘာလုပ်ဖို့လိုမလဲ။

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 depending on the remaining insurance period.

Understanding Your Insurance Policy Journey

FAQ

What documents are needed for Comprehensive Motor Insurance? အလုံးစုံမော်တော်ယာဉ်အာမခံထားရှိလိုပါက မည်သည့်စာရွက်စာတမ်းများလိုအပ်ပါသလဲ။

Completed Proposal Form
Complete Checklist Items Submission
Vehicle Registration Certificate (Wheel Tax) or IP/ID Document or Initial RTA registration IP/ID Document
Driving License
Owner Book
Sale Contract/Invoice
Car Photos

Do all insurance companies charged the same premium? အာမခံကုမ္ပဏီများအားလုံး ကောက်ခံသော ပရီမီယံနှုန်းထားသည် တူညီပါသလား။

What is an excess and can you illustrate an example of its application? လျော်ကြေးနှုတ်ဖြတ်ငွေဆိုတာဘာလဲ။ ဘယ်လိုအသုံးပြုနိုင်လဲဆိုတာကို ဥပမာပေးပြီးရှင်းပြပေးပါ။

What is No Claim Bonus (NCB) entitlement? လျော်ကြေးမဲ့ဆု (No Claim Bonus) ဆိုတာဘာလဲ။

Can I transfer my NCB entitlement from one car to another and from another insurance company? လျော်ကြေးမဲ့ဆုကို မော်တော်ယာဉ်တစ်စီးမှနောက်တစ်စီးသို့ လွှဲပြောင်းနိုင်ပါသလား။

How much should I insure my car? ကားအာမခံထားချင်ရင် ဘယ်လောက်နဲ့ထားရမလဲ။

You should insure your car on its market value. You can seek local car dealers or showrooms to determine the value of your car.

What should I do if I want to change my car? ကားပြောင်းချင်ရင် ဘာလုပ်ဖို့လိုမလဲ။

What should I do if I want to cancel my policy? ပေါ်လစီ ပယ်ဖျက်ချင်ရင် ဘာလုပ်ဖို့လိုမလဲ။

Understanding Your Insurance Policy Journey

Hospitalization and Death Benefits

Coverage for death benefit and hospital expenses

Surgical Procedure and Miscarriage

Coverage for surgical expenses and miscarriage

Outpatient Benefit (OPD*)

Coverage for Outpatient Treatments at clinics or hospitals which do not require admission of patient
*OPD – outpatient department

ADDITIONAL COVERAGE

CRITICAL ILLNESS

Heart Attack

Stroke (Permanent)

Cancer (Life Threatening)

Heart Valve Repair or Replacement

Renal Failure

Coronary Artery Bypass Surgery

Severe Burns

Coma

Major Organ Transplant

Bacterial Meningitis

Understanding Your Insurance Policy Journey

COVERAGE

NEXT : BENEFITS

Hospitalization and Death Benefits

Coverage for death benefit and hospital expenses

Surgical Procedure and Miscarriage

Coverage for surgical expenses and miscarriage

Outpatient Benefit (OPD*)

Coverage for Outpatient Treatments at clinics or hospitals which do not require admission of patient
*OPD – outpatient department

ADDITIONAL COVERAGE

CRITICAL ILLNESS

Heart Attack

Stroke (Permanent)

Cancer (Life Threatening)

Heart Valve Repair or Replacement

Renal Failure

Coronary Artery Bypass Surgery

Severe Burns

Coma

Major Organ Transplant

Bacterial Meningitis

Understanding Your Insurance Policy Journey

Choose from the following 4 types of health plans to suit your needs!

