Understanding Your Insurance Policy Journey
Loss or Damage to vehicle
áĄáŹáááśááŹá¸ááąáŹááŹááş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
Coverage for loss or damage to own vehicle due to accident, fire, and/or lightning (up to the maximum amount of total coverage)
áááąáŹáşááááŹá¸áááŻááşááááźááşá¸á ááŽá¸ááąáŹááşááźááşá¸áážááˇáş áááŻá¸ááźááŻá¸áá áşááźááşá¸áááŻáˇááźáąáŹááˇáş áááááááŻááşáááŻááşááŹááş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸ (áĄáŹáááśááŹá¸ááąáŹ ááŹááşáááşáááŻá¸áĄááťáŹá¸ááŻáśá¸áĄáá ááážááááŻááşááŤáááş)
Windscreen Coverage
Coverage for windscreen up to MMK 3 Million in case of damage or loss
ááąááŹáážááş áĄááŹáĄáá˝ááş
ááąááŹáážááşáááşáááŻá¸áĄááąáŤáşáá°áááşá ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááťááŻá¸ááśá
áŹá¸áá˝ááˇáş ááááşá¸ (áá) áĄáá ááážááááŻááşááźááşá¸
Death and Injury Benefits
Coverage for death and disability up to MMK 1 Million and payout according to scale of injury prescribed
ááąááŻáśá¸áážáŻáážááˇáş áááşááŹááážááážáŻ áĄááťááŻá¸ááśá áŹá¸áá˝ááşáˇ
ááąááŻáśá¸áážáŻáážááˇáş áááşááŹááážáááźááşá¸áĄáá˝ááş ááťáąáŹáşááźáąá¸ááąá¸ááąáŹááşáážáŻááᯠáááááŻááşáááˇáşáĄáááŻááşá¸áĄááŹááąáŤáşáá°áááşá áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş ááťááş (áá) ááááşá¸áĄáá ááážááááŻááşááźááşá¸
Liabilities for Third Parties
Compensation liability for another personâs death, bodily injury, property loss and damage (up to MMK 50 Million maximum coverage amount)
áá áşááŤá¸áá°áááááŻááşáá áşááŹááźááşá¸
áá áşááŤá¸áá°ááąááŻáśá¸ááźááşá¸á áááááŻááşáááşááŹáááźááşá¸áážááˇáş áá áşááŤá¸áá°áááŻááşáááŻááşááąáŹ áá ášá ááşá¸ááťáŹá¸ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸ááťáŹá¸áĄáá˝ááş ááťáąáŹáşááźáąá¸ ááąá¸ááąáŹááşáážáŻ (áĄááťáŹá¸ááŻáśá¸ ááááşá¸ á áá áĄáá)
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Strike, Riot, Civil Commotion
Coverage for loss or damage due to strike or riot
áááááşáážáąáŹááşááźááşá¸á áĄáááááŻááşá¸ááźá
áşááźááşá¸
áááááşáážáąáŹááşááźááşá¸á áĄáááááŻááşá¸ááźá
áşááźááşá¸ááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
War Risk
Coverage for loss or damage due to events such as war, mutiny, rebellion, revolution, military or usurped power
á
á
áşááąá¸áĄáášáááŹááş
á
á
áşáážááˇáşá
á
áşáĄáá˝ááşááźá
áşáááşááťáŹá¸ááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Nil Excess
Coverage for any excess charges in case of damage or loss due to accidents
ááťáąáŹáşááźáąá¸áážáŻááşááźááşáá˝áą áááşá¸áá˝ááşáá˝ááˇáşáĄá
áááąáŹáşáááááááŻááşáážáŻááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áááşááąáŹááşá¸ááąá¸áááąáŹ áážáŻááşááźááşáá˝áąáááşá¸áá˝ááşááźááşá¸
Theft
Coverage for loss or damage to vehicle due to theft
ááąáŹáşááąáŹáşááŹááşáááŻá¸áá°ááśáááźááşá¸
ááąáŹáşááąáŹáşááŹááşáááŻá¸áá°ááśáááźááşá¸ááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Acts of God
Coverage for loss or damage due to flood, windstorm, typhoon, hurricane, volcanic eruption, earthquake, landslide, landslip or subsidence
áááŹáááąá¸áĄáášáááŹááş
ááąááźáŽá¸ááźááşá¸á ááąááŻááşáááŻááşá¸áááŻááşááźááşá¸á áááŻááşááŻááşá¸á ááąáááşáážáŹááąáŹááşá¸á ááŽá¸ááąáŹááşááąáŤááşáá˝á˛ááźááşá¸á ááźáąáááťááşáážáŻááşááźááşá¸á ááźáąááźááŻááźááşá¸á ááźáąááťá˝áśááźááşá¸ á
áááşáááŻáˇááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : BENEFITS
Loss or Damage to vehicle
áĄáŹáááśááŹá¸ááąáŹááŹááş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
Coverage for loss or damage to own vehicle due to accident, fire, and/or lightning (up to the maximum amount of total coverage)
áááąáŹáşááááŹá¸áááŻááşááááźááşá¸á ááŽá¸ááąáŹááşááźááşá¸áážááˇáş áááŻá¸ááźááŻá¸áá áşááźááşá¸áááŻáˇááźáąáŹááˇáş áááááááŻááşáááŻááşááŹááş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸ (áĄáŹáááśááŹá¸ááąáŹ ááŹááşáááşáááŻá¸áĄááťáŹá¸ááŻáśá¸áĄáá ááážááááŻááşááŤáááş)
Windscreen Coverage
Coverage for windscreen up to MMK 3 Million in case of damage or loss
ááąááŹáážááş áĄááŹáĄáá˝ááş
ááąááŹáážááşáááşáááŻá¸áĄááąáŤáşáá°áááşá ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş ááááşá¸ (áá) áĄáá ááážááááŻááşááźááşá¸
Death and Injury Benefits
Coverage for death and disability up to MMK 1 Million and payout according to scale of injury prescribed
ááąááŻáśá¸áážáŻáážááˇáş áááşááŹááážááážáŻ áĄááťááŻá¸ááśá áŹá¸áá˝ááşáˇ
ááąááŻáśá¸áážáŻáážááˇáş áááşááŹááážáááźááşá¸áĄáá˝ááş ááťáąáŹáşááźáąá¸ááąá¸ááąáŹááşáážáŻááᯠáááááŻááşáááˇáşáĄáááŻááşá¸áĄááŹááąáŤáşáá°áááşá áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş ááťááş (áá) ááááşá¸áĄáá ááážááááŻááşááźááşá¸
Liabilities for Third Parties
Compensation liability for another personâs death, bodily injury, property loss and damage (up to MMK 50 Million maximum coverage amount)
áá áşááŤá¸áá°áááááŻááşáá áşááŹááźááşá¸
áá áşááŤá¸áá°ááąááŻáśá¸ááźááşá¸á áááááŻááşáááşááŹáááźááşá¸áážááˇáş áá áşááŤá¸áá°áááŻááşáááŻááşááąáŹ áá ášá ááşá¸ááťáŹá¸ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸ááťáŹá¸áĄáá˝ááş ááťáąáŹáşááźáąá¸ ááąá¸ááąáŹááşáážáŻ (áĄááťáŹá¸ááŻáśá¸ ááááşá¸ á áá áĄáá)
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Strike, Riot, Civil Commotion
Coverage for loss or damage due to strike or riot
áááááşáážáąáŹááşááźááşá¸á áĄáááááŻááşá¸ááźá
áşááźááşá¸
áááááşáážáąáŹááşááźááşá¸á áĄáááááŻááşá¸ááźá
áşááźááşá¸ááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
War Risk
Coverage for loss or damage due to events such as war, mutiny, rebellion, revolution, military or usurped power
á
á
áşááąá¸áĄáášáááŹááş
á
á
áşáážááˇáşá
á
áşáĄáá˝ááşááźá
áşáááşááťáŹá¸ááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Nil Excess
Coverage for any excess charges in case of damage or loss due to accidents
ááťáąáŹáşááźáąá¸áážáŻááşááźááşáá˝áą áááşá¸áá˝ááşáá˝ááˇáşáĄá
áááąáŹáşáááááááŻááşáážáŻááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áááşááąáŹááşá¸ááąá¸áááąáŹ áážáŻááşááźááşáá˝áąáááşá¸áá˝ááşááźááşá¸
Theft
Coverage for loss or damage to vehicle due to theft
ááąáŹáşááąáŹáşááŹááşáááŻá¸áá°ááśáááźááşá¸
ááąáŹáşááąáŹáşááŹááşáááŻá¸áá°ááśáááźááşá¸ááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Acts of God
Coverage for loss or damage due to flood, windstorm, typhoon, hurricane, volcanic eruption, earthquake, landslide, landslip or subsidence
áááŹáááąá¸áĄáášáááŹááş
ááąááźáŽá¸ááźááşá¸á ááąááŻááşáááŻááşá¸áááŻááşááźááşá¸á áááŻááşááŻááşá¸á ááąáááşáážáŹááąáŹááşá¸á ááŽá¸ááąáŹááşááąáŤááşáá˝á˛ááźááşá¸á ááźáąáááťááşáážáŻááşááźááşá¸á ááźáąááźááŻááźááşá¸á ááźáąááťá˝áśááźááşá¸ á
áááşáááŻáˇááźáąáŹááˇáş ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
Emergency Towing Assistance
Emergency towing services following an accident and coverage up to MMK 100,000
áĄááąá¸ááąáŤáşááŹááşááťááşáá˝á˛á ááááş
ááŹááşáááąáŹáşáááážáŻááźáąáŹááˇáş áĄááąá¸ááąáŤáşááŹááşááťááşáá˝á˛áá°ááźááşá¸ áááşááąáŹááşáážáŻáĄáá˝ááş áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş (á) ááááşá¸ááťááşáĄáá ááážááááŻááşááźááşá¸
Fleet Discount
Up to 10% of fleet discount will be offered under the insuredâs name
ááŹááşá áŻáĄáááŻááş ááťážáąáŹáˇááąá¸ááąá¸ááźááşá¸ (FLEET DISCOUNT)
áĄáŹáááśáá°áá áşáŚá¸áááşá¸ááĄáááşáĄáąáŹááşáá˝ááş fleet discount áá% áĄááááážááááŻááşááźááşá¸
Legal Expenses
Coverage for legal expenses in the event of motor prosecution up to MMK 200,000
áááŹá¸áá˝ááşá ááááş
ááąáŹáşááąáŹáşááŹááşáážááˇáşáááşáááşááźáŽá¸ áááŹá¸á
á˝á˛áááŻáážáŻ ááŻááşááťá
ááááşáĄáá˝ááş (á) ááááşá¸ááťááşáĄáá ááážááááŻááşááźááşá¸
No Claim Bonus (NCB)
No Claim Bonus up to 40% if claims are not being made 3 years and above
ááťáąáŹáşááźáąá¸áá˛áˇáᯠ(NO CLAIM BONUS)
ááážá áşáážááˇáş ááážá áşáĄáááş ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáážáŻ ááážáááŤá ááťáąáŹáşááźáąá¸áá˛áˇááŻááźáąá¸áĄááąááźááˇáş áááŽááŽááśá áá% áĄááááážááááŻááşááźááşá¸
24-Hour Emergency Claim Service
Contact for services from our 24/7 support team in the event of any arising emergency and/or claim
ááááŹáᎠááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśááźááşá¸ áááşááąáŹááşáážáŻ
áĄááąá¸ááąáŤáşááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśááźááşá¸ááᯠáá ááŹáᎠáááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááźááşá¸
Understanding Your Insurance Policy Journey
BENEFITS
NEXT : ELIGIBILITY
Emergency Towing Assistance
Emergency towing services following an accident and coverage up to MMK 100,000
áĄááąá¸ááąáŤáşááŹááşááťááşáá˝á˛á ááááş
ááŹááşáááąáŹáşáááážáŻááźáąáŹááˇáş áĄááąá¸ááąáŤáşááŹááşááťááşáá˝á˛áá°ááźááşá¸ áááşááąáŹááşáážáŻáĄáá˝ááş áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş (á) ááááşá¸ááťááşáĄáá ááážááááŻááşááźááşá¸
Fleet Discount
Up to 10% of fleet discount will be offered under the insuredâs name
ááŹááşá áŻáĄáááŻááş ááťážáąáŹáˇááąá¸ááąá¸ááźááşá¸ (FLEET DISCOUNT)
áĄáŹáááśáá°áá áşáŚá¸áááşá¸ááĄáááşáĄáąáŹááşáá˝ááş fleet discount áá% áĄááááážááááŻááşááźááşá¸
Legal Expenses
Coverage for legal expenses in the event of motor prosecution up to MMK 200,000
áááŹá¸áá˝ááşá ááááş
ááąáŹáşááąáŹáşááŹááşáážááˇáşáááşáááşááźáŽá¸ áááŹá¸á á˝á˛áááŻáážáŻ ááŻááşááťá ááááşáĄáá˝ááş (á) ááááşá¸ááťááşáĄáá ááážááááŻááşááźááşá¸
No Claim Bonus (NCB)
No Claim Bonus up to 40% if claims are not being made 3 years and above
ááťáąáŹáşááźáąá¸áá˛áˇáᯠ(NO CLAIM BONUS)
ááážá áşáážááˇáş ááážá áşáĄáááş ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáážáŻ ááážáááŤá ááťáąáŹáşááźáąá¸áá˛áˇááŻááźáąá¸áĄááąááźááˇáş áááŽááŽááśá áá% áĄááááážááááŻááşááźááşá¸
24-Hour Emergency Claim Service
Contact for services from our 24/7 support team in the event of any arising emergency and/or claim
ááááŹáᎠááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśááźááşá¸ áááşááąáŹááşáážáŻ
áĄááąá¸ááąáŤáşááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśááźááşá¸ááᯠáá ááŹáᎠáááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááźááşá¸
Understanding Your Insurance Policy Journey
Any legally registered motor vehicles, or fleets of vehicles, of private or public use
áááŹá¸áááşáážááşááŻáśáááşááŹá¸ááąáŹ ááąáŹáşááąáŹáşááŹááşááťáŹá¸ áááŻáˇáááŻááş ááŻáášáááááááŻááş áááŻáˇáááŻááş áĄááťáŹá¸ááŻáśá¸ááŹááşááťáŹá¸á
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : BENEFITS
Any legally registered motor vehicles, or fleets of vehicles, of private or public use
áááŹá¸áááşáážááşááŻáśáááşááŹá¸ááąáŹ ááąáŹáşááąáŹáşááŹáĽáşááťáŹá¸ áááŻáˇáááŻááş ááŻáášáááááááŻááş áááŻáˇáááŻááş áĄááťáŹá¸ááŻáśá¸ááŹááşááťáŹá¸á
Understanding Your Insurance Policy Journey
Premium Rating
0.8% to 2% on sum insured (car value)
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
áĄáŹáááśááŹá¸áá˝áą (ááŹá¸áááşáááŻá¸) ááąáŤáşáá˝ááşáá°áááşááźáŽá¸ á.á% ááž á%áá áĄáąáŹááşááŤáááŻáˇáĄááąáŤáşáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŤáááşá
Subject to:
Policy Term
Maximum policy term 1 year (renewable on a yearly basis)
*** Minimum policy term up to 3, 6, and 9 months are applicable
áĄáŹáááś áááşáááşá¸
áĄááťáŹá¸ááŻáśá¸ ááąáŤáşáá
Ꭰáááşáááşá¸áááş áá
áşáážá
áşáĄááááźá
áşááźáŽá¸ áážá
áşá
ááşáááşáááşá¸áááŻá¸áááŻááşááŤáááşá
*** áĄáááşá¸ááŻáśá¸ ááá áá áážááˇáş áá áĄáá ááŹá¸áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHTS
NEXT : FAQ
Premium Rating
0.8% to 2% on sum insured (car value)
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
áĄáŹáááśááŹá¸áá˝áą (ááŹá¸áááşáááŻá¸) ááąáŤáşáá˝ááşáá°áááşááźáŽá¸ á.á% ááž á%áá áĄáąáŹááşááŤáááŻáˇáĄááąáŤáşáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŤáááşá
Subject to:
Policy Term
Maximum policy term 1 year (renewable on a yearly basis)
*** Minimum policy term up to 3, 6, and 9 months are applicable
áĄáŹáááś áááşáááşá¸
áĄááťáŹá¸ááŻáśá¸ ááąáŤáşáá
Ꭰáááşáááşá¸áááş áá
áşáážá
áşáĄááááźá
áşááźáŽá¸ áážá
áşá
ááşáááşáááşá¸áááŻá¸áááŻááşááŤáááşá
*** áĄáááşá¸ááŻáśá¸ ááá áá áážááˇáş áá áĄáá ááŹá¸áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
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.
áĄááŻáśá¸á áŻáśááąáŹáşááąáŹáşááŹááşáĄáŹáááśáážáŹ Tariff Rate ááźááˇáş áááşáážááşááŹá¸ááźááşá¸ááźá áşááŤáááşá áááŻáááŻáááşáážáŹ áááşá¸áĄááŹáĄáá˝ááşáĄáá˝ááş ááąáŹááşááśáááˇáşáááŽááŽááśáááş áĄáŹáááśááŹáááşáážááá°ááž ááťáážááşááŹá¸ááąáŹ ááŻáśááąáááşá¸ááąáŤáşáá˝ááşááťááşááźáŽá¸ ááąáŹááşááśááźááşá¸ááźá áşááąáŹááźáąáŹááˇáş áĄáŹáááśááŻáášáááŽáááŻááşá¸ áá°ááŽááąáŹáĄááŹáĄáá˝ááşáĄáá˝ááş áá°ááŽááąáŹáĄááźáąááśáááŽááŽááśáážáŻááşá¸ááźááˇáş ááąáŹááşááśááźááşá¸ááźá áşááŤáááşá
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 .
ááťáąáŹáşááźáąá¸áážáŻááşááźááşáá˝áąáááŻáááşáážáŹ áĄáŹáááśááŻáášáááŽáážááťáąáŹáşááźáąá¸ááąá¸áááťáááşáááŻááşá¸ áĄáŹáááśááŹá¸áá°áážááąá¸ááąáŹááşááááˇáş áááŹááááŻáááŻáááŻááźááşá¸ááźá áşááŤáááşá áĽáááŹáĄááąááźááˇáş ááťáąáŹáşááźáąá¸ááąá¸ááąáŹááşáááˇáşáááŹááááş ááźáąáŹááşááąáŹááşá¸ááťááşáááŻááťážááş ááąáŤáşáá áŽáá˝ááş ááąáŹáşááźááŹá¸ááąáŹááťáąáŹáşááźáąá¸áážáŻááşááźááşáá˝áą ááŤá¸ááąáŹááşá¸ááťááşááᯠáĄáŹáááśááŹá¸áá°ááž ááąá¸ááąáŹááşááááşááźá áşááźáŽá¸ áĄáŹáááśááŻáášáááŽáážááťááşáá˝áą áá áşááąáŹááşá¸ááťááşááᯠááąá¸ááťáąáŹáşáááşááźá áşááŤáááşá
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.
ááťáąáŹáşááźáąá¸áá˛áˇááŻáááŻáááşáážáŹ áĄáŹáááśááŹáááşáážááá°áážáááşáážááşááŹá¸ááąáŹ á ááşá¸ááťááşá¸á ááşá¸áááşá¸áážááˇáşáĄáᎠáĄáŹáááśáááşáááşá¸áĄáá˝ááşá¸ ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáá˛áˇááźááşá¸ááážáááŤá áĄááźáąááśáááŽááŽááśááąáŤáşáá˝ááş ááŹáááŻááşáážáŻááşá¸áĄáááŻááş ááťáąáŹáˇááąá¸ááśá áŹá¸áá˝ááˇáşáááŻáááŻáááŻááźááşá¸ááźá áşááŤáááşá áááŻáˇááąáŹáş áĄáŹáááśááŹá¸áá°áá áşáŚá¸áá˛ááž ááąáŹáşááąáŹáşááŹááşááᯠáááşáááşá¸ (áá) á áááşáááŻááşáĄáŹáááśááŹá¸áážáᏠááśá áŹá¸áá˝ááˇáşáážááááşááźá áşááŤáááşá
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.)
áááˇáşáĄáááşááźááˇáş ááąáŹáşááąáŹáşááŹááşááťáŹá¸áááŻáážááşááŻáśáááşááŹá¸ááŤá ááťáąáŹáşááźáąá¸áá˛áˇááŻááᯠááąáŹáşááąáŹáşááŹááşáá áşá áŽá¸ááž ááąáŹááşáá áşá áŽá¸áááŻáˇ áá˝ážá˛ááźáąáŹááşá¸ááąá¸áááŻááşááŤáááşá áááŻáˇááąáŹáş ááąáŹááşáážá áşááťáąáŹáşááźáąá¸áá˛áˇááŻááᯠáĄáŹáááśááŹá¸áá°áá áşáŚá¸áá˛ááž ááąáŹáşááąáŹáşááŹááşááᯠáááşáááşá¸ (áá) á áááşáááŻááşáĄáŹáááśááŹá¸áážáááŹá¸ááźáŽá¸ áĄáŹáááśáááşáááşá¸áĄáá˝ááşá¸ ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáá˛áˇááźááşá¸ááážááážáᏠááśá áŹá¸áá˝ááˇáşááážááááşááźá áşááŤáááşá (áážááşááťááşá ááážáááąáŹ ááťáąáŹáşááźáąá¸áá˛áˇááŻááᯠááąáŹáşááąáŹáşááŹááşáá áşá áŽá¸áááşáááŻá áĄááŻáśá¸ááźáŻáá˝ááˇáşááážáááŤá)
You should insure your car on its market value. You can seek local car dealers or showrooms to determine the value of your car.
ááąá¸áá˝ááşááąáŤááşááąá¸ááąáŤáşáá°áááşááźáŽá¸ áĄáŹáááśááŹá¸áážááááŻááşááŤáááşá áĄáŹáááśááŹá¸áážááááŻááąáŹ ááŹá¸áááşáááŻáĄáŹá¸ áááážááááŻááŤá ááŹá¸áĄááąáŹááşá¸ááŹáááşááś (áááŻáˇáááŻááş) ááŹá¸áĄááąáŹááşá¸ááźáááşá¸áá˝ááşáááşá¸ ááąá¸ááźááşá¸áááŻááşááŤáááşá
You should contact AYA SOMPO Customer Service â 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.
ááŹá¸ááźáąáŹááşá¸áááŻáˇáĄáá˝ááş Customer Service ááŻááşá¸ááśááŤááş áá ááá ááá á á á áááŻáˇáááşáá˝ááşáááŻááşááŤáááş (áááŻáˇáááŻááş) áááşáááŻááşáᏠáĄááąáŹááşá¸áááşáááşá¸ááťáŹá¸áááŻáˇ áááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááŤáááşá áĄáŹáááśáážááˇáşáááşáááşá ááźááşáááşááźááşá¸/ááźáąáŹááşá¸áá˛ááźááşá¸ ááąáŹááşá¸áááŻáá˝ážáŹ ááᯠááźááˇáşááąá¸ááźáŽá¸ áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááąá¸áááşáááŻáĄááşááŤáááşá ááźááşáĄááşá¸áá˝áą (áááŻáˇáááŻááş) áááşááąáŹááşá¸áááŽááŽááśááᯠáááşááĄáŹáááśááŹá¸áá˝áąáĄáá áşáĄááąáŤáşáá˝ááş ááąáŹááşááśáá˝áŹá¸áááşááźá áşááŤáááşá
You should contact AYA SOMPO Customer Service â 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.
ááąáŤáşáá Ꭰáááşááťááşááźááşá¸ááŻááşáááşá¸á ááşáážááˇáşáááşáááşá Customer Service ááŻááşá¸ááśááŤááş áá ááá ááá á á á áááŻáˇáááşáá˝ááşáááŻááşááŤáááş (áááŻáˇáááŻááş) áááşáááŻááşáᏠáĄááąáŹááşá¸áááşáááşá¸ááťáŹá¸áááŻáˇ áááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááŤáááşá áĄáŹáááśáážááˇáşáááşáááşá ááťááşááááşá¸ááźááşá¸ ááąáŹááşá¸áááŻáá˝ážáŹ ááźááˇáşááąá¸áááşáááŻáĄááşááŤáááşá ááťááşáážáááąááąáŹ áĄáŹáááśáááşáááşá¸ááąáŤáşáá°áááşááźáŽá¸ áááŽááŽááśááᯠááźááşáĄááşá¸ááąá¸áá˝áŹá¸áááşááźá áşááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
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.
áĄááŻáśá¸á áŻáśááąáŹáşááąáŹáşááŹááşáĄáŹáááśáážáŹ Tariff Rate ááźááˇáş áááşáážááşááŹá¸ááźááşá¸ááźá áşááŤáááşá áááŻáááŻáááşáážáŹ áááşá¸áĄááŹáĄáá˝ááşáĄáá˝ááş ááąáŹááşááśáááˇáşáááŽááŽááśáááş áĄáŹáááśááŹáááşáážááá°ááž ááťáážááşááŹá¸ááąáŹ ááŻáśááąáááşá¸ááąáŤáşáá˝ááşááťááşááźáŽá¸ ááąáŹááşááśááźááşá¸ááźá áşááąáŹááźáąáŹááˇáş áĄáŹáááśááŻáášáááŽáááŻááşá¸ áá°ááŽááąáŹáĄááŹáĄáá˝ááşáĄáá˝ááş áá°ááŽááąáŹáĄááźáąááśáááŽááŽááśáážáŻááşá¸ááźááˇáş ááąáŹááşááśááźááşá¸ááźá áşááŤáááşá
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 .
ááťáąáŹáşááźáąá¸áážáŻááşááźááşáá˝áąáááŻáááşáážáŹ áĄáŹáááśááŻáášáááŽáážááťáąáŹáşááźáąá¸ááąá¸áááťáááşáááŻááşá¸ áĄáŹáááśááŹá¸áá°áážááąá¸ááąáŹááşááááˇáş áááŹááááŻáááŻáááŻááźááşá¸ááźá áşááŤáááşá áĽáááŹáĄááąááźááˇáş ááťáąáŹáşááźáąá¸ááąá¸ááąáŹááşáááˇáşáááŹááááş ááźáąáŹááşááąáŹááşá¸ááťááşáááŻááťážááş ááąáŤáşáá áŽáá˝ááş ááąáŹáşááźááŹá¸ááąáŹááťáąáŹáşááźáąá¸áážáŻááşááźááşáá˝áą ááŤá¸ááąáŹááşá¸ááťááşááᯠáĄáŹáááśááŹá¸áá°ááž ááąá¸ááąáŹááşááááşááźá áşááźáŽá¸ áĄáŹáááśááŻáášáááŽáážááťááşáá˝áą áá áşááąáŹááşá¸ááťááşááᯠááąá¸ááťáąáŹáşáááşááźá áşááŤáááşá
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.
ááťáąáŹáşááźáąá¸áá˛áˇááŻáááŻáááşáážáŹ áĄáŹáááśááŹáááşáážááá°áážáááşáážááşááŹá¸ááąáŹ á ááşá¸ááťááşá¸á ááşá¸áááşá¸áážááˇáşáĄáᎠáĄáŹáááśáááşáááşá¸áĄáá˝ááşá¸ ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáá˛áˇááźááşá¸ááážáááŤá áĄááźáąááśáááŽááŽááśááąáŤáşáá˝ááş ááŹáááŻááşáážáŻááşá¸áĄáááŻááş ááťáąáŹáˇááąá¸ááśá áŹá¸áá˝ááˇáşáááŻáááŻáááŻááźááşá¸ááźá áşááŤáááşá áááŻáˇááąáŹáş áĄáŹáááśááŹá¸áá°áá áşáŚá¸áá˛ááž ááąáŹáşááąáŹáşááŹááşááᯠáááşáááşá¸ (áá) á áááşáááŻááşáĄáŹáááśááŹá¸áážáᏠááśá áŹá¸áá˝ááˇáşáážááááşááźá áşááŤáááşá
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.)
áááˇáşáĄáááşááźááˇáş ááąáŹáşááąáŹáşááŹááşááťáŹá¸áááŻáážááşááŻáśáááşááŹá¸ááŤá ááťáąáŹáşááźáąá¸áá˛áˇááŻááᯠááąáŹáşááąáŹáşááŹááşáá áşá áŽá¸ááž ááąáŹááşáá áşá áŽá¸áááŻáˇ áá˝ážá˛ááźáąáŹááşá¸ááąá¸áááŻááşááŤáááşá áááŻáˇááąáŹáş ááąáŹááşáážá áşááťáąáŹáşááźáąá¸áá˛áˇááŻááᯠáĄáŹáááśááŹá¸áá°áá áşáŚá¸áá˛ááž ááąáŹáşááąáŹáşááŹááşááᯠáááşáááşá¸ (áá) á áááşáááŻááşáĄáŹáááśááŹá¸áážáááŹá¸ááźáŽá¸ áĄáŹáááśáááşáááşá¸áĄáá˝ááşá¸ ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáá˛áˇááźááşá¸ááážááážáᏠááśá áŹá¸áá˝ááˇáşááážááááşááźá áşááŤáááşá (áážááşááťááşá ááážáááąáŹ ááťáąáŹáşááźáąá¸áá˛áˇááŻááᯠááąáŹáşááąáŹáşááŹááşáá áşá áŽá¸áááşáááŻá áĄááŻáśá¸ááźáŻáá˝ááˇáşááážáááŤá)
You should insure your car on its market value. You can seek local car dealers or showrooms to determine the value of your car.
ááąá¸áá˝ááşááąáŤááşááąá¸ááąáŤáşáá°áááşááźáŽá¸ áĄáŹáááśááŹá¸áážááááŻááşááŤáááşá áĄáŹáááśááŹá¸áážááááŻááąáŹ ááŹá¸áááşáááŻáĄáŹá¸ áááážááááŻááŤá ááŹá¸áĄááąáŹááşá¸ááŹáááşááś (áááŻáˇáááŻááş) ááŹá¸áĄááąáŹááşá¸ááźáááşá¸áá˝ááşáááşá¸ ááąá¸ááźááşá¸áááŻááşááŤáááşá
You should contact AYA SOMPO Customer Service â 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.
ááŹá¸ááźáąáŹááşá¸áááŻáˇáĄáá˝ááş Customer Service ááŻááşá¸ááśááŤááş áá ááá ááá á á á áááŻáˇáááşáá˝ááşáááŻááşááŤáááş (áááŻáˇáááŻááş) áááşáááŻááşáᏠáĄááąáŹááşá¸áááşáááşá¸ááťáŹá¸áááŻáˇ áááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááŤáááşá áĄáŹáááśáážááˇáşáááşáááşá ááźááşáááşááźááşá¸/ááźáąáŹááşá¸áá˛ááźááşá¸ ááąáŹááşá¸áááŻáá˝ážáŹ ááᯠááźááˇáşááąá¸ááźáŽá¸ áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááąá¸áááşáááŻáĄááşááŤáááşá ááźááşáĄááşá¸áá˝áą (áááŻáˇáááŻááş) áááşááąáŹááşá¸áááŽááŽááśááᯠáááşááĄáŹáááśááŹá¸áá˝áąáĄáá áşáĄááąáŤáşáá˝ááş ááąáŹááşááśáá˝áŹá¸áááşááźá áşááŤáááşá
You should contact AYA SOMPO Customer Service â 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.
ááąáŤáşáá Ꭰáááşááťááşááźááşá¸ááŻááşáááşá¸á ááşáážááˇáşáááşáááşá Customer Service ááŻááşá¸ááśááŤááş áá ááá ááá á á á áááŻáˇáááşáá˝ááşáááŻááşááŤáááş (áááŻáˇáááŻááş) áááşáááŻááşáᏠáĄááąáŹááşá¸áááşáááşá¸ááťáŹá¸áááŻáˇ áááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááŤáááşá áĄáŹáááśáážááˇáşáááşáááşá ááťááşááááşá¸ááźááşá¸ ááąáŹááşá¸áááŻáá˝ážáŹ ááźááˇáşááąá¸áááşáááŻáĄááşááŤáááşá ááťááşáážáááąááąáŹ áĄáŹáááśáááşáááşá¸ááąáŤáşáá°áááşááźáŽá¸ áááŽááŽááśááᯠááźááşáĄááşá¸ááąá¸áá˝áŹá¸áááşááźá áşááŤáááşá
Understanding Your Insurance Policy Journey
Hospitalization and Death Benefits
ááąá¸ááŻáśáááşáááąá¸ááŻááážáŻááśá áŹá¸áá˝ááˇáşáážááˇáş áĄáááşááąááŻáśá¸áážáŻáĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşááťáŹá¸
Coverage for death benefit and hospital expenses
ááąá¸ááŻáśáááşáááąá¸ááŻáá ááááş áážááˇáş áĄáááşááąááŻáśá¸áážáŻáĄááŹáĄáá˝ááş
Surgical Procedure and Miscarriage
Coverage for surgical expenses and miscarriage
áá˝á˛á áááşááŻááážáŻáážááˇáş áááŻááşáááşááťááşááťááźááşá¸áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşááťáŹá¸
áá˝á˛á
áááşááŻááážáŻáážááˇáş áááŻááşáááşááťááşááťááźááşá¸áĄááŹáĄáá˝ááş
Outpatient Benefit (OPD*)
Coverage for Outpatient Treatments at clinics or hospitals which do not require admission of patient
*OPD â outpatient department
ááąá¸ááŻáśááąá¸áááşá¸ááźáážáŻááśá áŹá¸áá˝ááˇáş
ááąá¸ááŻáśááąá¸áááşá¸ááťáŹá¸á ááźááşááá°ááŹáĄááąááźááˇáş ááąá¸ááŻááážáŻá ááááş áĄááŹáĄáá˝ááş
ADDITIONAL COVERAGE
CRITICAL ILLNESS
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
ááźááşá¸áááşááąáŹááąáŹááŤááŻááážáŻááťáŹá¸
Heart Attack
áážááŻáśá¸áááşááźááşá¸
Stroke (Permanent)
ááąááźááşááźááşá¸
Cancer (Life Threatening)
áááşááŹ
Heart Valve Repair or Replacement
áážááŻáśá¸áĄáááŻáˇáážááşááŻááážáŻ áááŻáˇáááŻááş áĄá áŹá¸áááŻá¸ááźááşá¸
Renal Failure
ááťáąáŹááşáááşááťááşá áŽá¸ááźááşá¸
Coronary Artery Bypass Surgery
áážááŻáśá¸áááşá áá˝áąá¸áá˝ážááşááźáąáŹ áá˝á˛á áááşáážáŻ
Severe Burns
ááźááşá¸áááşááŽá¸ááąáŹááşáááşááŹ
Coma
áŚá¸áážáąáŹááşááąááźááşá¸
Major Organ Transplant
áááŻááşáá˝ááşá¸áĄááşášááŤáĄá áŹá¸áááŻá¸ááźááşá¸
Bacterial Meningitis
áŚá¸áážáąáŹááşáĄááźážáąá¸ááąáŹááş
* áĄáááŻáĄááŹáĄáá˝ááşáá˝ááş áĄáááşááąáŹáşááźá፠ááąáŹá፠ááŻááážáŻááťáŹá¸ ááŤáááşááŤáááşá
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : BENEFITS
Hospitalization and Death Benefits
Coverage for death benefit and hospital expenses
ááąá¸ááŻáśáááşáááąá¸ááŻááážáŻááśá áŹá¸áá˝ááˇáşáážááˇáş áĄáááşááąááŻáśá¸áážáŻáĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşááťáŹá¸
ááąá¸ááŻáśáááşáááąá¸ááŻáá ááááş áážááˇáş áĄáááşááąááŻáśá¸áážáŻáĄááŹáĄáá˝ááş
Surgical Procedure and Miscarriage
Coverage for surgical expenses and miscarriage
áá˝á˛á áááşááŻááážáŻáážááˇáş áááŻááşáááşááťááşááťááźááşá¸áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşááťáŹá¸
áá˝á˛á áááşááŻááážáŻáážááˇáş áááŻááşáááşááťááşááťááźááşá¸áĄááŹáĄáá˝ááş
Outpatient Benefit (OPD*)
Coverage for Outpatient Treatments at clinics or hospitals which do not require admission of patient
*OPD â outpatient department
ááąá¸ááŻáśááąá¸áááşá¸ááźáážáŻááśá áŹá¸áá˝ááˇáş
ááąá¸ááŻáśááąá¸áááşá¸ááťáŹá¸á ááźááşááá°ááŹáĄááąááźááˇáş ááąá¸ááŻááážáŻá ááááş áĄááŹáĄáá˝ááş
ADDITIONAL COVERAGE
CRITICAL ILLNESS
áĄáááŻáĄááŹáĄáá˝ááşááťáŹá¸
ááźááşá¸áááşááąáŹááąáŹááŤááŻááážáŻááťáŹá¸
Heart Attack
áážááŻáśá¸áááşááźááşá¸
Stroke (Permanent)
ááąááźááşááźááşá¸
Cancer (Life Threatening)
áááşááŹ
Heart Valve Repair or Replacement
áážááŻáśá¸áĄáááŻáˇáážááşááŻááážáŻ áááŻáˇáááŻááş áĄá áŹá¸áááŻá¸ááźááşá¸
Renal Failure
ááťáąáŹááşáááşááťááşá áŽá¸ááźááşá¸
Coronary Artery Bypass Surgery
áážááŻáśá¸áááşá áá˝áąá¸áá˝ážááşááźáąáŹ áá˝á˛á áááşáážáŻ
Severe Burns
ááźááşá¸áááşááŽá¸ááąáŹááşáááşááŹ
Coma
áŚá¸áážáąáŹááşááąááźááşá¸
Major Organ Transplant
áááŻááşáá˝ááşá¸áĄááşášááŤáĄá áŹá¸áááŻá¸ááźááşá¸
Bacterial Meningitis
áŚá¸áážáąáŹááşáĄááźážáąá¸ááąáŹááş
* áĄáááŻáĄááŹáĄáá˝ááşáá˝ááş áĄáááşááąáŹáşááźá፠ááąáŹá፠ááŻááážáŻááťáŹá¸ ááŤáááşááŤáááşá
Understanding Your Insurance Policy Journey
Choose from the following 4 types of health plans to suit your needs!
áĄáąáŹááşááąáŹáşááźá፠ááťááşá¸ááŹááąá¸áĄáŹáááś (á) ááťááŻá¸áá˛ááž áááˇáşáĄáá˝ááş áááŻáĄááşááťááşáážááˇáşáĄáááŻááşááŽááŻáśá¸ áĄáŹáááśááᯠáá˝áąá¸ááťááşáááŻááşááŤáááşá
Individual Plan (Figures In MMK)
áá áşáŚá¸ááťááşá¸áĄáŹáááś (áááşáááŻá¸ááťáŹá¸ááᯠááźááşááŹááťááşáá˝áąááźááˇáş ááąáŹáşááźááŹá¸áááş)
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+ |
---|---|---|---|
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) á á,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) á á,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) ááá,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) ááá,ááá |
ááąááŻáśá¸ááźááşá¸ á ,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ á ,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ áá,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ áá,ááá,ááá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) á á,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) á á,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) ááá,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) ááá,ááá áĄáá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááźááşá¸áááşááąáŹá፠(á áážá
áşááž áážá
áş áá áĄáá˝ááşá¸) á ,ááá,ááá |
ááźááşá¸áááşááąáŹá፠(á áážá
áşááž áážá
áş áá áĄáá˝ááşá¸) áá,ááá,ááá |
Corporate Plan (Figures In MMK)
á áŻááąáŤááşá¸áĄáŹáááś (áááşáááŻá¸ááťáŹá¸ááᯠááźááşááŹááťááşáá˝áąááźááˇáş ááąáŹáşááźááŹá¸áááş)
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+ |
---|---|---|---|
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) á á,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) á á,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) ááá,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) ááá,ááá |
ááąááŻáśá¸ááźááşá¸ á ,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ á ,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ áá,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ áá,ááá,ááá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) á á,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) á á,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) ááá,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) ááá,ááá áĄáá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááźááşá¸áááşááąáŹá፠(á áážá
áşááž áážá
áş áá áĄáá˝ááşá¸) á ,ááá,ááá |
ááźááşá¸áááşááąáŹá፠(á áážá
áşááž áážá
áş áá áĄáá˝ááşá¸) áá,ááá,ááá |
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.
áĄáááş á áážá áşááž áá áážá áşáĄáá˝ááşá¸áááşáá°áááᯠááťááşá¸ááŹááąá¸áĄáŹáááśááᯠáááşáá°áááŻááşááŤáááşá áĄáááş á áážá áşááž áá áážá áşáĄáá˝ááşá¸ áĄáŹáááśááŹá¸áá°ááťáŹá¸áĄáá˝ááş ááá áááŻáˇáááŻááş áĄáŻááşááááşá¸áá°ááž áááşáá°ááąá¸áááş áááŻáĄááşááŤáááşá
Medical Checkup is required if purchased unit is above 4 units or insured age is above 50 for Critical Illness Additional Coverage.
á) áá°áá áşáážááˇáşáĄáááş áááşáá°ááŤá (áĄááťáŹá¸ááŻáśá¸áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş = ááźááşááŹááťááş á,ááá,ááá) áááŻáˇáááŻááş áĄáŹáááśááŹá¸áá°áááş áĄáááş á á áážááˇáşáĄáááş ááźá áşááŤá ááťááşá¸ááŹááąá¸ááąá¸á á áşááťááş ááźáŻááŻááşáááş áááŻáĄááşááŤáááşá
Understanding Your Insurance Policy Journey
BENEFITS
NEXT : PRODUCT HIGHLIGHT
Choose from the following 4 types of health plans to suit your needs!