MediCare Classic
MediCare Classic+ (incl. additional coverage)
MediCare Classic+ (အပိုအကာအကွယ်ပါဝင်ပြီး)
MediCare Premium
MediCare Premium+ (incl. additional coverage)
MediCare Premium+ (အပိုအကာအကွယ်ပါဝင်ပြီး)

Individual Plan (Figures In MMK)

MediCare Classic	MediCare Classic+	MediCare Premium	MediCare Premium+
Hospital cash Daily (Max 60days) 50,000	Hospital cash Daily (Max 60days) 50,000	Hospital cash Daily (Max 60days) 100,000	Hospital cash Daily (Max 60days) 50,000
Death Benefit 5,000,000	Death Benefit 5,000,000	Death Benefit 10,000,000	Death Benefit 5,000,000
Out-Patient Department (OPD) UP to 50,000	Out-Patient Department (OPD) UP to 50,000	Out-Patient Department (OPD) UP to 100,000	Out-Patient Department (OPD) UP to 50,000
Surgical cash 500,000	Surgical cash 500,000	Surgical cash 500,000	Surgical cash 500,000
Miscarriage 300,000	Miscarriage 300,000	Miscarriage 300,000	Miscarriage 300,000
	Critical illness (6-60 age) 5,000,000		Critical illness (6-60 age) 10,000,000

MediCare Classic	MediCare Classic+	MediCare Premium	MediCare Premium+
နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၅၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၅၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၁၀၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၁၀၀,၀၀၀
သေဆုံးခြင်း ၅,၀၀၀,၀၀၀	သေဆုံးခြင်း ၅,၀၀၀,၀၀၀	သေဆုံးခြင်း ၁၀,၀၀၀,၀၀၀	သေဆုံးခြင်း ၁၀,၀၀၀,၀၀၀
ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၅၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၅၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၁၀၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၁၀၀,၀၀၀ အထိ
ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀
သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀
	ပြင်းထန်ရောဂါ (၆ နှစ်မှ နှစ် ၆၀ အတွင်း) ၅,၀၀၀,၀၀၀		ပြင်းထန်ရောဂါ (၆ နှစ်မှ နှစ် ၆၀ အတွင်း) ၁၀,၀၀၀,၀၀၀

Corporate Plan (Figures In MMK)

MediCare Classic	MediCare Classic+	MediCare Premium	MediCare Premium+
Hospital cash Daily (Max 60days) 50,000	Hospital cash Daily (Max 60days) 50,000	Hospital cash Daily (Max 60days) 100,000	Hospital cash Daily (Max 60days) 100,000
Death Benefit 5,000,000	Death Benefit 5,000,000	Death Benefit 10,000,000	Death Benefit 10,000,000
Out-Patient Department (OPD) UP to 50,000	Out-Patient Department (OPD) UP to 50,000	Out-Patient Department (OPD) UP to 100,000	Out-Patient Department (OPD) UP to 100,000
Surgical cash 500,000	Surgical cash 500,000	Surgical cash 500,000	Surgical cash 500,000
Miscarriage 300,000	Miscarriage 300,000	Miscarriage 300,000	Miscarriage 300,000
	Critical illness (6-60 age) 5,000,000		Critical illness (6-60 age) 10,000,000

MediCare Classic	MediCare Classic+	MediCare Premium	MediCare Premium+
နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၅၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၅၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၁၀၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၁၀၀,၀၀၀
သေဆုံးခြင်း ၅,၀၀၀,၀၀၀	သေဆုံးခြင်း ၅,၀၀၀,၀၀၀	သေဆုံးခြင်း ၁၀,၀၀၀,၀၀၀	သေဆုံးခြင်း ၁၀,၀၀၀,၀၀၀
ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၅၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၅၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၁၀၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၁၀၀,၀၀၀ အထိ
ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀
သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀
	ပြင်းထန်ရောဂါ (၆ နှစ်မှ နှစ် ၆၀ အတွင်း) ၅,၀၀၀,၀၀၀		ပြင်းထန်ရောဂါ (၆ နှစ်မှ နှစ် ၆၀ အတွင်း) ၁၀,၀၀၀,၀၀၀

Eligibility

Any individuals, or Corporate Employees, between 6 to 60 years of age. A parent or guardian is required if to be insured is between 6 to 18 years of age.

Medical Checkup is required if purchased unit is above 4 units or insured age is above 50 for Critical Illness Additional Coverage.

Understanding Your Insurance Policy Journey

BENEFITS

NEXT : PRODUCT HIGHLIGHT

Choose from the following 4 types of health plans to suit your needs!