áĄáąáŹááşááąáŹáşááźá፠ááťááşá¸ááŹááąá¸áĄáŹáááś (á) ááťááŻá¸áá˛ááž áááˇáşáĄáá˝ááş áááŻáĄááşááťááşáážááˇáşáĄáááŻááşááŽááŻáśá¸ áĄáŹáááśááᯠáá˝áąá¸ááťááşáááŻááşááŤáááşá
Individual Plan (Figures In MMK)
áá áşáŚá¸ááťááşá¸áĄáŹáááś (áááşáááŻá¸ááťáŹá¸ááᯠááźááşááŹááťááşáá˝áąááźááˇáş ááąáŹáşááźááŹá¸áááş)
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+ |
---|---|---|---|
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) á á,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) á á,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) ááá,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) ááá,ááá |
ááąááŻáśá¸ááźááşá¸ á ,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ á ,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ áá,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ áá,ááá,ááá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) á á,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) á á,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) ááá,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) ááá,ááá áĄáá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááźááşá¸áááşááąáŹá፠(á áážá
áşááž áážá
áş áá áĄáá˝ááşá¸) á ,ááá,ááá |
ááźááşá¸áááşááąáŹá፠(á áážá
áşááž áážá
áş áá áĄáá˝ááşá¸) áá,ááá,ááá |
Corporate Plan (Figures In MMK)
á áŻááąáŤááşá¸áĄáŹáááś (áááşáááŻá¸ááťáŹá¸ááᯠááźááşááŹááťááşáá˝áąááźááˇáş ááąáŹáşááźááŹá¸áááş)
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+ |
---|---|---|---|
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) á á,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) á á,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) ááá,ááá |
ááąáˇá
ááşááąá¸ááŻáśá
ááááş (áĄááťáŹá¸ááŻáśá¸ áááş áá) ááá,ááá |
ááąááŻáśá¸ááźááşá¸ á ,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ á ,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ áá,ááá,ááá |
ááąááŻáśá¸ááźááşá¸ áá,ááá,ááá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) á á,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) á á,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) ááá,ááá áĄáá |
ááąá¸ááŻáś/ááąá¸áááşá¸ááźááźááşá¸ (ááźááşááá°ááŹááŹá) ááá,ááá áĄáá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
áá˝á˛á
áááşááŻááážáŻ á áá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááŹá¸ááťááşááŹá¸ááťážáąáŹ ááá,ááá |
ááźááşá¸áááşááąáŹá፠(á áážá
áşááž áážá
áş áá áĄáá˝ááşá¸) á ,ááá,ááá |
ááźááşá¸áááşááąáŹá፠(á áážá
áşááž áážá
áş áá áĄáá˝ááşá¸) áá,ááá,ááá |
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.
áĄáááş á áážá áşááž áá áážá áşáĄáá˝ááşá¸áááşáá°áááᯠááťááşá¸ááŹááąá¸áĄáŹáááśááᯠáááşáá°áááŻááşááŤáááşá áĄáááş á áážá áşááž áá áážá áşáĄáá˝ááşá¸ áĄáŹáááśááŹá¸áá°ááťáŹá¸áĄáá˝ááş ááá áááŻáˇáááŻááş áĄáŻááşááááşá¸áá°ááž áááşáá°ááąá¸áááş áááŻáĄááşááŤáááşá
Medical Checkup is required if purchased unit is above 4 units or insured age is above 50 for Critical Illness Additional Coverage.
á) áá°áá áşáážááˇáşáĄáááş áááşáá°ááŤá (áĄááťáŹá¸ááŻáśá¸áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş = ááźááşááŹááťááş á,ááá,ááá) áááŻáˇáááŻááş áĄáŹáááśááŹá¸áá°áááş áĄáááş á á áážááˇáşáĄáááş ááźá áşááŤá ááťááşá¸ááŹááąá¸ááąá¸á á áşááťááş ááźáŻááŻááşáááş áááŻáĄááşááŤáááşá
Understanding Your Insurance Policy Journey
Policy Term
Maximum policy term 1 year (Renewable on annual basis)
áĄáŹáááś áááşáááşá¸
áĄááťáŹá¸ááŻáśá¸ áĄáŹáááś áááşáááşá¸áááş áá
áşáážá
áşáĄááááźá
áşááźáŽá¸ áážá
áşá
ááşáááşáááşá¸áááŻá¸áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHT
NEXT : EXCLUSIONS
Policy Term
Maximum policy term 1 year (Renewable on annual basis)
áĄáŹáááś áááşáááşá¸
áĄááťáŹá¸ááŻáśá¸ áĄáŹáááś áááşáááşá¸áááş áá
áşáážá
áşáĄááááźá
áşááźáŽá¸ áážá
áşá
ááşáááşáááşá¸áááŻá¸áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
Pre-existing diseases
áĄáŹáááśáááŹá¸ááŽá áážáááźáŽá¸ááŹá¸ááąáŹááŤ
Hospital visits for medical checkup purpose
áááŻááşáááşááźáąáŹááˇáş á áááşáá ááˇáşáááťáŹá¸ááźá áşá ááŹá¸áá˝áŹá¸ááźááşá¸á áááŻááşáá˝á˛áá˝áąá¸ááźááşá¸áážááˇáş á áááşááąáŹááŤááźáąáŹááˇáş ááąá¸ááŻáśáááşáááźááşá¸
Normal delivery, surgery and hospitalization due to pregnancy, insanity, mental illness
ááťááşá¸ááŹááąá¸ááąá¸á á áşáááş ááąá¸ááŻáśáááşááźááşá¸
Hospitalization and having surgery to procreate
ááŹá¸áááŽá¸ááááŻáážáŻááźááˇáş ááąá¸ááŻáśáááşááźááşá¸áážááˇáş áá˝á˛á áááşááźááşá¸
Illegal abortion and/or induced miscarriage
áááąáŹáşáááááááŻááşáážáŻáážáĄá áá˝áŹá¸áážááˇáşáááşáááşáááˇáş ááŻááážáŻááťáŹá¸
Illegal abortion and/or induced miscarriage
áááąáŹáşáááááááŻááşáážáŻáážáĄá ááťááşááŻáśá¸áážááˇáşáááşáááşáááˇáş ááŻááážáŻááťáŹá¸
Eye treatment except due to accident
áĄáážáĄááááŻááşáᏠáá˝á˛á áááşáážáŻááťáŹá¸ ááŹá¸ááźáŹá¸ááááááŹáááşáá°ááźááşá¸
Cosmetic/plastic surgery
áĄáŹáááśáááŹá¸ááŽá ááźá áşááźáŽá¸ááąáŹ ááášááŹáááŻááşááááşá á˝ááşá¸áážáŻáááŻááşáᏠááąá¸ááŻááážáŻ
Hearing implant
áá°á¸áá áşááąá¸ááŤá¸ ááŻáśá¸á á˝á˛ááźááşá¸
Infirmity
ááŹááááşáážáŻááťá°á¸áá˝ááşááźááşá¸
Drug abuse
ááŻááśáĄáŹá¸ááťáááşá¸áážáŻááąáŹááŤ
Crimes
áĄááźááşá¸áááşá áĄáááááŻááşá¸á á á áşáážááˇáşá á áşáĄáá˝ááşááźá áşáá˝áŹá¸ááźááşá¸áááŻáˇáážááˇáş áááŻááşáááŻááş (áááŻáˇáááŻááş) áá˝ááşáááŻááşá ááźá áşááąáŤáşááŹááąáŹ áááááŻááşáááşááŹááážáŻ
HIV/AIDS
ááťáąáŹáşááźáąá¸áá˝áąááááşáááşááąáŹááşá¸ááśááźááşá¸
Fraudulent requests
áááááááŻááşááᯠáááşááŹáĄááŹááááźá áşáĄáąáŹááş ááźáŻááŻááşááźááşá¸
Vandalizing, protect and war and war-like terrorism
Suicide
áĄáŹáááśáááŹá¸ááŽá áážáááźáŽá¸ááŹá¸ááąáŹááŤ
áááŻááşáááşááźáąáŹááˇáş á áááşáá ááˇáşáááťáŹá¸ááźá áşá ááŹá¸áá˝áŹá¸ááźááşá¸á áááŻááşáá˝á˛áá˝áąá¸ááźááşá¸áážááˇáş á áááşááąáŹááŤááźáąáŹááˇáş ááąá¸ááŻáśáááşáááźááşá¸
ááťááşá¸ááŹááąá¸ááąá¸á á áşáááş ááąá¸ááŻáśáááşááźááşá¸
ááŹá¸áááŽá¸ááááŻáážáŻááźááˇáş ááąá¸ááŻáśáááşááźááşá¸áážááˇáş áá˝á˛á áááşááźááşá¸
áááąáŹáşáááááááŻááşáážáŻáážáĄá áá˝áŹá¸áážááˇáşáááşáááşáááˇáş ááŻááážáŻááťáŹá¸
áááąáŹáşáááááááŻááşáážáŻáážáĄá ááťááşááŻáśá¸áážááˇáşáááşáááşáááˇáş ááŻááážáŻááťáŹá¸
áĄáážáĄááááŻááşáᏠáá˝á˛á áááşáážáŻááťáŹá¸ ááŹá¸ááźáŹá¸ááááááŹáááşáá°ááźááşá¸
áĄáŹáááśáááŹá¸ááŽá ááźá áşááźáŽá¸ááąáŹ ááášááŹáááŻááşááááşá á˝ááşá¸áážáŻáááŻááşáᏠááąá¸ááŻááážáŻ
áá°á¸áá áşááąá¸ááŤá¸ ááŻáśá¸á á˝á˛ááźááşá¸
ááŹááááşáážáŻááťá°á¸áá˝ááşááźááşá¸
ááŻááśáĄáŹá¸ááťáááşá¸áážáŻááąáŹááŤ
áĄááźááşá¸áááşá áĄáááááŻááşá¸á á á áşáážááˇáşá á áşáĄáá˝ááşááźá áşáá˝áŹá¸ááźááşá¸áááŻáˇáážááˇáş áááŻááşáááŻááş (áááŻáˇáááŻááş) áá˝ááşáááŻááşá ááźá áşááąáŤáşááŹááąáŹ áááááŻááşáááşááŹááážáŻ
ááťáąáŹáşááźáąá¸áá˝áąááááşáááşááąáŹááşá¸ááśááźááşá¸
áááááááŻááşááᯠáááşááŹáĄááŹááááźá áşáĄáąáŹááş ááźáŻááŻááşááźááşá¸
Understanding Your Insurance Policy Journey
EXCLUSIONS
NEXT : FAQ
Pre-existing diseases
Pre-existing diseases
Normal delivery, surgery and hospitalization due to pregnancy, insanity, mental illness
Normal delivery, surgery and hospitalization due to pregnancy, insanity, mental illness
Hospital visits for medical checkup purpose
Hospital visits for medical checkup purpose
Hospitalization and having surgery to procreate
Hospitalization and having surgery to procreate
Illegal abortion and/or induced miscarriage
Illegal abortion and/or induced miscarriage
Dental treatment except due to accident
Dental treatment except due to accident
Eye treatment except due to accident
Eye treatment except due to accident
Cosmetic/plastic surgery
Cosmetic/plastic surgery
Hearing implant
Hearing implant
Infirmity
Infirmity
Drug abuse
Drug abuse
Crimes
Crimes
HIV/AIDS
HIV/AIDS
Vandalizing, protect and war and war-like terrorism
Vandalizing, protect and war and war-like terrorism
Fraudulent requests
Fraudulent requests
Suicide
Suicide
áĄáŹáááśáááŹá¸ááŽá áážáááźáŽá¸ááŹá¸ááąáŹááŤ
áááŻááşáááşááźáąáŹááˇáş á áááşáá ááˇáşáááťáŹá¸ááźá áşá ááŹá¸áá˝áŹá¸ááźááşá¸á áááŻááşáá˝á˛áá˝áąá¸ááźááşá¸áážááˇáş á áááşááąáŹááŤááźáąáŹááˇáş ááąá¸ááŻáśáááşáááźááşá¸
ááťááşá¸ááŹááąá¸ááąá¸á á áşáááş ááąá¸ááŻáśáááşááźááşá¸
ááŹá¸áááŽá¸ááááŻáážáŻááźááˇáş ááąá¸ááŻáśáááşááźááşá¸áážááˇáş áá˝á˛á áááşááźááşá¸
áááąáŹáşáááááááŻááşáážáŻáážáĄá áá˝áŹá¸áážááˇáşáááşáááşáááˇáş ááŻááážáŻááťáŹá¸
áááąáŹáşáááááááŻááşáážáŻáážáĄá ááťááşááŻáśá¸áážááˇáşáááşáááşáááˇáş ááŻááážáŻááťáŹá¸
áĄáážáĄááááŻááşáᏠáá˝á˛á áááşáážáŻááťáŹá¸ ááŹá¸ááźáŹá¸ááááááŹáááşáá°ááźááşá¸
áĄáŹáááśáááŹá¸ááŽá ááźá áşááźáŽá¸ááąáŹ ááášááŹáááŻááşááááşá á˝ááşá¸áážáŻáááŻááşáᏠááąá¸ááŻááážáŻ
áá°á¸áá áşááąá¸ááŤá¸ ááŻáśá¸á á˝á˛ááźááşá¸
ááŹááááşáážáŻááťá°á¸áá˝ááşááźááşá¸
ááŻááśáĄáŹá¸ááťáááşá¸áážáŻááąáŹááŤ
áĄááźááşá¸áááşá áĄáááááŻááşá¸á á á áşáážááˇáşá á áşáĄáá˝ááşááźá áşáá˝áŹá¸ááźááşá¸áááŻáˇáážááˇáş áááŻááşáááŻááş (áááŻáˇáááŻááş) áá˝ááşáááŻááşá ááźá áşááąáŤáşááŹááąáŹ áááááŻááşáááşááŹááážáŻ
ááťáąáŹáşááźáąá¸áá˝áąááááşáááşááąáŹááşá¸ááśááźááşá¸
áááááááŻááşááᯠáááşááŹáĄááŹááááźá áşáĄáąáŹááş ááźáŻááŻááşááźááşá¸
Understanding Your Insurance Policy Journey
Yes, please refer to the Policy Exclusions as stated in the Health Product Exclusions.
ááťááşá¸ááŹááąá¸áĄáŹáááśáá˝ááş ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáşáĄááťááşááťáŹá¸ áážáááŤáááşááááŻáĄááťááşááťáŹá¸áĄáŹá¸ ááąáŹáşááźááŹá¸ááźáŽá¸ ááźá áşááŤáááşá
The policyholder has to pay.
áĄáŹáááśááŹá¸áá°ááž áááŻááşáááŻááşááąá¸ááąáŹááşáááŤáááşá
Yes, your application will be assessed based on the health declaration made by you.
áĄáŹáááśááŹá¸áá°ááž áááşááźááŹá¸ááąáŹ áĄáááŻááźáŻáá˝ážáŹáážá ááťááşá¸ááŹááąá¸áĄááťááşáĄáááşááťáŹá¸áĄááąáŤáş áá°áááşá áááŻáĄááşáááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
Yes, please refer to the Policy Exclusions as stated in the Health Product Exclusions.
ááťááşá¸ááŹááąá¸áĄáŹáááśáá˝ááş ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáşáĄááťááşááťáŹá¸ áážáááŤáááşááááŻáĄááťááşááťáŹá¸áĄáŹá¸ ááąáŹáşááźááŹá¸ááźáŽá¸ ááźá áşááŤáááşá
The policyholder has to pay.
áĄáŹáááśááŹá¸áá°ááž áááŻááşáááŻááşááąá¸ááąáŹááşáááŤáááşá
Yes, your application will be assessed based on the health declaration made by you.
áĄáŹáááśááŹá¸áá°ááž áááşááźááŹá¸ááąáŹ áĄáááŻááźáŻáá˝ážáŹáážá ááťááşá¸ááŹááąá¸áĄááťááşáĄáááşááťáŹá¸áĄááąáŤáş áá°áááşá áááŻáĄááşáááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
Fire/Accidental Fire
ááŽá¸ / ááąáŤáˇáááŽá¸
Coverage for total and partial loss or damage caused by fire and accidental fire.
ááŽá¸áážááˇáş ááąáŤáˇáááŽá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áá
áşá
áááşáá
áşáááŻááşá¸ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Explosions Coverage
Coverage for total or partial loss and damage caused by domestic gas explosion.
áĄáááşááŻáśá¸ááŹááşáá˝áąáˇáááŻá áááˇáşááąáŤááşáá˝á˛áážáŻ
áĄáááşááŻáśá¸ááŹááşáá˝áąáˇáááŻá áááˇáşááąáŤááşáá˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áá áşá áááşáá áşáááŻááşá¸ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Lightning Strike
Coverage for total and partial loss or damage caused by lightning.
áááŻá¸ááźááŻá¸áá áşáááŽá¸ááąáŹááşááŻáśá¸áážáŻáśá¸áážáŻ
áááŻá¸ááźááŻá¸áá áşáááŽá¸ááąáŹááşááŻáśá¸áážáŻáśá¸áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áá áşá áááşáá áşáááŻááşá¸ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Contagious Fire
Coverage for total and partial loss or damage caused by contagious fire.
áá°á¸á ááşááŽá¸
áá°á¸á ááşááŽá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áá áşá áááşáá áşáááŻááşá¸ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Aircraft Damage
Coverage for loss or damage and fire caused by aircraft and other aerial devices
ááąááŹááşááźáąáŹááˇáş áááááŻááşááťááşá
áŽá¸ááźááşá¸
ááąááŹááşáážááˇáşáááşá
ááşáá
ášá
ááşá¸ááťáŹá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Impact Damage
Coverage for loss or damage caused to property from the impact of vehicles (excluding own vehicle)
ááŻááşá¸áááşá¸áá˝áŹá¸ááŹááşááźáąáŹááˇáş áááááŻááşááťááşá
áŽá¸ááźááşá¸
ááŻááşá¸áááşá¸áá˝áŹá¸ááŹááşááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Subsidence and Landslide
Coverage for loss or damage caused by subsidence and/or heave of the site on which the building/s stand
ááźáąááťá˝áśá ááźáąááźááŻááźááşá¸
ááźáąááťá˝áśá ááźáąááźááŻááźááşá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Storm, Tempest
Coverage for loss or damage and fire caused by Hurricane, Cyclone, Typhoon and Windstorm
ááąááŻááşáááŻááşá¸áĄááťááŻá¸ááťááŻá¸
ááąááŻááşáááŻááşá¸áĄááťáá°á¸ááťááŻá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Explosion
Coverage for loss or damage and fire caused by an explosion
ááąáŤááşáá˝á˛ááťááşá
áŽá¸ááźááşá¸
ááąáŤááşáá˝á˛ááťááşá
áŽá¸ááźááşá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Burglary
Coverage for loss or damage caused by theft following forcible and violent entry
ááąáŹááşáá˝ááşá¸áááŻá¸áá°ááźááşá¸
ááťááŻá¸ááťááşáááşááąáŹááşá ááąáŹááşáá˝ááşá¸áááŻá¸áá°ááźááşá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Earthquake and Volcanic Eruption
Coverage for loss or damage caused by fire following earthquake and volcanic eruptions
ááźáąáááťááşáážááˇáş ááŽá¸ááąáŹááşááąáŤááşáá˝á˛áážáŻ
ááźáąáááťááşáážááˇáş ááŽá¸ááąáŹááşááąáŤááşáá˝á˛áážáŻááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Flood and Inundation
Coverage for loss or damage caused by fire following flood and inundation
ááąááźáŽá¸ááźááşá¸á ááąááťážáśááźááşá¸
ááąááźáŽá¸ááźááşá¸á ááąááťážáśááźááşá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Spontaneous Combustion
Coverage for loss or damage to the property insured by fire only caused by its own spontaneous fermentation, heating, or combustion
áĄáááŻáĄááťáąáŹááşááŽá¸á
á˝á˛ááąáŹááşáážáŻ
áĄáááŻáĄááťáąáŹááşááŹááşááźáŻá áĄáá°áá°á¸áááŽá¸á
á˝á˛ááąáŹááşáážáŻááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
* Additional benefits are applicable with additional or extra premium charges.
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : BENEFITS
Fire/Accidental Fire
Coverage for total and partial loss or damage caused by fire and accidental fire.
ááŽá¸ / ááąáŤáˇáááŽá¸
ááŽá¸áážááˇáş ááąáŤáˇáááŽá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áá áşá áááşáá áşáááŻááşá¸ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Explosions Coverage
Coverage for total or partial loss and damage caused by domestic gas explosion.
áĄáááşááŻáśá¸ááŹááşáá˝áąáˇáááŻá áááˇáşááąáŤááşáá˝á˛áážáŻ
áĄáááşááŻáśá¸ááŹááşáá˝áąáˇáááŻá áááˇáşááąáŤááşáá˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áá áşá áááşáá áşáááŻááşá¸ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Lightning Strike
Coverage for total and partial loss or damage caused by lightning.
áááŻá¸ááźááŻá¸áá áşáááŽá¸ááąáŹááşááŻáśá¸áážáŻáśá¸áážáŻ
áááŻá¸ááźááŻá¸áá áşáááŽá¸ááąáŹááşááŻáśá¸áážáŻáśá¸áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áá áşá áááşáá áşáááŻááşá¸ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Contagious Fire
Coverage for total and partial loss or damage caused by contagious fire.
áá°á¸á ááşááŽá¸
áá°á¸á ááşááŽá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áá áşá áááşáá áşáááŻááşá¸ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
ADDITIONAL COVERAGE
áĄáááŻáĄááŹáĄáá˝ááşááťáŹá¸
Aircraft Damage
Coverage for loss or damage and fire caused by aircraft and other aerial devices
ááąááŹááşááźáąáŹááˇáş áááááŻááşááťááşá
áŽá¸ááźááşá¸
ááąááŹááşáážááˇáşáááşá
ááşáá
ášá
ááşá¸ááťáŹá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Impact Damage
Coverage for loss or damage caused to property from the impact of vehicles (excluding own vehicle)
ááŻááşá¸áááşá¸áá˝áŹá¸ááŹááşááźáąáŹááˇáş áááááŻááşááťááşá
áŽá¸ááźááşá¸
ááŻááşá¸áááşá¸áá˝áŹá¸ááŹááşááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Subsidence and Landslide
Coverage for loss or damage caused by subsidence and/or heave of the site on which the building/s stand
ááźáąááťá˝áśá ááźáąááźááŻááźááşá¸
ááźáąááťá˝áśá ááźáąááźááŻááźááşá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Storm, Tempest
Coverage for loss or damage and fire caused by Hurricane, Cyclone, Typhoon and Windstorm
ááąááŻááşáááŻááşá¸áĄááťááŻá¸ááťááŻá¸
ááąááŻááşáááŻááşá¸áĄááťáá°á¸ááťááŻá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Explosion
Coverage for loss or damage and fire caused by an explosion
ááąáŤááşáá˝á˛ááťááşá
áŽá¸ááźááşá¸
ááąáŤááşáá˝á˛ááťááşá
áŽá¸ááźááşá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Burglary
Coverage for loss or damage caused by theft following forcible and violent entry
ááąáŹááşáá˝ááşá¸áááŻá¸áá°ááźááşá¸
ááťááŻá¸ááťááşáááşááąáŹááşá ááąáŹááşáá˝ááşá¸áááŻá¸áá°ááźááşá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Earthquake and Volcanic Eruption
Coverage for loss or damage caused by fire following earthquake and volcanic eruptions
ááźáąáááťááşáážááˇáş ááŽá¸ááąáŹááşááąáŤááşáá˝á˛áážáŻ
ááźáąáááťááşáážááˇáş ááŽá¸ááąáŹááşááąáŤááşáá˝á˛áážáŻááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Flood and Inundation
Coverage for loss or damage caused by fire following flood and inundation
ááąááźáŽá¸ááźááşá¸á ááąááťážáśááźááşá¸
ááąááźáŽá¸ááźááşá¸á ááąááťážáśááźááşá¸ááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Spontaneous Combustion
Coverage for loss or damage to the property insured by fire only caused by its own spontaneous fermentation, heating, or combustion
áĄáááŻáĄááťáąáŹááşááŽá¸á
á˝á˛ááąáŹááşáážáŻ
áĄáááŻáĄááťáąáŹááşááŹááşááźáŻá áĄáá°áá°á¸áááŽá¸á
á˝á˛ááąáŹááşáážáŻááźáąáŹááˇáş ááźá
áşááąáŤáşááąáŹ ááŻáśá¸áážáŻáśá¸áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
* Additional benefits are applicable with additional or extra premium charges.
Understanding Your Insurance Policy Journey
No Claim Bonus (NCB)
No Claim Bonus of up to 25% of the total premium will be offered based on less premium amount
ááťáąáŹáşááźáąá¸áá˛áˇááŻ
ááťáąáŹáşááźáąá¸áá˛áˇááŻáĄááąááźááˇáş áá°ááĄáŹáááśááźáąá¸á áá % áĄáá ááťážáąáŹáˇááąá¸ááŤáááşá
24-Hour Emergency Claim Service
Contact for services from our 24/7 support team in the event of any arising emergency and/or claim
áá ááŹáᎠáĄááąá¸ááąáŤáş ááťáąáŹáşááźáąá¸áááşááąáŹááşáážáŻ
ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááŻááŤá ááťá˝ááşáŻááşáááŻáˇá áá ááŹáᎠáĄááąá¸ááąáŤáş áááşááąáŹááşáážáŻáĄáá˝á˛áˇááᯠáááşáá˝ááşáááŻááşááŤá
Understanding Your Insurance Policy Journey
BENEFITS
NEXT : ELIGIBILITY
No Claim Bonus (NCB)
No Claim Bonus of up to 25% of the total premium will be offered based on less premium amount
ááťáąáŹáşááźáąá¸áá˛áˇááŻ
ááťáąáŹáşááźáąá¸áá˛áˇááŻáĄááąááźááˇáş áá°ááĄáŹáááśááźáąá¸á áá % áĄáá ááťážáąáŹáˇááąá¸ááŤáááşá
24-Hour Emergency Claim Service
Contact for services from our 24/7 support team in the event of any arising emergency and/or claim
áá ááŹáᎠáĄááąá¸ááąáŤáş ááťáąáŹáşááźáąá¸áááşááąáŹááşáážáŻ
ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááŻááŤá ááťá˝ááşáŻááşáááŻáˇá áá ááŹáᎠáĄááąá¸ááąáŤáş áááşááąáŹááşáážáŻáĄáá˝á˛áˇááᯠáááşáá˝ááşáááŻááşááŤá
Understanding Your Insurance Policy Journey
Any person who has insurable interest (i.e., who owns a property or who has a legal obligation over safety of a property).
áĄáŹáááśááŹá¸áááŻááşáááˇáş áĄááťááŻá¸á áŽá¸áá˝áŹá¸ (Insurable Interest) áážááááˇáş áááşáá°áááᯠ(áááŻáááŻáááşáážáŹ áá ášá ááşá¸ áááŻááşáááŻááşáážáŻáážááá° áááŻáˇáááŻááş áááŻáá ášá ááşá¸á ááŻáśááźáŻáśáážáŻáĄáá˝ááş áááŹá¸áááşááŹáááşáážááá°)
For coverage of all items in the premises, see below:
áĄáąáŹááşáá˝ááş ááąáŹáşááźááŹá¸ááąáŹ áááááş áĄáá˝ááşá¸áážá áá ášá ááşá¸ááťáŹá¸áĄáŹá¸ááŻáśá¸á
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : PRODUCT HIGHLIGHTS
Any person who has insurable interest (i.e., who owns a property or who has a legal obligation over safety of a property).
áĄáŹáááśááŹá¸áááŻááşáááˇáş áĄááťááŻá¸á áŽá¸áá˝áŹá¸ (Insurable Interest) áážááááˇáş áááşáá°áááᯠ(áááŻáááŻáááşáážáŹ áá ášá ááşá¸ áááŻááşáááŻááşáážáŻáážááá° áááŻáˇáááŻááş áááŻáá ášá ááşá¸á ááŻáśááźáŻáśáážáŻáĄáá˝ááş áááŹá¸áááşááŹáááşáážááá°)
For coverage of all items in the premises, see below: áĄáąáŹááşáá˝ááş ááąáŹáşááźááŹá¸ááąáŹ áááááş áĄáá˝ááşá¸áážá áá ášá ááşá¸ááťáŹá¸áĄáŹá¸ááŻáśá¸á
Understanding Your Insurance Policy Journey
Premium Rating
0.13% to 3.5% on sum insured (Property Value)
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
á
áŻá
áŻááąáŤááşá¸ áĄáŹáááśáááşáááŻá¸ (áááŻááşáááŻááşáážáŻáá
ášá
ááşá¸áááşáááŻá¸) á á.áá % ááž á.á
%áĄáá˝ááşá¸
Subject to:
áĄáąáŹááşááŤáááŻáˇááᯠáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŤáááşá
Policy Term
áĄáŹáááś áááşáááşá¸
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHTS
NEXT : FAQ
Premium Rating
0.13% to 3.5% on sum insured (Property Value)
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
á
áŻá
áŻááąáŤááşá¸ áĄáŹáááśáááşáááŻá¸ (áááŻááşáááŻááşáážáŻáá
ášá
ááşá¸áááşáááŻá¸) á á.áá % ááž á.á
%áĄáá˝ááşá¸
Subject to:
áĄáąáŹááşááŤáááŻáˇááᯠáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŤáááşá
Policy Term
áĄáŹáááś áááşáááşá¸
Understanding Your Insurance Policy Journey
Based on the buildingâs 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.
áĄáŹáááśááŹá¸áááşáˇ áĄááąáŹááşáĄáŚá¸ááĄáááşá¸áĄá áŹá¸á áĄááŻáśá¸ááźáŻááŻáśáážááˇáş ááąá¸áááşáááşá¸ááťááşáĄááąáŤáş áá°áááşá áááŽááŽááśáážáŻááşá¸ á.áá% ááž á.á á% áĄáá˝ááşá¸ ááťáááˇáşáááŻááşááŤáááşá áĄáŹáááśááŹá¸áááˇáş áĄááąáŹááşáĄáŚá¸ááᯠááťááşááźááşá á áşááąá¸ááźáŽá¸ áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸ááᯠáĄáááĄááť áá˝ááşááťááşááąá¸ááŤáááşá áĄáŹáááśááźáąá¸ááᯠáá áşááąáŤááşá¸áááşá¸ ááąá¸áá˝ááşá¸áááŤáááşá
You should contact AYA SOMPO Customer Service â 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.
áĄááźáąáŹááşá¸áĄáᲠááźáŻááŻááşáááŻááŤá Customer Service ááŻááşá¸ááśááŤááş 09 777 100 555 áááŻááźá áşá áą áááşáááŻááşááŹáĄááąáŹááşá¸áááşáááşá¸áááŻááźá áşá áą áááşáá˝ááşáááŻááşááŤáááşá endorsement ááąáŹááşááᯠááźááˇáşá á˝ááşá áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠáááşááźááŤá ááźáŻááŻááşáááŻááąáŹ áĄááźáąáŹááşá¸áĄáá˛áĄááąáŤáş áá°áááşá ááźááşáĄááşá¸áá˝áą áááŻáˇáááŻááş áááşááąáŹááşá¸áĄáŹáááśááźáąá¸ ááąá¸áá˝ááşá¸ááźááşá¸ áážááááŻááşááŤáááşá
áá ááŽá¸ááąáŹááşá ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áááŻá¸ááźááŻá¸áá
áşá ááŽá¸ááąáŹááşááŻáśá¸áážáŻáśá¸áážáŻ
áá áááąáŹáşááááŽá¸
áá áĄáááşááŻáśá¸ááŹááşáá˝áąáˇáááŻá
áááˇáşááąáŤááşáá˝á˛áážáŻááźáąáŹááˇáş ááŽá¸ááąáŹááşááŻáśá¸áážáŻáśá¸áážáŻáááŻáˇ ááŤáááşááŤáááşá
áá ááąááŹááşááźáąáŹááˇáş áááááŻááşááťááşá
áŽá¸ááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááŻááşá¸áááşá¸áá˝áŹá¸ááŹááşááźáąáŹááˇáş áááááŻááşááťááşá
áŽá¸ááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááźáąááťá˝áśá ááźáąááźááŻááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááźáąáááťááşáážááˇáş ááŽá¸ááąáŹááşááąáŤááşáá˝á˛áážáŻ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
á
á ááąáŤááşáá˝á˛ááťááşá
áŽá¸ááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá áĄáááŻáĄááťáąáŹááşááŽá¸á
á˝á˛ááąáŹááşáážáŻ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááąááŻááşáááŻááşá¸áĄááťááŻá¸ááťááŻá¸ (áááŻááşáá˝ááşá¸á ááŹááŽááááşá¸ á
áááźááˇáş) (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá - á.áá
%)
áá ááąááźáŽá¸ááźááşá¸á ááąááťážáśááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááąáŹááşáá˝ááşá¸áááŻá¸áá°ááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá
% - á.áá
%)
You should contact AYA SOMPO Customer Service â 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.
áĄááźáąáŹááşá¸áĄáᲠááźáŻááŻááşáááŻááŤá Customer Service ááŻááşá¸ááśááŤááş 09 777 100 555 áááŻááźá áşá áą áááşáááŻááşááŹáĄááąáŹááşá¸áááşáááşá¸áááŻááźá áşá áą áááşáá˝ááşáááŻááşááŤáááşá cancellation ááąáŹááşááᯠááźááˇáşá á˝ááşááŤá ááťááşáážáááąáŹ áĄáŹáááśáááşáááşá¸áĄáááŻááş ááŻáášáááŽááž áĄáŹáááśááźáąá¸ ááźááşáĄááşá¸áááş ááźá áşááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
Based on the buildingâs 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.
áĄáŹáááśááŹá¸áááşáˇ áĄááąáŹááşáĄáŚá¸ááĄáááşá¸áĄá áŹá¸á áĄááŻáśá¸ááźáŻááŻáśáážááˇáş ááąá¸áááşáááşá¸ááťááşáĄááąáŤáş áá°áááşá áááŽááŽááśáážáŻááşá¸ á.áá% ááž á.á á% áĄáá˝ááşá¸ ááťáááˇáşáááŻááşááŤáááşá áĄáŹáááśááŹá¸áááˇáş áĄááąáŹááşáĄáŚá¸ááᯠááťááşááźááşá á áşááąá¸ááźáŽá¸ áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸ááᯠáĄáááĄááť áá˝ááşááťááşááąá¸ááŤáááşá áĄáŹáááśááźáąá¸ááᯠáá áşááąáŤááşá¸áááşá¸ ááąá¸áá˝ááşá¸áááŤáááşá
You should contact AYA SOMPO Customer Service â 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.
áĄááźáąáŹááşá¸áĄáᲠááźáŻááŻááşáááŻááŤá Customer Service ááŻááşá¸ááśááŤááş 09 777 100 555 áááŻááźá áşá áą áááşáááŻááşááŹáĄááąáŹááşá¸áááşáááşá¸áááŻááźá áşá áą áááşáá˝ááşáááŻááşááŤáááşá endorsement ááąáŹááşááᯠááźááˇáşá á˝ááşá áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠáááşááźááŤá ááźáŻááŻááşáááŻááąáŹ áĄááźáąáŹááşá¸áĄáá˛áĄááąáŤáş áá°áááşá ááźááşáĄááşá¸áá˝áą áááŻáˇáááŻááş áááşááąáŹááşá¸áĄáŹáááśááźáąá¸ ááąá¸áá˝ááşá¸ááźááşá¸ áážááááŻááşááŤáááşá
áá ááŽá¸ááąáŹááşá ááťááşá
áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáážááˇáş áááŻá¸ááźááŻá¸áá
áşá ááŽá¸ááąáŹááşááŻáśá¸áážáŻáśá¸áážáŻ
áááááąáŹáşááááŽá¸
áá áĄáááşááŻáśá¸ááŹááşáá˝áąáˇáááŻá
áááˇáşááąáŤááşáá˝á˛áážáŻááźáąáŹááˇáş ááŽá¸ááąáŹááşááŻáśá¸áážáŻáśá¸áážáŻáááŻáˇ ááŤáááşááŤáááşá
áá ááąááŹááşááźáąáŹááˇáş áááááŻááşááťááşá
áŽá¸ááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááŻááşá¸áááşá¸áá˝áŹá¸ááŹááşááźáąáŹááˇáş áááááŻááşááťááşá
áŽá¸ááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááźáąááťá˝áśá ááźáąááźááŻááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááźáąáááťááşáážááˇáş ááŽá¸ááąáŹááşááąáŤááşáá˝á˛áážáŻ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
á
á ááąáŤááşáá˝á˛ááťááşá
áŽá¸ááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá áĄáááŻáĄááťáąáŹááşááŽá¸á
á˝á˛ááąáŹááşáážáŻ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááąááŻááşáááŻááşá¸áĄááťááŻá¸ááťááŻá¸ (áááŻááşáá˝ááşá¸á ááŹááŽááááşá¸ á
áááźááˇáş) (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá - á.áá
%)
áá ááąááźáŽá¸ááźááşá¸á ááąááťážáśááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá %)
áá ááąáŹááşáá˝ááşá¸áááŻá¸áá°ááźááşá¸ (áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á.áá
% - á.áá
%)
You should contact AYA SOMPO Customer Service â 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.
áĄááźáąáŹááşá¸áĄáᲠááźáŻááŻááşáááŻááŤá Customer Service ááŻááşá¸ááśááŤááş 09 777 100 555 áááŻááźá áşá áą áááşáááŻááşááŹáĄááąáŹááşá¸áááşáááşá¸áááŻááźá áşá áą áááşáá˝ááşáááŻááşááŤáááşá cancellation ááąáŹááşááᯠááźááˇáşá á˝ááşááŤá ááťááşáážáááąáŹ áĄáŹáááśáááşáááşá¸áĄáááŻááş ááŻáášáááŽááž áĄáŹáááśááźáąá¸ ááźááşáĄááşá¸áááş ááźá áşááŤáááşá
Understanding Your Insurance Policy Journey
Death due to accident
Total sum insured* amount of MMK 500,000 to MMK 20,000,000 will be paid as lump sum to the beneficiary
áááąáŹáşáááááááŻááşáážáŻááźáąáŹááˇáşááąááŻáśá¸ááźááşá¸
áĄáŹáááśááŹá¸áá˝áą* áĄáááŻááşá¸ ( á áá,ááá ááž áá,ááá,ááá ááťááş) ááážááááˇáş áá˝áąáááŹáááᯠáá áşááŻáśá¸áááşá¸ áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşáážááá°áážááážáááŤáááşá
Permanent Disability
Total sum insured amount will be paid as lump sum to the beneficiary
ááŹáá ááşááááşá á˝ááşá¸ááźá áşááźááşá¸
áĄáŹáááśááŹá¸áá˝áąáĄáááŻááşá¸ááážááááˇáş áá˝áąáááŹáááᯠáá
áşááŻáśá¸áááşá¸áĄááťááŻá¸ááśá
áŹá¸áá˝ááˇáşáážááá°ááž ááážáááŤáááşá
Injury / Loss of Limbs
The benefits calculation depends on Doctorâs Recommendation
áááááŻááşáááşááŹááážáááźááşá¸ / áááŻááşáĄááşášááŤááŻáśá¸áážáŻáśá¸ááźááşá¸
áááŹáááşáááąáŹááşááśááťááşáĄááąáŤáş áĄááźáąááśá áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşáážáŻááşá¸ááŹá¸ááᯠáá˝ááşááťááşááŤáááşá
Hospitalization / Not able to work
3% of amount of total coverage per week up to maximum 15% of sum insured
áááááŻááşáááşááŹááážáŻááźáąáŹááˇáş ááąá¸ááŻáśáááşáááźááşá¸ / áĄááŻááşáááŻááşáááŻááşááźááşá¸
áááşááášááááşááťážááş áĄáŹáááśááŹá¸áá˝áąá á% ááźááˇáş áĄááťáŹá¸ááŻáśá¸ áĄáŹáááśááŹá¸áá˝áąá áá % áĄáá áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş ááážáááŤáááşá
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : ELIGIBILITY
Death due to accident
Total sum insured* amount of MMK 500,000 to MMK 20,000,000 will be paid as lump sum to the beneficiary
áááąáŹáşáááááááŻááşáážáŻááźáąáŹááˇáşááąááŻáśá¸ááźááşá¸
áĄáŹáááśááŹá¸áá˝áą* áĄáááŻááşá¸ ( á áá,ááá ááž áá,ááá,ááá ááťááş) ááážááááˇáş áá˝áąáááŹáááᯠáá áşááŻáśá¸áááşá¸ áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşáážááá°áážááážáááŤáááşá
Permanent Disability
Total sum insured amount will be paid as lump sum to the beneficiary
ááŹáá ááşááááşá á˝ááşá¸ááźá áşááźááşá¸
áĄáŹáááśááŹá¸áá˝áąáĄáááŻááşá¸ááážááááˇáş áá˝áąáááŹáááᯠáá áşááŻáśá¸áááşá¸áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşáážááá°ááž ááážáááŤáááşá
Injury / Loss of Limbs
The benefits calculation depends on Doctorâs Recommendation
áááááŻááşáááşááŹááážáááźááşá¸ / áááŻááşáĄááşášááŤááŻáśá¸áážáŻáśá¸ááźááşá¸
áááŹáááşáááąáŹááşááśááťááşáĄááąáŤáş áĄááźáąááśá áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşáážáŻááşá¸ááŹá¸ááᯠáá˝ááşááťááşááŤáááşá
Hospitalization / Not able to work
3% of amount of total coverage per week up to maximum 15% of sum insured
áááááŻááşáááşááŹááážáŻááźáąáŹááˇáş ááąá¸ááŻáśáááşáááźááşá¸ / áĄááŻááşáááŻááşáááŻááşááźááşá¸
áááşááášááááşááťážááş áĄáŹáááśááŹá¸áá˝áąá á% ááźááˇáş áĄááťáŹá¸ááŻáśá¸ áĄáŹáááśááŹá¸áá˝áąá áá % áĄáá áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş ááážáááŤáááşá
Sum Insured* = Total Coverage Amount
áĄáŹáááśááŹá¸áá˝áą*= áĄááťáŹá¸ááŻáśá¸ áĄááŹáĄáá˝ááşááááŻááşáááˇáş áááŹá
Understanding Your Insurance Policy Journey
Anyone who is the age between 16 to 65 years old can take coverage for this policy
áĄáááş áá áážá áşááž áá áážá áş áĄáá˝ááşá¸áážáááťááşá¸ááŹááąá¸ááąáŹááşá¸áá˝ááşáá°áááŻááşá¸ áĄáŹáááśááŹá¸áážááááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : PRODUCT HIGHLIGHTS
Anyone who is the age between 16 to 65 years old can take coverage for this policy
áĄáááş áá áážá áşááž áá áážá áş áĄáá˝ááşá¸áážáááťááşá¸ááŹááąá¸ááąáŹááşá¸áá˝ááşáá°áááŻááşá¸ áĄáŹáááśááŹá¸áážááááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
Premium Rating
Approximately 1% on sum insured
Subject to:
Nature of Occupation
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á % áááˇáşááźááˇáş áĄáąáŹááşááŤáááŻáˇááᯠáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŤáááşá
Policy Term áĄáŹáááśáááşáááşá¸
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHTS
NEXT : EXCLUSION
Premium Rating
Approximately 1% on sum insured
Subject to:
Nature of Occupation
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
áĄáŹáááśááŹá¸áá˝áąá
áŻá
áŻááąáŤááşá¸á á % áááˇáşááźááˇáş áĄáąáŹááşááŤáááŻáˇááᯠáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŤáááşá
Policy Term
áĄáŹáááśáááşáááşá¸
Understanding Your Insurance Policy Journey
Intentionally self-inflicted injury
ááźááŻáááşááźáśáá˝ááşááťááşááźááˇáş áááááááŻááşááᯠáááááŻááşáááşáᏠáĄááŹááááźá áşá áąááźááşá¸
Death, permanent disability, injury due to intoxicating drugs
áá°á¸áá áşá áąááąáŹ ááąá¸ááŤá¸ááŻáśá¸á á˝á˛ááźááşá¸ááźáąáŹááˇáş áááşááŹáĄááŹáá ááźá áşááźááşá¸á ááááşá á˝ááşá¸ááźá áşááźááşá¸áážááˇáş ááąááŻáśá¸ááźááşá¸
Permanent disability, death due to disease
ááąáŹááŤááźáąáŹááˇáş ááááşá á˝ááşá¸ááźá áşááźááşá¸áážááˇáş ááąááŻáśá¸ááźááşá¸
Protest, War risk, War like terrorism
ááášáááźááźááşá¸á á á áşááźá áşáá˝áŹá¸ááźááşá¸á á á áşáĄáá˝ááşáááŻááşáááŻááşááźááşá¸
Strike, Riot and Civil Commotion, Civil Unrest, Military or usurped power.