MediCare Classic
MediCare Classic+ (incl. additional coverage)
MediCare Classic+ (အပိုအကာအကွယ်ပါဝင်ပြီး)
MediCare Premium
MediCare Premium+ (incl. additional coverage)
MediCare Premium+ (အပိုအကာအကွယ်ပါဝင်ပြီး)

Individual Plan (Figures In MMK)

MediCare Classic	MediCare Classic+	MediCare Premium	MediCare Premium+
Hospital cash Daily (Max 60days) 50,000	Hospital cash Daily (Max 60days) 50,000	Hospital cash Daily (Max 60days) 100,000	Hospital cash Daily (Max 60days) 50,000
Death Benefit 5,000,000	Death Benefit 5,000,000	Death Benefit 10,000,000	Death Benefit 5,000,000
Out-Patient Department (OPD) UP to 50,000	Out-Patient Department (OPD) UP to 50,000	Out-Patient Department (OPD) UP to 100,000	Out-Patient Department (OPD) UP to 50,000
Surgical cash 500,000	Surgical cash 500,000	Surgical cash 500,000	Surgical cash 500,000
Miscarriage 300,000	Miscarriage 300,000	Miscarriage 300,000	Miscarriage 300,000
	Critical illness (6-60 age) 5,000,000		Critical illness (6-60 age) 10,000,000

MediCare Classic	MediCare Classic+	MediCare Premium	MediCare Premium+
နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၅၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၅၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၁၀၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၁၀၀,၀၀၀
သေဆုံးခြင်း ၅,၀၀၀,၀၀၀	သေဆုံးခြင်း ၅,၀၀၀,၀၀၀	သေဆုံးခြင်း ၁၀,၀၀၀,၀၀၀	သေဆုံးခြင်း ၁၀,၀၀၀,၀၀၀
ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၅၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၅၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၁၀၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၁၀၀,၀၀၀ အထိ
ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀
သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀
	ပြင်းထန်ရောဂါ (၆ နှစ်မှ နှစ် ၆၀ အတွင်း) ၅,၀၀၀,၀၀၀		ပြင်းထန်ရောဂါ (၆ နှစ်မှ နှစ် ၆၀ အတွင်း) ၁၀,၀၀၀,၀၀၀

Corporate Plan (Figures In MMK)

MediCare Classic	MediCare Classic+	MediCare Premium	MediCare Premium+
Hospital cash Daily (Max 60days) 50,000	Hospital cash Daily (Max 60days) 50,000	Hospital cash Daily (Max 60days) 100,000	Hospital cash Daily (Max 60days) 100,000
Death Benefit 5,000,000	Death Benefit 5,000,000	Death Benefit 10,000,000	Death Benefit 10,000,000
Out-Patient Department (OPD) UP to 50,000	Out-Patient Department (OPD) UP to 50,000	Out-Patient Department (OPD) UP to 100,000	Out-Patient Department (OPD) UP to 100,000
Surgical cash 500,000	Surgical cash 500,000	Surgical cash 500,000	Surgical cash 500,000
Miscarriage 300,000	Miscarriage 300,000	Miscarriage 300,000	Miscarriage 300,000
	Critical illness (6-60 age) 5,000,000		Critical illness (6-60 age) 10,000,000

MediCare Classic	MediCare Classic+	MediCare Premium	MediCare Premium+
နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၅၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၅၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၁၀၀,၀၀၀	နေ့စဉ်ဆေးရုံစရိတ် (အများဆုံး ရက် ၆၀) ၁၀၀,၀၀၀
သေဆုံးခြင်း ၅,၀၀၀,၀၀၀	သေဆုံးခြင်း ၅,၀၀၀,၀၀၀	သေဆုံးခြင်း ၁၀,၀၀၀,၀၀၀	သေဆုံးခြင်း ၁၀,၀၀၀,၀၀၀
ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၅၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၅၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၁၀၀,၀၀၀ အထိ	ဆေးရုံ/ဆေးခန်းပြခြင်း (ပြင်ပလူနာဌာန) ၁၀၀,၀၀၀ အထိ
ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀	ခွဲစိတ်ကုသမှု ၅၀၀,၀၀၀
သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀	သားပျက်သားလျှော ၃၀၀,၀၀၀
	ပြင်းထန်ရောဂါ (၆ နှစ်မှ နှစ် ၆၀ အတွင်း) ၅,၀၀၀,၀၀၀		ပြင်းထန်ရောဂါ (၆ နှစ်မှ နှစ် ၆၀ အတွင်း) ၁၀,၀၀၀,၀၀၀

Eligibility

Any individuals, or Corporate Employees, between 6 to 60 years of age. A parent or guardian is required if to be insured is between 6 to 18 years of age.