áááááşá áĄáááááŻááşá¸áážááˇáş áá°ááŻáĄáŻáśááźá˝ááźááşá¸ á áá°ááŻááşáááźááşá¸ á á á áşáážááˇáşá á áşáĄáá˝ááşááźá áşáááşááťáŹá¸ááźáąáŹááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
EXCLUSIONS
NEXT : FAQ
Intentionally self-inflicted injury
ááźááŻáááşááźáśáá˝ááşááťááşááźááˇáş áááááááŻááşááᯠáááááŻááşáááşáᏠáĄááŹááááźá áşá áąááźááşá¸
Death, permanent disability, injury due to intoxicating drugs
áá°á¸áá áşá áąááąáŹ ááąá¸ááŤá¸ááŻáśá¸á á˝á˛ááźááşá¸ááźáąáŹááˇáş áááşááŹáĄááŹáá ááźá áşááźááşá¸á ááááşá á˝ááşá¸ááźá áşááźááşá¸áážááˇáş ááąááŻáśá¸ááźááşá¸
Permanent disability, death due to disease
ááąáŹááŤááźáąáŹááˇáş ááááşá á˝ááşá¸ááźá áşááźááşá¸áážááˇáş ááąááŻáśá¸ááźááşá¸
Protest, War risk, War like terrorism
ááášáááźááźááşá¸á á á áşááźá áşáá˝áŹá¸ááźááşá¸á á á áşáĄáá˝ááşáááŻááşáááŻááşááźááşá¸
Strike, Riot and Civil Commotion, Civil Unrest, Military or usurped power.
áááááşá áĄáááááŻááşá¸áážááˇáş áá°ááŻáĄáŻáśááźá˝ááźááşá¸ á áá°ááŻááşáááźááşá¸ á á á áşáážááˇáşá á áşáĄáá˝ááşááźá áşáááşááťáŹá¸ááźáąáŹááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
áá á
áŻá
áŻááąáŤááşá¸áĄáŹáááśááŹá¸áá˝áą
áá áĄááŻááşáĄáááŻááşáĄááťááŻá¸áĄá
áŹá¸
áá áĄáŹáááśá
áŹááťáŻááşáááşáááşá¸áĄááąáŤáş áá°áááşá áááşáážááşááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
áá á
áŻá
áŻááąáŤááşá¸áĄáŹáááśááŹá¸áá˝áą
áá áĄááŻááşáĄáááŻááşáĄááťááŻá¸áĄá
áŹá¸
áá áĄáŹáááśá
áŹááťáŻááşáááşáááşá¸áĄááąáŤáş áá°áááşá áááşáážááşááŤáááşá
Understanding Your Insurance Policy Journey
Accidental Death
Coverage for Accidental Death up to MMK 10,000,000
áááąáŹáşááááąááŻáśá¸ááźááşá¸
áĄááťáŹá¸ááŻáśá¸ áá,ááá,ááá ááťááşáĄáá áĄááŹáĄáá˝ááşááąá¸ááŹá¸ááŤáááşá
Medical, Hospital & Other Expenses
Coverage for medical, hospital and other expenses up to MMK 10,000,000
ááąá¸ááŻáá ááááşá ááąá¸ááŻáśá ááááşáážááˇáş áĄááźáŹá¸ááŻááşááťá ááááşááťáŹá¸
áá,ááá,ááá ááťááş áĄáá áááááŻááşáááşááŹááážááážáŻááąáŤáş áá°áááşá ááąá¸ááťáąáŹáşááŤáááşá
Personal Liability
Indemnify up to MMK 100,000,000 for legal liability to third party due to your negligence
ááŻáášáááŻááşááąá¸ ááŹáááşáážááážáŻ
áĄááťáŹá¸ááŻáśá¸ ááá,ááá,ááá ááťááşáĄáá ááąá¸ááťáąáŹáşááŤáááşá (áĄáŹáááśááŹá¸áá°á áááááá°áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ áá áşááŤá¸áá°áááááŻááşáá áşááŹáážáŻáĄáá˝ááş ááąá¸ááťáąáŹáşááŤáááş)
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Child Education Fund
Payable to the surviving children for their education fund in the event of accidental death of Insured Person
áááąá¸áááŹááąá¸ááąáŹááşááśáˇáá˝áą
áĄáŹáááśááŹá¸áážááá° áááąáŹáşááááąááŻáśá¸áážáŻ ááźá áşáá˛áˇááťážááş áĄáááşáážááşááťááşáážáááąáŹ áááąá¸ááťáŹá¸á áááŹááąá¸áĄáá˝ááşááąáŹááşááśáˇááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : ELIGIBILITY
Accidental Death
Coverage for Accidental Death up to MMK 10,000,000
áááąáŹáşááááąááŻáśá¸ááźááşá¸
áĄááťáŹá¸ááŻáśá¸ áá,ááá,ááá ááťááşáĄáá áĄááŹáĄáá˝ááşááąá¸ááŹá¸ááŤáááşá
Medical, Hospital & Other Expenses
Coverage for medical, hospital and other expenses up to MMK 10,000,000
ááąá¸ááŻáá ááááşá ááąá¸ááŻáśá ááááşáážááˇáş áĄááźáŹá¸ááŻááşááťá ááááşááťáŹá¸
áá,ááá,ááá ááťááş áĄáá áááááŻááşáááşááŹááážááážáŻááąáŤáş áá°áááşá ááąá¸ááťáąáŹáşááŤáááşá
Personal Liability
Indemnify up to MMK 100,000,000 for legal liability to third party due to your negligence
ááŻáášáááŻááşááąá¸ ááŹáááşáážááážáŻ
áĄááťáŹá¸ááŻáśá¸ ááá,ááá,ááá ááťááşáĄáá ááąá¸ááťáąáŹáşááŤáááşá (áĄáŹáááśááŹá¸áá°á áááááá°áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ áá áşááŤá¸áá°áááááŻááşáá áşááŹáážáŻáĄáá˝ááş ááąá¸ááťáąáŹáşááŤáááş)
ADDITIONAL COVERAGE
áĄáááŻáĄááŹáĄáá˝ááşááťáŹá¸
Child Education Fund
Payable to the surviving children for their education fund in the event of accidental death of Insured Person
áááąá¸áááŹááąá¸ááąáŹááşááśáˇáá˝áą
áĄáŹáááśááŹá¸áážááá° áááąáŹáşááááąááŻáśá¸áážáŻ ááźá áşáá˛áˇááťážááş áĄáááşáážááşááťááşáážáááąáŹ áááąá¸ááťáŹá¸á áááŹááąá¸áĄáá˝ááşááąáŹááşááśáˇááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
Adult
Aged below 70 years old and must be a Myanmar citizen, Myanmar Permanent Resident, or otherwise legally employed in Myanmar and/or their Spouse and Children.
áá°ááźáŽá¸
áĄáááş (áá) áĄáąáŹááş áá°ááźáŽá¸ááťáŹá¸ááźááşááŹáááŻááşááśááŹá¸ ááźá
áşáá°á ááźááşááŹáááŻááşááśá áááŹá¸áááşááąáááŻááşáá˝ááˇáş ááážááá° (áááŻáˇ) áááŹá¸áááşáĄááŻááşááŻááşáááŻááşáá˝ááˇáş ááážááá°áážááˇáş áááşá¸áááŻáˇá ááááŹá¸á
áŻáááşááťáŹá¸
Children
Aged between 30 days and 18 years old, or up to 23 years old if studying full-time in a recognised institution.
áááąá¸ááťáŹá¸
áĄáááş áááş (áá) áážááˇáş (áá) áážá
áşááźáŹá¸ (áááŻáˇ) áĄáááĄáážááşááźáŻ áĄáá˝á˛áˇáĄá
ááşá¸ áá
áşááŻááŻáá˝ááş áĄááťáááşááźááˇáş áááŹáááşááźáŹá¸áá°ááťáŹá¸áĄáá˝ááş áĄáááş (áá) áážá
áşáĄáá˝ááşáĄáá
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : PRODUCT HIGHLIGHTS
Adult
Aged below 70 years old and must be a Myanmar citizen, Myanmar Permanent Resident, or otherwise legally employed in Myanmar and/or their Spouse and Children.
áá°ááźáŽá¸
áĄáááş (áá) áĄáąáŹááş áá°ááźáŽá¸ááťáŹá¸ááźááşááŹáááŻááşááśááŹá¸ ááźá
áşáá°á ááźááşááŹáááŻááşááśá áááŹá¸áááşááąáááŻááşáá˝ááˇáş ááážááá° (áááŻáˇ) áááŹá¸áááşáĄááŻááşááŻááşáááŻááşáá˝ááˇáş ááážááá°áážááˇáş áááşá¸áááŻáˇá ááááŹá¸á
áŻáááşááťáŹá¸
Children
Aged between 30 days and 18 years old, or up to 23 years old if studying full-time in a recognised institution.
áááąá¸ááťáŹá¸
áĄáááş áááş (áá) áážááˇáş (áá) áážá
áşááźáŹá¸ (áááŻáˇ) áĄáááĄáážááşááźáŻ áĄáá˝á˛áˇáĄá
ááşá¸ áá
áşááŻááŻáá˝ááş áĄááťáááşááźááˇáş áááŹáááşááźáŹá¸áá°ááťáŹá¸áĄáá˝ááş áĄáááş (áá) áážá
áşáĄáá˝ááşáĄáá
Understanding Your Insurance Policy Journey
Policy Term
From a minimum of 1 day to a maximum of 31 consecutive days.
áĄáŹáááśáááşáááşá¸
AYA Go áááŽá¸áá˝áŹá¸áĄáŹáááśááᯠáĄáááşá¸ááŻáśá¸ (á) áááşááž áĄááťáŹá¸ááŻáśá¸ (áá) áááşáááşáááŻááşááŹááĄáá áááşáá°áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHTS
NEXT : EXCLUSION
Policy Term
From a minimum of 1 day to a maximum of 31 consecutive days.
áĄáŹáááśáááşáááşá¸
AYA Go áááŽá¸áá˝áŹá¸áĄáŹáááśááᯠáĄáááşá¸ááŻáśá¸ (á) áááşááž áĄááťáŹá¸ááŻáśá¸ (áá) áááşáááşáááŻááşááŹááĄáá áááşáá°áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
Pre-existing Medical Conditions
ááááŻáážááááşá¸á á˝á˛ ááąáŹááŤááášáááŹááťáŹá¸
Suicide or attempted suicide, intentional self-injury
áááŻááˇáşáááŻááşáááŻáááşááąááźááşá¸á áááşááąáááşááźááŻá¸á áŹá¸ááźááşá¸á áááşáá˝ááşááťááşáážááážááááááááŻááşáááŻáĄááŹááááźá áşáĄáąáŹááşááŻááşááźááşá¸
By the effect or influence of alcohol or drugs
ááąá¸ááŻáśá¸á á˝á˛ááźááşá¸á áĄáááşá áá°á¸áá áşááąá¸ááŻáśá¸á á˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ áááŻá¸ááťááŻá¸ááťáŹá¸
Directly or indirectly by AIDS or ARC and HIV related diseases
áááŻááşáááŻááşááźá áşá áąá áá˝ááşáááŻááşáááźá áşá áą AIDS (áááŻáˇ) ARCá HIV á ááąáŹ ááąáŹááŤááťáŹá¸ááźáąáŹááˇáş áááááŻááşáážáŻááťáŹá¸
Pregnancy, childbirth (including surgical delivery), abortion, miscarriage and its related complications except miscarriage due to bodily injury as a direct result of an Accident.
áááąáŹáşáááááááŻááşáážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááŹáááˇáş áááŻááşáááşááťááşááťááźááşá¸áážáá˝á˛á áááŻááşáááşááąáŹááşááźááşá¸á áááąá¸áá˝áąá¸áá˝áŹá¸ááźááşá¸ (áá˝á˛á áááşáá˝áąá¸áá˝áŹá¸ááźááşá¸) áááŻááşáááşááťááşááťááźááşá¸á áááŻááşáááşááťááşááťááźááşá¸áážááˇáş áááşá¸ááá ášá áááşááťáŹá¸áážááˇáş áááşá ááşáááˇáş áááááŻááşááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸
Travelling on, or against medical advice
áááŹáááşá áááşá¸áá˝ážááşááťááşááťáŹá¸áážááˇáşáĄáᎠáááˇáşááťááşá áááŽá¸áá˝áŹá¸ááźááşá¸
For the purpose of obtaining treatment and medical check-up.
ááąá¸ááŻááážáŻááśáá°áááş áážááˇáş ááąá¸á á áşááąá¸áááşáĄáá˝ááş áááŽá¸áá˝áŹá¸ááźááşá¸
Physiological or psychosomatic disorders.
á áááşáááŻááşá¸áááŻááşáᏠááąáŹááŤááťáŹá¸ááźá áşáááˇáş á áááşááááşááźáááşáážáŻá á áááşááŹááşááťáážáŻá á áááşáá áĽáˇáşáááťáŹá¸ááźá áşáážáŻ á áááˇáş ááášáááŹááťáŹá¸
Engaging in sports or games in a professional capacity
áááŻááşááśáĄáŹá¸áá áŹá¸áá˝á˛ááťáŹá¸áá˝ááş áĄáŹá¸áá áŹá¸ (áááŻáˇ) ááááşá¸ááťáŹá¸áá˝ááş ááŤáááşáážáĽáşááźááŻááşááźááşá¸ááťáŹá¸
Dangerous and adventure activities eg. racing, motor rallies and competitions, mountaineering, rock climbing, and hiking/trekking, pot-holing, parachuting, sky diving, high diving and hot air balloon.
ááźááşá¸á áŽá¸ááźááŻááşáá˝á˛á ááąáŹáşááąáŹáşááŹá¸ááźááŻááşáá˝á˛á ááąáŹááşáááşááźááşá¸á ááťáąáŹááşááąáŹááşáááşááźááşá¸á áá˝ááşá¸áá°ááźááşá¸á ááąáá˛ááŻááşááťááźááşá¸á ááąááŽá¸ááŻááşááźááşá¸á ááąááŻááşááźááşá¸á áĄááźááˇáşááŻááşááźááşá¸á áĄááźááˇáşáááŻááşáááşáááŻá¸ááźááşá¸ áážááˇáş ááąáá°ááąáŹááşá¸á áŽá¸ááźááşá¸á áááˇáş áĄáášáááŹááşáážá áĄáŹá¸áá áŹá¸áááşá¸ááťáŹá¸ááž ááźá áşááąáŤáşááŹááąáŹ áááááŻááşáážáŻááťáŹá¸
Related to any illegal activities.
áááŹá¸ááááşááąáŹ ááŻááşááąáŹááşááťááşááťáŹá¸
Loss or damage to hired or leased equipment; testing of any kind of conveyance.
áááşáá°áááŻáˇááąáŹááşá ááş ááŹá¸áááşá¸ááŹá¸ááąáŹ (áááŻáˇ) áááşááąáŹááşááŹá¸ááąáŹ áá ášá ááşá¸ááááááŹááťáŹá¸ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
Employment on oversea in connection with any trade, employment or profession.
ááźááşáááŻááşáááşá¸áážááˇáş áááşá ááşáááˇáş ááŻááşáá˝ááşááźááşá¸ áĄááŻááşáĄáááŻááşááťáŹá¸
War, invasion, act of foreign enemy hostilities, civil war, rebellion, revolution, insurrection, strike, riot or civil commotion, terrorist
á á áşáá˝á˛á ááťá°á¸ááťáąáŹáşááźááşá¸á áá áşáááşáááŻááşááśááž ááťá°á¸ááťáąáŹáşáááşááąáŹááşááźááşá¸á ááźááşáá˝ááşá¸á á áşá ááŻááşáááşáážáŻá ááąáŹáşáážááşááąá¸á ááášáááźáážáŻá áĄáááááŻááşá¸á áááááşáážáąáŹááşáážáŻááťáŹá¸
Ionizing radiations or contamination by radioactivity, nuclear component
ááťá°áááŽá¸ááŹá¸ááąáŹááşá áŹááťáŹá¸ (áááŻáˇ) ááąááŽáááŻááášááááźá˝ á á˝ááˇáşáá áşáá ášá ááşá¸ááťáŹá¸ááž ááŹááşááąáŹááşááźááş (áááŻáˇ) áá áşáááşá¸ááťááşá áŽá¸áážáŻááťáŹá¸
Consequential loss or damage of any kind
áĄáááşááąáŹáşááźá፠áĄááźáąáŹááşá¸áĄááŹááťáŹá¸á ááąáŹááşáááşáá˝á˛ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸
Understanding Your Insurance Policy Journey
EXCLUSIONS
NEXT : FAQ
Pre-existing Medical Conditions
ááááŻáážááááşá¸á á˝á˛ ááąáŹááŤááášáááŹááťáŹá¸
Suicide or attempted suicide, intentional self-injury
áááŻááˇáşáááŻááşáááŻáááşááąááźááşá¸á áááşááąáááşááźááŻá¸á áŹá¸ááźááşá¸á áááşáá˝ááşááťááşáážááážááááááááŻááşáááŻáĄááŹááááźá áşáĄáąáŹááşááŻááşááźááşá¸
By the effect or influence of alcohol or drugs
ááąá¸ááŻáśá¸á á˝á˛ááźááşá¸á áĄáááşá áá°á¸áá áşááąá¸ááŻáśá¸á á˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ áááŻá¸ááťááŻá¸ááťáŹá¸
Directly or indirectly by AIDS or ARC and HIV related diseases
áááŻááşáááŻááşááźá áşá áąá áá˝ááşáááŻááşáááźá áşá áą AIDS (áááŻáˇ) ARCá HIV á ááąáŹ ááąáŹááŤááťáŹá¸ááźáąáŹááˇáş áááááŻááşáážáŻááťáŹá¸
Pregnancy, childbirth (including surgical delivery), abortion, miscarriage and its related complications except miscarriage due to bodily injury as a direct result of an Accident.
áááąáŹáşáááááááŻááşáážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááŹáááˇáş áááŻááşáááşááťááşááťááźááşá¸áážáá˝á˛á áááŻááşáááşááąáŹááşááźááşá¸á áááąá¸áá˝áąá¸áá˝áŹá¸ááźááşá¸ (áá˝á˛á áááşáá˝áąá¸áá˝áŹá¸ááźááşá¸) áááŻááşáááşááťááşááťááźááşá¸á áááŻááşáááşááťááşááťááźááşá¸áážááˇáş áááşá¸ááá ášá áááşááťáŹá¸áážááˇáş áááşá ááşáááˇáş áááááŻááşááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸
Travelling on, or against medical advice
áááŹáááşá áááşá¸áá˝ážááşááťááşááťáŹá¸áážááˇáşáĄáᎠáááˇáşááťááşá áááŽá¸áá˝áŹá¸ááźááşá¸
For the purpose of obtaining treatment and medical check-up.
ááąá¸ááŻááážáŻááśáá°áááş áážááˇáş ááąá¸á á áşááąá¸áááşáĄáá˝ááş áááŽá¸áá˝áŹá¸ááźááşá¸
Physiological or psychosomatic disorders.
á áááşáááŻááşá¸áááŻááşáᏠááąáŹááŤááťáŹá¸ááźá áşáááˇáş á áááşááááşááźáááşáážáŻá á áááşááŹááşááťáážáŻá á áááşáá áĽáˇáşáááťáŹá¸ááźá áşáážáŻ á áááˇáş ááášáááŹááťáŹá¸
Engaging in sports or games in a professional capacity
áááŻááşááśáĄáŹá¸áá áŹá¸áá˝á˛ááťáŹá¸áá˝ááş áĄáŹá¸áá áŹá¸ (áááŻáˇ) ááááşá¸ááťáŹá¸áá˝ááş ááŤáááşáážáĽáşááźááŻááşááźááşá¸ááťáŹá¸
Dangerous and adventure activities eg. racing, motor rallies and competitions, mountaineering, rock climbing, and hiking/trekking, pot-holing, parachuting, sky diving, high diving and hot air balloon.
ááźááşá¸á áŽá¸ááźááŻááşáá˝á˛á ááąáŹáşááąáŹáşááŹá¸ááźááŻááşáá˝á˛á ááąáŹááşáááşááźááşá¸á ááťáąáŹááşááąáŹááşáááşááźááşá¸á áá˝ááşá¸áá°ááźááşá¸á ááąáá˛ááŻááşááťááźááşá¸á ááąááŽá¸ááŻááşááźááşá¸á ááąááŻááşááźááşá¸á áĄááźááˇáşááŻááşááźááşá¸á áĄááźááˇáşáááŻááşáááşáááŻá¸ááźááşá¸ áážááˇáş ááąáá°ááąáŹááşá¸á áŽá¸ááźááşá¸á áááˇáş áĄáášáááŹááşáážá áĄáŹá¸áá áŹá¸áááşá¸ááťáŹá¸ááž ááźá áşááąáŤáşááŹááąáŹ áááááŻááşáážáŻááťáŹá¸
Related to any illegal activities.
áááŹá¸ááááşááąáŹ ááŻááşááąáŹááşááťááşááťáŹá¸
Loss or damage to hired or leased equipment; testing of any kind of conveyance.
áááşáá°áááŻáˇááąáŹááşá ááş ááŹá¸áááşá¸ááŹá¸ááąáŹ (áááŻáˇ) áááşááąáŹááşááŹá¸ááąáŹ áá ášá ááşá¸ááááááŹááťáŹá¸ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
Employment on oversea in connection with any trade, employment or profession.
ááźááşáááŻááşáááşá¸áážááˇáş áááşá ááşáááˇáş ááŻááşáá˝ááşááźááşá¸ áĄááŻááşáĄáááŻááşááťáŹá¸
War, invasion, act of foreign enemy hostilities, civil war, rebellion, revolution, insurrection, strike, riot or civil commotion, terrorist
á á áşáá˝á˛á ááťá°á¸ááťáąáŹáşááźááşá¸á áá áşáááşáááŻááşááśááž ááťá°á¸ááťáąáŹáşáááşááąáŹááşááźááşá¸á ááźááşáá˝ááşá¸á á áşá ááŻááşáááşáážáŻá ááąáŹáşáážááşááąá¸á ááášáááźáážáŻá áĄáááááŻááşá¸á áááááşáážáąáŹááşáážáŻááťáŹá¸
Ionizing radiations or contamination by radioactivity, nuclear component
ááťá°áááŽá¸ááŹá¸ááąáŹááşá áŹááťáŹá¸ (áááŻáˇ) ááąááŽáááŻááášááááźá˝ á á˝ááˇáşáá áşáá ášá ááşá¸ááťáŹá¸ááž ááŹááşááąáŹááşááźááş (áááŻáˇ) áá áşáááşá¸ááťááşá áŽá¸áážáŻááťáŹá¸
Consequential loss or damage of any kind
áĄáááşááąáŹáşááźá፠áĄááźáąáŹááşá¸áĄááŹááťáŹá¸á ááąáŹááşáááşáá˝á˛ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸
Understanding Your Insurance Policy Journey
The trip to be covered shall be beyond 50 kilometers from your home or starting point of journey.
áááˇáşáááŽá¸á áĽáşáááş áááˇáşáĄáááşáážááŽáááŻááŽáᏠ(á á) áááşááťáąáŹáşáá˝ááşááŤá áĄááŹáĄáá˝ááşááąá¸áááˇáş áĄáŹáááśáĄááťááŻá¸áĄá áŹá¸ ááźá áşááŤáááşá
Duration of cover ranges from 1 day to a maximum of 31 consecutive days.
AYA Go áááŽá¸áá˝áŹá¸áĄáŹáááśááᯠáĄáááşá¸ááŻáśá¸ (á) áááşááž áĄááťáŹá¸ááŻáśá¸ (áá) áááşáááşáááŻááşááŹááĄáá áááşáá°áááŻááşááŤáááşá
Period of insurance starts when you leave your home or starting point of journey in your Home Territory (provided the cover does not commence more than 24 hours prior to the scheduled departure time or cease more than 24 hours after the scheduled arrival at your Home Territory) to the time you return to your Home Territory or the expiry of the Period of Insurance, whichever is earlier.
áááşáááąáĄáááş áááŻáˇáááŻááş áĄáŹáááśáááşáá°ááŹáá˝ááş áááˇáşáá˝ááşá¸ááŹá¸áááˇáş á áááşáááˇáş ááąááŹááž á áááşáá˝ááşáá˝áŹáááˇáşáĄááťáááşáážá á (áááşáážááşááŹá¸áááˇáş áá˝ááşáá˝áŹááťáááşááááŻááşáᎠáá ááŹááŽáááş á áąáŹáááźá áşá áąá áááŽá¸ááąáŹááşáážááááˇáşááąááŹáááŻáˇ áá ááŹááŽáááşááąáŹááşááťáááźá áşá áą áĄááŹáĄáá˝ááş áĄááťáŻáśá¸ááááşááŤ) áááşáážááşááŹá¸ááąáŹ áááŻááşááąáŹááşááŹááąááŹáááŻáˇ ááąáŹááşáážááááˇáşáĄááťáááşáĄáá áĄááťáŻáśá¸áááşááŤáááşá
Premium should be paid in lump sum.
áááŽááŽááśááźáąá¸ááᯠáá áşááźáááşáááşá¸ááąá¸ááťáąáááŤáááşá
There is no renewal option for AYA Go Travel Insurance policy.
áááŽá¸áá˝áŹá¸áĄáŹáááśááąáŤáşáá áŽáá˝ááş áááşáááşá¸áááŻá¸á áááááŻááşááŤá
You can change the travelling period or destination by giving us more than 1day notice before inception date. You should contact AYA SOMPO Customer Service â 09 777 100 555 or respective sale staffs.
áááŽá¸áá˝áŹá¸ááŹá áááŻáˇáááŻááş áŚá¸áááşááŹááąááŹááťáŹá¸ááᯠáááŽá¸á áĽáşáá áááşááŽáááşááááŻááşáááş áá ááŹáᎠááźááŻáááşáĄááááąá¸ááźááşá¸ááźááˇáş ááźáąáŹááşá¸áá˛áááŻááşááŤáááşá
This Policy does not cover losses which are specifically excluded under the Policy, for example, any pre-existing illness, suicide or attempted suicide, intentional self-injury, and influence of alcohol or drug etc. Note: This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions.
áááŽá¸áá˝áŹá¸áĄáŹáááśáĄááŹáĄáá˝ááşáááş ááąáŤáşáá áŽááž áááşáážááşááŹá¸ááąáŹ ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáş áĄááťááşááťáŹá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹáááˇáş ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸ááᯠáĄááŹáĄáá˝ááşáááąá¸ááŤá (áĽááᏠâ áážááááşá¸á á˝á˛ááąáŹááŤááášáááŹááťáŹá¸á áááááááŻááşááᯠáááşááąááźááşá¸ áááşááąáááşááźááŻá¸á áŹá¸ááźááşá¸á áááşáá˝ááşááťááşáážááážááááááááŻááşáááŻáĄááŹááááźá áşáĄáąáŹááşááŻááşááźááşá¸á ááąá¸ááŻáśá¸á á˝á˛ááźááşá¸á áĄáááşá áá°á¸áá áşááąá¸ááŻáśá¸á á˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ áááŻá¸ááťááŻá¸ááťáŹá¸) áážááşááťááş â ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáş áĄááťááşááťáŹá¸ááᯠááąáŤáşáá áŽáá˝ááş ááąáˇááŹáááŻááşááŤáááşá
Benefit | Necessary action / documents | |
---|---|---|
Basic | Accidental Death | Claim Form should be properly filled out to conduct a claim. The Claim Form can be downloaded here. In case claim happens, the customers are requested to submit the claim form, doctor recommendation, invoice from hospital and other documents. |
Medical, Hospital & Other expenses | ||
Personal Liability | This will be decided on a case by case basis. Claim Form / police report / estimation / medical invoice etc. | |
Option | Child Education Fund | Claim Form/ Death evidence etc. |
áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş | ááŻááşááąáŹááşááááˇáş áĄááťááşááťáŹá¸/ áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ | |
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áĄááźáąááś | áááąáŹáşáá ááąááŻáśá¸áážáŻ | Claim Form ááᯠáááŽá¸ááá˝ááşáá˝áŹáᎠdownload ááŻááşááŹá¸ááąá¸áááş áááŻáĄááşááŤáááşá áĄáááşá ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááşáááŻáĄááşááŤá áááŹáááşá ááąáŹááşááśááťááşá ááąá¸ááŻáśáážáá˝áąááąáŹááşá¸ááśáá˝ážáŹáážááˇáş áĄááźáŹá¸á áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááźááˇáşá áŻáśá á˝áŹáááşáá˝ááşá¸á ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááŻááşááŤáááşá |
ááąá¸ááŻáá ááááşá ááąá¸ááŻáśá ááááşáážááˇáş áĄááźáŹá¸áĄááŻáśá¸á ááááşááťáŹá¸ | ||
áá áşááŤá¸áá°áááááŻááşáá áşááŹááźááşá¸ | áááąáŹáşáááážáŻááąáŤáşáá°áááşááŤáááşá ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áá˛áĄá áŽáááşááśá Ꮰ/ áááˇáşáážááşá¸ááťááş / ááąá¸áááşáááŻááşááŹáá˝áąááąáŹááşá¸ááśáá˝ážáŹ á áááşáááŻáˇ áááŻáĄááşááŤáááşá | |
áá˝áąá¸ááťááşáážáŻ | áááąá¸áááŹááąá¸ááąáŹááşááśáˇáá˝áą | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / ááąááŻáśá¸ááźáąáŹááşá¸áááşááą á áááşáááŻáˇ áááŻáĄááşááŤáááşá |
Duty Of Disclosure Where the Insured person has applied for this Insurance wholly for purposes unrelated to lnsured personâs trade, business or profession, Insured person had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Insured person applied for this insurance). Insured person should have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of Life lnsured personâs contract of insurance, refusal or reduction of claim(s), change of terms or termination of contract of insurance. Insured person was also required to disclose any other matter that the Insured person knew to be relevant to The Companyâs decision in accepting the risks and determining the rates and terms to be applied. Insured person also have a duty to tell The Company immediately if at any time after Life insured personâs contract of insurance has been entered into, varied or renewed with The Company any of the information given in the Proposal Form (or when Life Insured applied for this insurance) is inaccurate or has changed.
áĄáŹáááśááŹá¸áá°á áĄááŻááşáĄáááŻááşá á áŽá¸áá˝áŹá¸ááąá¸ááŻááşáááşá¸ááťáŹá¸áážááˇáş ááááşáááŻááşááąáŹ áááşáá˝ááşááťááşááťáŹá¸ááźááˇáş áĄáŹáááśáááşáá°áááşáááŻááŤá Proposal Form (áĄáááŻááźáŻáá˝ážáŹ) áá˝ááş áážááşáááşááąáŹ áĄááťááşáĄáááşááťáŹá¸ááᯠááźááˇáşáá˝ááşá¸áááş áááŻáĄááşááŤáááşá áĄáŹáááśááŹá¸áá°áááş ááąá¸áá˝ááşá¸ááťáŹá¸ááᯠáážááşáááşá á˝áŹáážááˇáş ááááťá á˝áŹ ááźáąááąá¸áááş áááŻáĄááşááŤáááşá ááąá¸áá˝ááşá¸ááťáŹá¸áĄáŹá¸ áážááşáááşá á˝áŹ ááźáąáááŻááźááşá¸ááážáááŤá áĄáŹáááśááąáŤáşáá áŽáĄáŹá¸ ááźááşá¸áááşááźááşá¸á ááťáąáŹáşááźáąá¸ááźááşá¸áááşááźááşá¸áážááˇáş áĄáŹáááśááąáŤáşáá áŽááťááşááááşá¸ááźááşá¸ááťáŹá¸áĄáŹá¸ ááźáŻááŻááşáááŻááşááŤáááşá áĄáŹáááśááŹá¸áá°áááşááž ááŻáášáááŽá ááŻáśá¸ááźááşááťááşááťáŹá¸á áĄáášáááŹááşááᯠáááşááśáááŻááşáááˇáş áĄáááŻááşá¸áĄááŹáážááˇáş áááşáážááşááťááşááťáŹá¸ á ááşá¸ááťáĽáşá¸á ááşá¸áááşá¸ááťáŹá¸ááᯠáááážáááŹá¸áááş áááŻáĄááşááŤáááşá áĄáŹáááśááŹá¸áá°áááş áĄáááşáĄáŹáááśááŹá¸áážáááźááşá¸á Proposal Form ááŤáĄááťááşáĄáááşááťáŹá¸ ááźáąáŹááşá¸áá˛ááźááşá¸ááťáŹá¸ (áááŻáˇ) áĄáááşáĄáŹáááśááŹá¸áážááá°áááş áááŽá¸áá˝áŹá¸áĄáŹáááśááŹá¸áááşáááŻááŤá ááŻáášáááŽááᯠááťááşááťááşá¸áĄááźáąáŹááşá¸ááźáŹá¸ááąá¸áááş áááŻáĄááşááŤáááşá
AYA SOMPO áĄáŹáááśá Customer Service Hotline áá ááá ááá á á á áááŻáˇ ááááşášááŹááąáˇáážááąáŹááźáŹááąáˇ ááśáááş á:áá ááŹááŽááž áááą á á¸áá ááŹááŽáĄáá˝ááşá¸ áááşáá˝ááşááąá¸ááźááşá¸áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
The trip to be covered shall be beyond 50 kilometers from your home or starting point of journey.
áááˇáşáááŽá¸á áĽáşáááş áááˇáşáĄáááşáážááŽáááŻááŽáᏠ(á á) áááşááťáąáŹáşáá˝ááşááŤá áĄááŹáĄáá˝ááşááąá¸áááˇáş áĄáŹáááśáĄááťááŻá¸áĄá áŹá¸ ááźá áşááŤáááşá
Duration of cover ranges from 1 day to a maximum of 31 consecutive days.
AYA Go áááŽá¸áá˝áŹá¸áĄáŹáááśááᯠáĄáááşá¸ááŻáśá¸ (á) áááşááž áĄááťáŹá¸ááŻáśá¸ (áá) áááşáááşáááŻááşááŹááĄáá áááşáá°áááŻááşááŤáááşá
Period of insurance starts when you leave your home or starting point of journey in your Home Territory (provided the cover does not commence more than 24 hours prior to the scheduled departure time or cease more than 24 hours after the scheduled arrival at your Home Territory) to the time you return to your Home Territory or the expiry of the Period of Insurance, whichever is earlier.
áááşáááąáĄáááş áááŻáˇáááŻááş áĄáŹáááśáááşáá°ááŹáá˝ááş áááˇáşáá˝ááşá¸ááŹá¸áááˇáş á áááşáááˇáş ááąááŹááž á áááşáá˝ááşáá˝áŹáááˇáşáĄááťáááşáážá á (áááşáážááşááŹá¸áááˇáş áá˝ááşáá˝áŹááťáááşááááŻááşáᎠáá ááŹááŽáááş á áąáŹáááźá áşá áąá áááŽá¸ááąáŹááşáážááááˇáşááąááŹáááŻáˇ áá ááŹááŽáááşááąáŹááşááťáááźá áşá áą áĄááŹáĄáá˝ááş áĄááťáŻáśá¸ááááşááŤ) áááşáážááşááŹá¸ááąáŹ áááŻááşááąáŹááşááŹááąááŹáááŻáˇ ááąáŹááşáážááááˇáşáĄááťáááşáĄáá áĄááťáŻáśá¸áááşááŤáááşá
Premium should be paid in lump sum.
áááŽááŽááśááźáąá¸ááᯠáá áşááźáááşáááşá¸ááąá¸ááťáąáááŤáááşá
There is no renewal option for AYA Go Travel Insurance policy.
áááŽá¸áá˝áŹá¸áĄáŹáááśááąáŤáşáá áŽáá˝ááş áááşáááşá¸áááŻá¸á áááááŻááşááŤá
You can change the travelling period or destination by giving us more than 1day notice before inception date. You should contact AYA SOMPO Customer Service â 09 777 100 555 or respective sale staffs.
áááŽá¸áá˝áŹá¸ááŹá áááŻáˇáááŻááş áŚá¸áááşááŹááąááŹááťáŹá¸ááᯠáááŽá¸á áĽáşáá áááşááŽáááşááááŻááşáááş áá ááŹáᎠááźááŻáááşáĄááááąá¸ááźááşá¸ááźááˇáş ááźáąáŹááşá¸áá˛áááŻááşááŤáááşá
This Policy does not cover losses which are specifically excluded under the Policy, for example, any pre-existing illness, suicide or attempted suicide, intentional self-injury, and influence of alcohol or drug etc. Note: This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions.
áááŽá¸áá˝áŹá¸áĄáŹáááśáĄááŹáĄáá˝ááşáááş ááąáŤáşáá áŽááž áááşáážááşááŹá¸ááąáŹ ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáş áĄááťááşááťáŹá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹáááˇáş ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸ááᯠáĄááŹáĄáá˝ááşáááąá¸ááŤá (áĽááᏠâ áážááááşá¸á á˝á˛ááąáŹááŤááášáááŹááťáŹá¸á áááááááŻááşááᯠáááşááąááźááşá¸ áááşááąáááşááźááŻá¸á áŹá¸ááźááşá¸á áááşáá˝ááşááťááşáážááážááááááááŻááşáááŻáĄááŹááááźá áşáĄáąáŹááşááŻááşááźááşá¸á ááąá¸ááŻáśá¸á á˝á˛ááźááşá¸á áĄáááşá áá°á¸áá áşááąá¸ááŻáśá¸á á˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ áááŻá¸ááťááŻá¸ááťáŹá¸) áážááşááťááş â ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáş áĄááťááşááťáŹá¸ááᯠááąáŤáşáá áŽáá˝ááş ááąáˇááŹáááŻááşááŤáááşá
Benefit | Necessary action / documents | |
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Basic | Accidental Death | Claim Form should be properly filled out to conduct a claim. The Claim Form can be downloaded here. In case claim happens, the customers are requested to submit the claim form, doctor recommendation, invoice from hospital and other documents. |
Medical, Hospital & Other expenses | ||
Personal Liability | This will be decided on a case by case basis. Claim Form / police report / estimation / medical invoice etc. | |
Option | Child Education Fund | Claim Form/ Death evidence etc. |
áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş | ááŻááşááąáŹááşááááˇáş áĄááťááşááťáŹá¸/ áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ | |
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áĄááźáąááś | áááąáŹáşáá ááąááŻáśá¸áážáŻ | Claim Form ááᯠáááŽá¸ááá˝ááşáá˝áŹáᎠdownload ááŻááşááŹá¸ááąá¸áááş áááŻáĄááşááŤáááşá áĄáááşá ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááşáááŻáĄááşááŤá áááŹáááşá ááąáŹááşááśááťááşá ááąá¸ááŻáśáážáá˝áąááąáŹááşá¸ááśáá˝ážáŹáážááˇáş áĄááźáŹá¸á áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááźááˇáşá áŻáśá á˝áŹáááşáá˝ááşá¸á ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááŻááşááŤáááşá |
ááąá¸ááŻáá ááááşá ááąá¸ááŻáśá ááááşáážááˇáş áĄááźáŹá¸áĄááŻáśá¸á ááááşááťáŹá¸ | ||
áá áşááŤá¸áá°áááááŻááşáá áşááŹááźááşá¸ | áááąáŹáşáááážáŻááąáŤáşáá°áááşááŤáááşá ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áá˛áĄá áŽáááşááśá Ꮰ/ áááˇáşáážááşá¸ááťááş / ááąá¸áááşáááŻááşááŹáá˝áąááąáŹááşá¸ááśáá˝ážáŹ á áááşáááŻáˇ áááŻáĄááşááŤáááşá | |
áá˝áąá¸ááťááşáážáŻ | áááąá¸áááŹááąá¸ááąáŹááşááśáˇáá˝áą | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / ááąááŻáśá¸ááźáąáŹááşá¸áááşááą á áááşáááŻáˇ áááŻáĄááşááŤáááşá |
Duty Of Disclosure Where the Insured person has applied for this Insurance wholly for purposes unrelated to lnsured personâs trade, business or profession, Insured person had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Insured person applied for this insurance). Insured person should have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of Life lnsured personâs contract of insurance, refusal or reduction of claim(s), change of terms or termination of contract of insurance. Insured person was also required to disclose any other matter that the Insured person knew to be relevant to The Companyâs decision in accepting the risks and determining the rates and terms to be applied. Insured person also have a duty to tell The Company immediately if at any time after Life insured personâs contract of insurance has been entered into, varied or renewed with The Company any of the information given in the Proposal Form (or when Life Insured applied for this insurance) is inaccurate or has changed.