Medical Checkup is required if purchased unit is above 4 units or insured age is above 50 for Critical Illness Additional Coverage.

Understanding Your Insurance Policy Journey

Pre-existing diseases

Hospital visits for medical checkup purpose

Normal delivery, surgery and hospitalization due to pregnancy, insanity, mental illness

Hospitalization and having surgery to procreate

Illegal abortion and/or induced miscarriage

Eye treatment except due to accident

Cosmetic/plastic surgery

Hearing implant

Infirmity

Drug abuse

Crimes

HIV/AIDS

Fraudulent requests

Vandalizing, protect and war and war-like terrorism

Suicide

Understanding Your Insurance Policy Journey

EXCLUSIONS

NEXT : FAQ

Pre-existing diseases

Normal delivery, surgery and hospitalization due to pregnancy, insanity, mental illness

Hospital visits for medical checkup purpose

Hospitalization and having surgery to procreate

Illegal abortion and/or induced miscarriage

Dental treatment except due to accident

Eye treatment except due to accident

Cosmetic/plastic surgery

Hearing implant

Infirmity

Drug abuse

Crimes

HIV/AIDS

Vandalizing, protect and war and war-like terrorism

Fraudulent requests

Suicide

Understanding Your Insurance Policy Journey

What documents are needed to insure? ကျန်းမာရေးအာမခံ ဝယ်ယူရန် မည်သည့်စာရွက်စာတမ်းများ လိုအပ်ပါသနည်း။

Completed Proposal form
Complete Checklist Items Submission
Medical Checkup Record (if necessary)
Copy of NRC (for individual)
Copy of Company Registration & Dominant Shareholder Information (For Company)

Are there any exclusions in a Health Insurance Plan? ကျန်းမာရေးအာမခံတွင် လျော်ကြေးအကျုံးမဝင်သည့်အချက်များ ရှိပါသလား။

Yes, please refer to the Policy Exclusions as stated in the Health Product Exclusions.

Who is responsible to pay the ineligible expenses upon discharge? လျော်ကြေးအကျုံးမဝင်သော ကုန်ကျစရိတ်များအတွက် မည်သူက ပေးဆောင်ရမည်နည်း။

The policyholder has to pay.

Do I need to go for any medical examination? ကျန်းမာရေးအာမခံအတွက် ဆေးစစ်မှုခံယူရန် လိုအပ်ပါသလား။

Yes, your application will be assessed based on the health declaration made by you.

Understanding Your Insurance Policy Journey

FAQ

What documents are needed to insure? ကျန်းမာရေးအာမခံ ဝယ်ယူရန် မည်သည့်စာရွက်စာတမ်းများ လိုအပ်ပါသနည်း။

Completed Proposal form
Complete Checklist Items Submission
Medical Checkup Record (if necessary)
Copy of NRC (for individual)
Copy of Company Registration & Dominant Shareholder Information (For Company)

Are there any exclusions in a Health Insurance Plan? ကျန်းမာရေးအာမခံတွင် လျော်ကြေးအကျုံးမဝင်သည့်အချက်များ ရှိပါသလား။

Yes, please refer to the Policy Exclusions as stated in the Health Product Exclusions.

Who is responsible to pay the ineligible expenses upon discharge? လျော်ကြေးအကျုံးမဝင်သော ကုန်ကျစရိတ်များအတွက် မည်သူက ပေးဆောင်ရမည်နည်း။

The policyholder has to pay.

Do I need to go for any medical examination? ကျန်းမာရေးအာမခံအတွက် ဆေးစစ်မှုခံယူရန် လိုအပ်ပါသလား။

Yes, your application will be assessed based on the health declaration made by you.

Understanding Your Insurance Policy Journey

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.

Lightning Strike

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

Contagious Fire

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

ADDITIONAL COVERAGE

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

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

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