áĄáŹáááśááŹá¸áá°á áĄááŻááşáĄáááŻááşá á áŽá¸áá˝áŹá¸ááąá¸ááŻááşáááşá¸ááťáŹá¸áážááˇáş ááááşáááŻááşááąáŹ áááşáá˝ááşááťááşááťáŹá¸ááźááˇáş áĄáŹáááśáááşáá°áááşáááŻááŤá Proposal Form (áĄáááŻááźáŻáá˝ážáŹ) áá˝ááş áážááşáááşááąáŹ áĄááťááşáĄáááşááťáŹá¸ááᯠááźááˇáşáá˝ááşá¸áááş áááŻáĄááşááŤáááşá áĄáŹáááśááŹá¸áá°áááş ááąá¸áá˝ááşá¸ááťáŹá¸ááᯠáážááşáááşá á˝áŹáážááˇáş ááááťá á˝áŹ ááźáąááąá¸áááş áááŻáĄááşááŤáááşá ááąá¸áá˝ááşá¸ááťáŹá¸áĄáŹá¸ áážááşáááşá á˝áŹ ááźáąáááŻááźááşá¸ááážáááŤá áĄáŹáááśááąáŤáşáá áŽáĄáŹá¸ ááźááşá¸áááşááźááşá¸á ááťáąáŹáşááźáąá¸ááźááşá¸áááşááźááşá¸áážááˇáş áĄáŹáááśááąáŤáşáá áŽááťááşááááşá¸ááźááşá¸ááťáŹá¸áĄáŹá¸ ááźáŻááŻááşáááŻááşááŤáááşá áĄáŹáááśááŹá¸áá°áááşááž ááŻáášáááŽá ááŻáśá¸ááźááşááťááşááťáŹá¸á áĄáášáááŹááşááᯠáááşááśáááŻááşáááˇáş áĄáááŻááşá¸áĄááŹáážááˇáş áááşáážááşááťááşááťáŹá¸ á ááşá¸ááťáĽáşá¸á ááşá¸áááşá¸ááťáŹá¸ááᯠáááážáááŹá¸áááş áááŻáĄááşááŤáááşá áĄáŹáááśááŹá¸áá°áááş áĄáááşáĄáŹáááśááŹá¸áážáááźááşá¸á Proposal Form ááŤáĄááťááşáĄáááşááťáŹá¸ ááźáąáŹááşá¸áá˛ááźááşá¸ááťáŹá¸ (áááŻáˇ) áĄáááşáĄáŹáááśááŹá¸áážááá°áááş áááŽá¸áá˝áŹá¸áĄáŹáááśááŹá¸áááşáááŻááŤá ááŻáášáááŽááᯠááťááşááťááşá¸áĄááźáąáŹááşá¸ááźáŹá¸ááąá¸áááş áááŻáĄááşááŤáááşá
AYA SOMPO áĄáŹáááśá Customer Service Hotline áá ááá ááá á á á áááŻáˇ ááááşášááŹááąáˇáážááąáŹááźáŹááąáˇ ááśáááş á:áá ááŹááŽááž áááą á á¸áá ááŹááŽáĄáá˝ááşá¸ áááşáá˝ááşááąá¸ááźááşá¸áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
Accidental Death
Coverage for Accidental Death up to MMK 10,000,000
áááąáŹáşááááąááŻáśá¸áážáŻ
áĄááťáŹá¸ááŻáśá¸ áá,ááá,áááááťááşáĄáá áĄááŹáĄáá˝ááşááąá¸ááŹá¸ááŤáááşá
Medical, Hospital & Other Expenses
Coverage for medical, hospital and other expenses up to MMK 100,000,000
ááąá¸ááŻááážáŻ ááąá¸ááŻáśáááşááąáŹááşáážáŻáážááˇáş áĄááźáŹá¸ááŻááşááťá ááááşááťáŹá¸
ááá,ááá,ááá ááťááş áĄáá áááááŻááşáááşááŹááážááážáŻááąáŤáş áá°áááşá ááąá¸ááťáąáŹáşááŤáááşá
Personal Liability
Indemnify up to MMK 100,000,000 for legal liability to third party due to your negligence
ááŻáášáááŻááşááąá¸ ááŹáááşáážááážáŻ
áĄááťáŹá¸ááŻáśá¸ ááá,ááá,ááá ááťááşáĄáá ááąá¸ááťáąáŹáşááŤáááşá (áĄáŹáááśááŹá¸áá°á áááááá°áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ áá áşááŤá¸áá°áááááŻááşáá áşááŹáážáŻáĄáá˝ááş ááąá¸ááťáąáŹáşááŤáááş)
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Hospital Allowance
Total coverage amount for hospital allowance is up to MMK 3,000,000 with MMK 100,000 (Per Day)
ááąá¸ááŻáá ááááşáĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş
ááąáˇá áĽáşááąá¸ááŻáá ááááş ááťááş ááá,ááá áážááˇáş ááťááş á,ááá,ááá áĄáá
Flight Delay
MMK 50,000 for every 6 full consecutive hours delay and MMK 70,000 for every 6 full consecutive hours thereafter
ááąááźáąáŹááşá¸áááŽá¸á áĽáş ááźááˇáşááźáŹááźááşá¸
ááá á ááŹááŽáááá ááąáŹááşááťáážáŻáĄáá˝ááş ááťááş á á,ááá áážááˇáş áááşááśááąáŹááşááťáážáŻ á ááŹááŽáááŻááşá¸áĄáá˝ááş ááťááş áá,ááá
Baggage Delay
MMK 50,000 for every 6 full consecutive hours if your check-in baggage is delayed upon arrival at the scheduled destination abroad
áááŽá¸ááąáŹááşáĄáááş ááźááˇáşááźáŹááźááşá¸
áĄáááşá áááŽá¸ááąáŹááşáĄáááşááąáŹááşáážáááźáąáŹááşá¸ á áŹáááşá¸áá˝ááşá¸ááťáááşááž á áááşá áááşáážááşááŹá¸ááąáŹ ááąááŹáááŻáˇ ááąáŹááşáážáááťáááşá ááźááˇáşááźáŹáážáŻ ááźá áşááąáŤáşáá˛áˇááŤá ááąáŹááşááťáážáŻ á ááŹááŽáááŻááşá¸áĄáá˝ááş ááťááş á á,ááá
Loss to baggage and Personal Effects
Maximum MMK 200,000 any one article or pair or set of articles
áááŽá¸ááąáŹááşáĄáááşááťáŹá¸áážááˇáş ááŻáášáááŻááşááąá¸ áĄááŻáśá¸áĄááąáŹááşáá ášá ááşá¸ááťáŹá¸ ááťáąáŹááşááŻáśá¸áážáŻ
áĄááŻáśá¸áĄááąáŹááşáá ášá ááşá¸ááťáŹá¸ ááťáąáŹááşááŻáśá¸áážáŻ (áĄááźáŹá¸áá ášá ááşá¸ áĄááťááŻá¸áĄá áŹá¸áá áşááŻá áá áşá áŻáśá áŽááŤáááşáááˇáş ááášááá áşááŻá ᎠááťáąáŹááşááŻáśá¸áážáŻáĄáá˝ááş áĄááźááˇáşááŻáśá¸áááŹá ááťááş ááá,ááá)
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : ELIGIBILITY
Accidental Death
Coverage for Accidental Death up to MMK 10,000,000
áááąáŹáşááááąááŻáśá¸áážáŻ
áĄááťáŹá¸ááŻáśá¸ áá,ááá,áááááťááşáĄáá áĄááŹáĄáá˝ááşááąá¸ááŹá¸ááŤáááş
Medical, Hospital & Other Expenses
Coverage for medical, hospital and other expenses up to MMK 100,000,000
ááąá¸ááŻááážáŻ ááąá¸ááŻáśáááşááąáŹááşáážáŻáážááˇáş áĄááźáŹá¸ááŻááşááťá ááááşááťáŹá¸
ááá,ááá,ááá ááťááş áĄáá áááááŻááşáááşááŹááážááážáŻááąáŤáş áá°áááşá ááąá¸ááťáąáŹáşááŤáááşá
Personal Liability
Indemnify up to MMK 100,000,000 for legal liability to third party due to your negligence
ááŻáášáááŻááşááąá¸ ááŹáááşáážááážáŻ
áĄááťáŹá¸ááŻáśá¸ ááá,ááá,ááá ááťááşáĄáá ááąá¸ááťáąáŹáşááŤáááşá (áĄáŹáááśááŹá¸áá°á áááááá°áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ áá áşááŤá¸áá°áááááŻááşáá áşááŹáážáŻáĄáá˝ááş ááąá¸ááťáąáŹáşááŤáááş)
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Hospital Allowance
Total coverage amount for hospital allowance is up to MMK 3,000,000 with MMK 100,000 (Per Day)
ááąá¸ááŻáá ááááşáĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş
ááąáˇá áĽáşááąá¸ááŻáá ááááş ááťááş ááá,ááá áážááˇáş ááťááş á,ááá,ááá áĄáá
Flight Delay
MMK 50,000 for every 6 full consecutive hours delay and MMK 70,000 for every 6 full consecutive hours thereafter
ááąááźáąáŹááşá¸áááŽá¸á áĽáş ááźááˇáşááźáŹááźááşá¸
ááá á ááŹááŽáááá ááąáŹááşááťáážáŻáĄáá˝ááş ááťááş á á,ááá áážááˇáş áááşááśááąáŹááşááťáážáŻ á ááŹááŽáááŻááşá¸áĄáá˝ááş ááťááş áá,ááá
Baggage Delay
MMK 50,000 for every 6 full consecutive hours if your check-in baggage is delayed upon arrival at the scheduled destination abroad
áááŽá¸ááąáŹááşáĄáááş ááźááˇáşááźáŹááźááşá¸
áĄáááşá áááŽá¸ááąáŹááşáĄáááşááąáŹááşáážáááźáąáŹááşá¸ á áŹáááşá¸áá˝ááşá¸ááťáááşááž á áááşá áááşáážááşááŹá¸ááąáŹ ááąááŹáááŻáˇ ááąáŹááşáážáááťáááşá ááźááˇáşááźáŹáážáŻ ááźá áşááąáŤáşáá˛áˇááŤá ááąáŹááşááťáážáŻ á ááŹááŽáááŻááşá¸áĄáá˝ááş ááťááş á á,ááá
Loss to baggage and Personal Effects
Maximum MMK 200,000 any one article or pair or set of articles
áááŽá¸ááąáŹááşáĄáááşááťáŹá¸áážááˇáş ááŻáášáááŻááşááąá¸ áĄááŻáśá¸áĄááąáŹááşáá ášá ááşá¸ááťáŹá¸ ááťáąáŹááşááŻáśá¸áážáŻ
áĄááŻáśá¸áĄááąáŹááşáá ášá ááşá¸ááťáŹá¸ ááťáąáŹááşááŻáśá¸áážáŻ (áĄááźáŹá¸áá ášá ááşá¸ áĄááťááŻá¸áĄá áŹá¸áá áşááŻá áá áşá áŻáśá áŽááŤáááşáááˇáş ááášááá áşááŻá ᎠááťáąáŹááşááŻáśá¸áážáŻáĄáá˝ááş áĄááźááˇáşááŻáśá¸áááŹá ááťááş ááá,ááá)
Understanding Your Insurance Policy Journey
Adult
Aged below 70 years old and must be a Myanmar citizen, Myanmar Permanent Resident, or otherwise legally employed in Myanmar and/or their Spouse and Children.
áá°ááźáŽá¸
áĄáááş (áá) áĄáąáŹááş áá°ááźáŽá¸ááťáŹá¸ááźááşááŹáááŻááşááśááŹá¸ ááźá
áşáá°á ááźááşááŹáááŻááşááśá áááŹá¸áááşááąáááŻááşáá˝ááˇáş ááážááá° (áááŻáˇ) áááŹá¸áááşáĄááŻááşááŻááşáááŻááşáá˝ááˇáş ááážááá°áážááˇáş áááşá¸áááŻáˇá ááááŹá¸á
áŻáááşááťáŹá¸
Children
Aged between 30 days and 18 years old, or up to 23 years old if studying full-time in a recognized institution.
áááąá¸ááťáŹá¸
áĄáááş áááş (áá) áážááˇáş (áá) áážá
áşááźáŹá¸ (áááŻáˇ) áĄáááĄáážááşááźáŻ áĄáá˝á˛áˇáĄá
ááşá¸ áá
áşááŻááŻáá˝ááş áĄááťáááşááźááˇáş áááŹáááşááźáŹá¸áá°ááťáŹá¸áĄáá˝ááş áĄáááş (áá) áážá
áşáĄáá˝ááşáĄáá
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : PRODUCT HIGHLIGHTS
Adult
Aged below 70 years old and must be a Myanmar citizen, Myanmar Permanent Resident, or otherwise legally employed in Myanmar and/or their Spouse and Children.
áá°ááźáŽá¸
áĄáááş (áá) áĄáąáŹááş áá°ááźáŽá¸ááťáŹá¸ááźááşááŹáááŻááşááśááŹá¸ ááźá
áşáá°á ááźááşááŹáááŻááşááśá áááŹá¸áááşááąáááŻááşáá˝ááˇáş ááážááá° (áááŻáˇ) áááŹá¸áááşáĄááŻááşááŻááşáááŻááşáá˝ááˇáş ááážááá°áážááˇáş áááşá¸áááŻáˇá ááááŹá¸á
áŻáááşááťáŹá¸
Children
Aged between 30 days and 18 years old, or up to 23 years old if studying full-time in a recognized institution.
áááąá¸ááťáŹá¸
áĄáááş áááş (áá) áážááˇáş (áá) áážá
áşááźáŹá¸ (áááŻáˇ) áĄáááĄáážááşááźáŻ áĄáá˝á˛áˇáĄá
ááşá¸ áá
áşááŻááŻáá˝ááş áĄááťáááşááźááˇáş áááŹáááşááźáŹá¸áá°ááťáŹá¸áĄáá˝ááş áĄáááş (áá) áážá
áşáĄáá˝ááşáĄáá
Understanding Your Insurance Policy Journey
Policy Term
From a minimum of 1 day to a maximum of 31 consecutive days.
áĄáŹáááśáááşáááşá¸
AYA Joy áááŽá¸áá˝áŹá¸áĄáŹáááśááᯠáĄáááşá¸ááŻáśá¸ á áááşááž áĄááťáŹá¸ááŻáśá¸ áá áááşáááşáááŻááşááŹááĄáá áááşáá°áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHTS
NEXT : EXCLUSION
Policy Term
From a minimum of 1 day to a maximum of 31 consecutive days.
áĄáŹáááśáááşáááşá¸
AYA Joy áááŽá¸áá˝áŹá¸áĄáŹáááśááᯠáĄáááşá¸ááŻáśá¸ á áááşááž áĄááťáŹá¸ááŻáśá¸ áá áááşáááşáááŻááşááŹááĄáá áááşáá°áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
áĄáąáŹááşááąáŹáşááźá፠áĄááťááşááťáŹá¸ááž áááŻááşáááŻááşááźá áşá áąá áá˝ááşáááŻááşáááźá áşá áąá áá áşá áááşáá áşáááŻááşá¸ááźá áşá áą ááźá áşááąáŤáşááŹááąáŹ áááááŻááşááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸áĄáá˝ááş ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşááŤá
Pre-existing Medical Conditions
ááááŻáážááááşá¸á á˝á˛ ááąáŹááŤááášáááŹááťáŹá¸
Suicide or attempted suicide, intentional self-injury
áááŻááˇáşáááŻááşáááŻáááşááąááźááşá¸á áááşááąáááşááźááŻá¸á áŹá¸ááźááşá¸á áááşáá˝ááşááťááşáážááážááááááááŻááşáááŻáĄááŹááááźá áşáĄáąáŹááşááŻááşááźááşá¸
By the effect or influence of alcohol or drugs
ááąá¸ááŻáśá¸á á˝á˛ááźááşá¸á áĄáááşá áá°á¸áá áşááąá¸ááŻáśá¸á á˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ áááŻá¸ááťááŻá¸ááťáŹá¸
Directly or indirectly by AIDS or ARC and HIV related diseases
áááŻááşáááŻááşááźá áşá áąá áá˝ááşáááŻááşáááźá áşá áą AIDS (áááŻáˇ) ARCá HIV á ááąáŹ ááąáŹááŤááťáŹá¸ááźáąáŹááˇáş áááááŻááşáážáŻááťáŹá¸
Pregnancy, childbirth (including surgical delivery), abortion, miscarriage and its related complications except miscarriage due to bodily injury as a direct result of an Accident.
áááąáŹáşáááááááŻááşáážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááŹáááˇáş áááŻááşáááşááťááşááťááźááşá¸áážáá˝á˛á áááŻááşáááşááąáŹááşááźááşá¸á áááąá¸áá˝áąá¸áá˝áŹá¸ááźááşá¸ (áá˝á˛á áááşáá˝áąá¸áá˝áŹá¸ááźááşá¸) áááŻááşáááşááťááşááťááźááşá¸á áááŻááşáááşááťááşááťááźááşá¸áážááˇáş áááşá¸ááá ášá áááşááťáŹá¸áážááˇáş áááşá ááşáááˇáş áááááŻááşááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸
Travelling on, or against medical advice
áááŹáááşá áááşá¸áá˝ážááşááťááşááťáŹá¸áážááˇáşáĄáᎠáááˇáşááťááşá áááŽá¸áá˝áŹá¸ááźááşá¸
For the purpose of obtaining treatment and medical check-up.
ááąá¸ááŻááážáŻááśáá°áááş áážááˇáş ááąá¸á á áşááąá¸áááşáĄáá˝ááş áááŽá¸áá˝áŹá¸ááźááşá¸
Physiological or psychosomatic disorders.
á áááşáááŻááşá¸áááŻááşáᏠááąáŹááŤááťáŹá¸ááźá áşáááˇáş á áááşááááşááźáááşáážáŻá á áááşááŹááşááťáážáŻá á áááşáá áĽáˇáşáááťáŹá¸ááźá áşáážáŻ á áááˇáş ááášáááŹááťáŹá¸
Engaging in sports or games in a professional capacity
áááŻááşááśáĄáŹá¸áá áŹá¸áá˝á˛ááťáŹá¸áá˝ááş áĄáŹá¸áá áŹá¸ (áááŻáˇ) ááááşá¸ááťáŹá¸áá˝ááş ááŤáááşáážáĽáşááźááŻááşááźááşá¸ááťáŹá¸
Dangerous and adventure activities eg. racing, motor rallies and competitions, mountaineering, rock climbing, and hiking/trekking, pot-holing, parachuting, sky diving, high diving and hot air balloon.
ááźááşá¸á áŽá¸ááźááŻááşáá˝á˛á ááąáŹáşááąáŹáşááŹá¸ááźááŻááşáá˝á˛á ááąáŹááşáááşááźááşá¸á ááťáąáŹááşááąáŹááşáááşááźááşá¸á áá˝ááşá¸áá°ááźááşá¸á ááąáá˛ááŻááşááťááźááşá¸á ááąááŽá¸ááŻááşááźááşá¸á ááąááŻááşááźááşá¸á áĄááźááˇáşááŻááşááźááşá¸á áĄááźááˇáşáááŻááşáááşáááŻá¸ááźááşá¸ áážááˇáş ááąáá°ááąáŹááşá¸á áŽá¸ááźááşá¸á áááˇáş áĄáášáááŹááşáážá áĄáŹá¸áá áŹá¸áááşá¸ááťáŹá¸ááž ááźá áşááąáŤáşááŹááąáŹ áááááŻááşáážáŻááťáŹá¸
Related to any illegal activities.
áááŹá¸ááááşááąáŹ ááŻááşááąáŹááşááťááşááťáŹá¸
Loss or damage to hired or leased equipment; testing of any kind of conveyance.
áááşáá°áááŻáˇááąáŹááşá ááş ááŹá¸áááşá¸ááŹá¸ááąáŹ (áááŻáˇ) áááşááąáŹááşááŹá¸ááąáŹ áá ášá ááşá¸ááááááŹááťáŹá¸ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
Employment on oversea in connection with any trade, employment or profession.
ááźááşáááŻááşáááşá¸áážááˇáş áááşá ááşáááˇáş ááŻááşáá˝ááşááźááşá¸ áĄááŻááşáĄáááŻááşááťáŹá¸
War, invasion, act of foreign enemy hostilities, civil war, rebellion, revolution, insurrection, strike, riot or civil commotion, terrorist
á á áşáá˝á˛á ááťá°á¸ááťáąáŹáşááźááşá¸á áá áşáááşáááŻááşááśááž ááťá°á¸ááťáąáŹáşáááşááąáŹááşááźááşá¸á ááźááşáá˝ááşá¸á á áşá ááŻááşáááşáážáŻá ááąáŹáşáážááşááąá¸á ááášáááźáážáŻá áĄáááááŻááşá¸ááááááşáážáąáŹááşáážáŻááťáŹá¸
Ionizing radiations or contamination by radioactivity, nuclear component
ááťá°áááŽá¸ááŹá¸ááąáŹááşá áŹááťáŹá¸ (áááŻáˇ) ááąááŽáááŻááášááááźá˝ á á˝ááˇáşáá áşáá ášá ááşá¸ááťáŹá¸ááž ááŹááşááąáŹááşááźááş (áááŻáˇ) áá áşáááşá¸ááťááşá áŽá¸áážáŻááťáŹá¸
Consequential loss or damage of any kind
áĄáááşááąáŹáşááźá፠áĄááźáąáŹááşá¸áĄááŹááťáŹá¸á ááąáŹááşáááşáá˝á˛ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸
Understanding Your Insurance Policy Journey
EXCLUSIONS
NEXT : FAQ
áĄáąáŹááşááąáŹáşááźá፠áĄááťááşááťáŹá¸ááž áááŻááşáááŻááşááźá áşá áąá áá˝ááşáááŻááşáááźá áşá áąá áá áşá áááşáá áşáááŻááşá¸ááźá áşá áą ááźá áşááąáŤáşááŹááąáŹ áááááŻááşááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸áĄáá˝ááş ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşááŤá
Pre-existing Medical Conditions
ááááŻáážááááşá¸á á˝á˛ ááąáŹááŤááášáááŹááťáŹá¸
Suicide or attempted suicide, intentional self-injury
áááŻááˇáşáááŻááşáááŻáááşááąááźááşá¸á áááşááąáááşááźááŻá¸á áŹá¸ááźááşá¸á áááşáá˝ááşááťááşáážááážááááááááŻááşáááŻáĄááŹááááźá áşáĄáąáŹááşááŻááşááźááşá¸
By the effect or influence of alcohol or drugs
ááąá¸ááŻáśá¸á á˝á˛ááźááşá¸á áĄáááşá áá°á¸áá áşááąá¸ááŻáśá¸á á˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ áááŻá¸ááťááŻá¸ááťáŹá¸
Directly or indirectly by AIDS or ARC and HIV related diseases
áááŻááşáááŻááşááźá áşá áąá áá˝ááşáááŻááşáááźá áşá áą AIDS (áááŻáˇ) ARCá HIV á ááąáŹ ááąáŹááŤááťáŹá¸ááźáąáŹááˇáş áááááŻááşáážáŻááťáŹá¸
Pregnancy, childbirth (including surgical delivery), abortion, miscarriage and its related complications except miscarriage due to bodily injury as a direct result of an Accident.
áááąáŹáşáááááááŻááşáážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááŹáááˇáş áááŻááşáááşááťááşááťááźááşá¸áážáá˝á˛á áááŻááşáááşááąáŹááşááźááşá¸á áááąá¸áá˝áąá¸áá˝áŹá¸ááźááşá¸ (áá˝á˛á áááşáá˝áąá¸áá˝áŹá¸ááźááşá¸) áááŻááşáááşááťááşááťááźááşá¸á áááŻááşáááşááťááşááťááźááşá¸áážááˇáş áááşá¸ááá ášá áááşááťáŹá¸áážááˇáş áááşá ááşáááˇáş áááááŻááşááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸
Travelling on, or against medical advice
áááŹáááşá áááşá¸áá˝ážááşááťááşááťáŹá¸áážááˇáşáĄáᎠáááˇáşááťááşá áááŽá¸áá˝áŹá¸ááźááşá¸
For the purpose of obtaining treatment and medical check-up.
ááąá¸ááŻááážáŻááśáá°áááş áážááˇáş ááąá¸á á áşááąá¸áááşáĄáá˝ááş áááŽá¸áá˝áŹá¸ááźááşá¸
Physiological or psychosomatic disorders.
á áááşáááŻááşá¸áááŻááşáᏠááąáŹááŤááťáŹá¸ááźá áşáááˇáş á áááşááááşááźáááşáážáŻá á áááşááŹááşááťáážáŻá á áááşáá áĽáˇáşáááťáŹá¸ááźá áşáážáŻ á áááˇáş ááášáááŹááťáŹá¸
Engaging in sports or games in a professional capacity
áááŻááşááśáĄáŹá¸áá áŹá¸áá˝á˛ááťáŹá¸áá˝ááş áĄáŹá¸áá áŹá¸ (áááŻáˇ) ááááşá¸ááťáŹá¸áá˝ááş ááŤáááşáážáĽáşááźááŻááşááźááşá¸ááťáŹá¸
Dangerous and adventure activities eg. racing, motor rallies and competitions, mountaineering, rock climbing, and hiking/trekking, pot-holing, parachuting, sky diving, high diving and hot air balloon.
ááźááşá¸á áŽá¸ááźááŻááşáá˝á˛á ááąáŹáşááąáŹáşááŹá¸ááźááŻááşáá˝á˛á ááąáŹááşáááşááźááşá¸á ááťáąáŹááşááąáŹááşáááşááźááşá¸á áá˝ááşá¸áá°ááźááşá¸á ááąáá˛ááŻááşááťááźááşá¸á ááąááŽá¸ááŻááşááźááşá¸á ááąááŻááşááźááşá¸á áĄááźááˇáşááŻááşááźááşá¸á áĄááźááˇáşáááŻááşáááşáááŻá¸ááźááşá¸ áážááˇáş ááąáá°ááąáŹááşá¸á áŽá¸ááźááşá¸á áááˇáş áĄáášáááŹááşáážá áĄáŹá¸áá áŹá¸áááşá¸ááťáŹá¸ááž ááźá áşááąáŤáşááŹááąáŹ áááááŻááşáážáŻááťáŹá¸
Related to any illegal activities.
áááŹá¸ááááşááąáŹ ááŻááşááąáŹááşááťááşááťáŹá¸
Loss or damage to hired or leased equipment; testing of any kind of conveyance.
áááşáá°áááŻáˇááąáŹááşá ááş ááŹá¸áááşá¸ááŹá¸ááąáŹ (áááŻáˇ) áááşááąáŹááşááŹá¸ááąáŹ áá ášá ááşá¸ááááááŹááťáŹá¸ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
Employment on oversea in connection with any trade, employment or profession.
ááźááşáááŻááşáááşá¸áážááˇáş áááşá ááşáááˇáş ááŻááşáá˝ááşááźááşá¸ áĄááŻááşáĄáááŻááşááťáŹá¸
War, invasion, act of foreign enemy hostilities, civil war, rebellion, revolution, insurrection, strike, riot or civil commotion, terrorist
á á áşáá˝á˛á ááťá°á¸ááťáąáŹáşááźááşá¸á áá áşáááşáááŻááşááśááž ááťá°á¸ááťáąáŹáşáááşááąáŹááşááźááşá¸á ááźááşáá˝ááşá¸á á áşá ááŻááşáááşáážáŻá ááąáŹáşáážááşááąá¸á ááášáááźáážáŻá áĄáááááŻááşá¸ááááááşáážáąáŹááşáážáŻááťáŹá¸
Ionizing radiations or contamination by radioactivity, nuclear component
ááťá°áááŽá¸ááŹá¸ááąáŹááşá áŹááťáŹá¸ (áááŻáˇ) ááąááŽáááŻááášááááźá˝ á á˝ááˇáşáá áşáá ášá ááşá¸ááťáŹá¸ááž ááŹááşááąáŹááşááźááş (áááŻáˇ) áá áşáááşá¸ááťááşá áŽá¸áážáŻááťáŹá¸
Consequential loss or damage of any kind
áĄáááşááąáŹáşááźá፠áĄááźáąáŹááşá¸áĄááŹááťáŹá¸á ááąáŹááşáááşáá˝á˛ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸
Understanding Your Insurance Policy Journey
Duration of cover ranges from 1 day to a maximum of 31 consecutive days.
AYA Joy áááŽá¸áá˝áŹá¸áĄáŹáááśááᯠáĄáááşá¸ááŻáśá¸ á áááşááž áĄááťáŹá¸ááŻáśá¸ áá áááşáááşáááŻááşááŹááĄáá áááşáá°áááŻááşááŤáááşá
Period of insurance starts when you leave your home or starting point of journey in your Home Territory (provided the cover does not commence more than 24 hours prior to the scheduled departure time or cease more than 24 hours after the scheduled arrival at your Home Territory) to the time you return to your Home Territory or the expiry of the Period of Insurance, whichever is earlier.
áááşáááąáĄáááş áááŻáˇáááŻááş áĄáŹáááśáááşáá°ááŹáá˝ááş áááˇáşáá˝ááşá¸ááŹá¸áááˇáş á áááşáááˇáş ááąááŹááž á áááşáá˝ááşáá˝áŹáááˇáşáĄááťáááşáážá á (áááşáážááşááŹá¸áááˇáş áá˝ááşáá˝áŹááťáááşááááŻááşáᎠáá ááŹááŽáááş á áąáŹáááźá áşá áąá áááŽá¸ááąáŹááşáážááááˇáşááąááŹáááŻáˇ áá ááŹááŽáááşááąáŹááşááťáááźá áşá áą áĄááŹáĄáá˝ááş áĄááťáŻáśá¸ááááşááŤá) áááşáážááşááŹá¸ááąáŹ áááŻááşááąáŹááşááŹááąááŹáááŻáˇ ááąáŹááşáážááááˇáşáĄááťáááşáĄáá áĄááťáŻáśá¸áááşááŤáááşá
Premium should be paid in lump sum.
áááŽááŽááśááźáąá¸ááᯠáá áşááźáááşáááşá¸ááąá¸ááťáąáááŤáááşá
There is no renewal option for AYA Joy Travel Insurance policy.
áááŽá¸áá˝áŹá¸áĄáŹáááśááąáŤáşáá áŽáá˝ááş áááşáááşá¸áááŻá¸á áááááŻááşááŤá
You can change the travelling period or destination by giving us more than 1day notice before inception date. You should contact AYA SOMPO Customer Service â 09 777 100 555 or respective sale staffs.
áááŽá¸áá˝áŹá¸ááŹá áááŻáˇáááŻááş áŚá¸áááşááŹááąááŹááťáŹá¸ááᯠáááŽá¸á áĽáşáá áááşááŽáááşááááŻááşáááş áá ááŹáᎠááźááŻáááşáĄááááąá¸ááźááşá¸ááźááˇáş ááźáąáŹááşá¸áá˛áááŻááşááŤáááşá
This Policy does not cover losses which are specifically excluded under the Policy, for example, any pre-existing illness, suicide or attempted suicide, intentional self-injury, and influence of alcohol or drug etc. Note: This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions.
áááŽá¸áá˝áŹá¸áĄáŹáááśáĄááŹáĄáá˝ááşáááş ááąáŤáşáá áŽááž áááşáážááşááŹá¸ááąáŹ ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáş áĄááťááşááťáŹá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹáááˇáş ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸ááᯠáĄááŹáĄáá˝ááşáááąá¸ááŤá (áĽááᏠâ áážááááşá¸á á˝á˛ááąáŹááŤááášáááŹááťáŹá¸á áááááááŻááşááᯠáááşááąááźááşá¸ áááşááąáááşááźááŻá¸á áŹá¸ááźááşá¸á áááşáá˝ááşááťááşáážááážááááááááŻááşáááŻáĄááŹááááźá áşáĄáąáŹááşááŻááşááźááşá¸á ááąá¸ááŻáśá¸á á˝á˛ááźááşá¸á áĄáááşá áá°á¸áá áşááąá¸ááŻáśá¸á á˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ áááŻá¸ááťááŻá¸ááťáŹá¸) áážááşááťááş â ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáş áĄááťááşááťáŹá¸ááᯠááąáŤáşáá áŽáá˝ááş ááąáˇááŹáááŻááşááŤáááşá
Benefit | Necessary action / documents | |
---|---|---|
Basic | Accidental Death | Claim Form should be properly filled out to conduct a claim. The Claim Form can be downloaded here. In case claim happens, the customers are requested to submit the claim form, doctor recommendation, invoice from hospital and other documents. |
Medical, Hospital & Other expenses | ||
Personal Liability | This will be decided on a case by case basis. Claim Form / police report / estimation / medical invoice etc. | |
Option 1 | Hospital Allowance | Claim Form/ Doctor recommendation etc. |
Option 2 | Flight Delay | Claim Form/ Documentation to support the reason for the interruption of your trip etc. |
Option 3 | Baggage Delay | Claim Form/ Delayed Baggage report from the carrier concerned etc. |
Option 4 | Loss to Baggage and Personal Effects | Claim Form/ Receipt or Credit Card Statement to support the value of damaged items etc. |
áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş | áááŻáĄááşááąáŹ ááąáŹááşáá˝ááşááťááş / á áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ | |
---|---|---|
áĄááźáąááś | áááąáŹáşáá ááąááŻáśá¸áážáŻ | Claim Form ááᯠáááŽá¸ááá˝ááşáá˝áŹáᎠdownload ááŻááşááŹá¸ááąá¸áááş áááŻáĄááşááŤáááşá áĄáááşá ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááşáááŻáĄááşááŤá áááŹáááşá ááąáŹááşááśááťááşá ááąá¸ááŻáśáážáá˝áąááąáŹááşá¸ááśáá˝ážáŹáážááˇáş áĄááźáŹá¸á áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááźááˇáşá áŻáśá á˝áŹáááşáá˝ááşá¸á ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááŻááşááŤáááşá |
ááąá¸ááŻáá ááááşá ááąá¸ááŻáśá ááááşáážááˇáş áĄááźáŹá¸áĄááŻáśá¸á ááááşááťáŹá¸ | ||
áá áşááŤá¸áá°áááááŻááşáá áşááŹááźááşá¸ | áááąáŹáşáááážáŻááąáŤáşáá°áááşááŤáááşá ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áá˛áĄá áŽáááşááśá Ꮰ/ áááˇáşáážááşá¸ááťááş / ááąá¸áááşáááŻááşááŹáá˝áąááąáŹááşá¸ááśáá˝ážáŹ á áááşáááŻáˇ áááŻáĄááşááŤáááşá | |
áá˝áąá¸ááťááşáážáŻ á | ááąá¸ááŻáśááąáŹááşááśáˇááźáąá¸ | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áááŹáááşáááąáŹááşááśááťááşá áááşáááŻáˇ áááŻáĄááşááŤáááşá |
áá˝áąá¸ááťááşáážáŻ á | ááąááŹááşááťáááş áážáąáŹááˇáşáážáąá¸ááźááşá¸ | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áááŽá¸ááᯠáĄáážáąáŹááˇáşáĄáážááşááźá áşá áąáááˇáş áĄááźáąáŹááşá¸áĄáááşá¸ áĄááąáŹááşáĄááŹá¸ááťáŹá¸ á áááşáááŻáˇ áááŻáĄááşááŤáááşá |
áá˝áąá¸ááťááşáážáŻ á | áááŽá¸ááąáŹááşáĄáááşááąáŹááşááťááźááşá¸ | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áááşáááŻááşááŹááž áĄáááşááąáŹááşááťááźááşá¸ áĄá áŽáááşááśá áŹáááŻáˇ áááŻáĄááşááŤáááşá |
áá˝áąá¸ááťááşáážáŻ á | áááŽá¸ááąáŹááşáĄáááşááťáŹá¸áážááˇáş áááŻááşááąá¸áááŻááşáᏠáĄááťááşáĄáááşááťáŹá¸ ááŻáśá¸áážáŻáśá¸áážáŻ | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / ááťááşá áŽá¸áá˝áŹá¸ááąáŹáá ášá ááşá¸ááťáŹá¸á áááşáááŻá¸ááᯠááźááşááąá¸áááş Receipt áááŻáˇ Credit Card áĄááťááşáĄáááşáááŻáˇ áááŻáĄááşááŤáááşá |
Duty Of Disclosure Where the Insured person has applied for this Insurance wholly for purposes unrelated to lnsured personâs trade, business or profession, Insured person had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Insured person applied for this insurance). Insured person should have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of Life lnsured personâs contract of insurance, refusal or reduction of claim(s), change of terms or termination of contract of insurance. Insured person was also required to disclose any other matter that the Insured person knew to be relevant to The Companyâs decision in accepting the risks and determining the rates and terms to be applied. Insured person also have a duty to tell The Company immediately if at any time after Life insured personâs contract of insurance has been entered into, varied or renewed with The Company any of the information given in the Proposal Form (or when Life Insured applied for this insurance) is inaccurate or has changed.
áĄáŹáááśááŹá¸áá°á áĄááŻááşáĄáááŻááşá á áŽá¸áá˝áŹá¸ááąá¸ááŻááşáááşá¸ááťáŹá¸áážááˇáş ááááşáááŻááşááąáŹ áááşáá˝ááşááťááşááťáŹá¸ááźááˇáş áĄáŹáááśáááşáá°áááşáááŻááŤá Proposal Form (áĄáááŻááźáŻáá˝ážáŹ) áá˝ááş áážááşáááşááąáŹ áĄááťááşáĄáááşááťáŹá¸ááᯠááźááˇáşáá˝ááşá¸áááş áááŻáĄááşááŤáááşá áĄáŹáááśááŹá¸áá°áááş ááąá¸áá˝ááşá¸ááťáŹá¸ááᯠáážááşáááşá á˝áŹáážááˇáş ááááťá á˝áŹ ááźáąááąá¸áááş áááŻáĄááşááŤáááşá ááąá¸áá˝ááşá¸ááťáŹá¸áĄáŹá¸ áážááşáááşá á˝áŹ ááźáąáááŻááźááşá¸ááážáááŤá áĄáŹáááśááąáŤáşáá áŽáĄáŹá¸ ááźááşá¸áááşááźááşá¸á ááťáąáŹáşááźáąá¸ááźááşá¸áááşááźááşá¸áážááˇáş áĄáŹáááśááąáŤáşáá áŽááťááşááááşá¸ááźááşá¸ááťáŹá¸áĄáŹá¸ ááźáŻááŻááşáááŻááşááŤáááşá áĄáŹáááśááŹá¸áá°áááşááž ááŻáášáááŽá ááŻáśá¸ááźááşááťááşááťáŹá¸á áĄáášáááŹááşááᯠáááşááśáááŻááşáááˇáş áĄáááŻááşá¸áĄááŹáážááˇáş áááşáážááşááťááşááťáŹá¸ á ááşá¸ááťáĽáşá¸á ááşá¸áááşá¸ááťáŹá¸ááᯠáááážáááŹá¸áááş áááŻáĄááşáááşá áĄáŹáááśááŹá¸áá°áááş áĄáááşáĄáŹáááśááŹá¸áážáááźááşá¸á Proposal Form ááŤáĄááťááşáĄáááşááťáŹá¸ ááźáąáŹááşá¸áá˛ááźááşá¸ááťáŹá¸ (áááŻáˇ) áĄáááşáĄáŹáááśááŹá¸áážááá°áááş áááŽá¸áá˝áŹá¸áĄáŹáááśááŹá¸áááşáááŻááŤá ááŻáášáááŽááᯠááťááşááťááşá¸áĄááźáąáŹááşá¸ááźáŹá¸ááąá¸áááş áááŻáĄááşááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
Duration of cover ranges from 1 day to a maximum of 31 consecutive days.
AYA Joy áááŽá¸áá˝áŹá¸áĄáŹáááśááᯠáĄáááşá¸ááŻáśá¸ á áááşááž áĄááťáŹá¸ááŻáśá¸ áá áááşáááşáááŻááşááŹááĄáá áááşáá°áááŻááşááŤáááşá
Period of insurance starts when you leave your home or starting point of journey in your Home Territory (provided the cover does not commence more than 24 hours prior to the scheduled departure time or cease more than 24 hours after the scheduled arrival at your Home Territory) to the time you return to your Home Territory or the expiry of the Period of Insurance, whichever is earlier.
áááşáááąáĄáááş áááŻáˇáááŻááş áĄáŹáááśáááşáá°ááŹáá˝ááş áááˇáşáá˝ááşá¸ááŹá¸áááˇáş á áááşáááˇáş ááąááŹááž á áááşáá˝ááşáá˝áŹáááˇáşáĄááťáááşáážá á (áááşáážááşááŹá¸áááˇáş áá˝ááşáá˝áŹááťáááşááááŻááşáᎠáá ááŹááŽáááş á áąáŹáááźá áşá áąá áááŽá¸ááąáŹááşáážááááˇáşááąááŹáááŻáˇ áá ááŹááŽáááşááąáŹááşááťáááźá áşá áą áĄááŹáĄáá˝ááş áĄááťáŻáśá¸ááááşááŤá) áááşáážááşááŹá¸ááąáŹ áááŻááşááąáŹááşááŹááąááŹáááŻáˇ ááąáŹááşáážááááˇáşáĄááťáááşáĄáá áĄááťáŻáśá¸áááşááŤáááşá
Premium should be paid in lump sum.
áááŽááŽááśááźáąá¸ááᯠáá áşááźáááşáááşá¸ááąá¸ááťáąáááŤáááşá
There is no renewal option for AYA Joy Travel Insurance policy.
áááŽá¸áá˝áŹá¸áĄáŹáááśááąáŤáşáá áŽáá˝ááş áááşáááşá¸áááŻá¸á áááááŻááşááŤá
You can change the travelling period or destination by giving us more than 1day notice before inception date. You should contact AYA SOMPO Customer Service â 09 777 100 555 or respective sale staffs.
áááŽá¸áá˝áŹá¸ááŹá áááŻáˇáááŻááş áŚá¸áááşááŹááąááŹááťáŹá¸ááᯠáááŽá¸á áĽáşáá áááşááŽáááşááááŻááşáááş áá ááŹáᎠááźááŻáááşáĄááááąá¸ááźááşá¸ááźááˇáş ááźáąáŹááşá¸áá˛áááŻááşááŤáááşá
This Policy does not cover losses which are specifically excluded under the Policy, for example, any pre-existing illness, suicide or attempted suicide, intentional self-injury, and influence of alcohol or drug etc. Note: This list is non-exhaustive. Please refer to the Policy Wording for the full list of exclusions.
áááŽá¸áá˝áŹá¸áĄáŹáááśáĄááŹáĄáá˝ááşáááş ááąáŤáşáá áŽááž áááşáážááşááŹá¸ááąáŹ ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáş áĄááťááşááťáŹá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹáááˇáş ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸ááᯠáĄááŹáĄáá˝ááşáááąá¸ááŤá (áĽááᏠâ áážááááşá¸á á˝á˛ááąáŹááŤááášáááŹááťáŹá¸á áááááááŻááşááᯠáááşááąááźááşá¸ áááşááąáááşááźááŻá¸á áŹá¸ááźááşá¸á áááşáá˝ááşááťááşáážááážááááááááŻááşáááŻáĄááŹááááźá áşáĄáąáŹááşááŻááşááźááşá¸á ááąá¸ááŻáśá¸á á˝á˛ááźááşá¸á áĄáááşá áá°á¸áá áşááąá¸ááŻáśá¸á á˝á˛áážáŻááźáąáŹááˇáş ááźá áşááąáŤáşááąáŹ áááŻá¸ááťááŻá¸ááťáŹá¸) áážááşááťááş â ááťáąáŹáşááźáąá¸áĄááťáŻáśá¸ááááşáááˇáş áĄááťááşááťáŹá¸ááᯠááąáŤáşáá áŽáá˝ááş ááąáˇááŹáááŻááşááŤáááşá
Benefit | Necessary action / documents | |
---|---|---|
Basic | Accidental Death | Claim Form should be properly filled out to conduct a claim. The Claim Form can be downloaded here. In case claim happens, the customers are requested to submit the claim form, doctor recommendation, invoice from hospital and other documents. |
Medical, Hospital & Other expenses | ||
Personal Liability | This will be decided on a case by case basis. Claim Form / police report / estimation / medical invoice etc. | |
Option 1 | Hospital Allowance | Claim Form/ Doctor recommendation etc. |
Option 2 | Flight Delay | Claim Form/ Documentation to support the reason for the interruption of your trip etc. |
Option 3 | Baggage Delay | Claim Form/ Delayed Baggage report from the carrier concerned etc. |
Option 4 | Loss to Baggage and Personal Effects | Claim Form/ Receipt or Credit Card Statement to support the value of damaged items etc. |
áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáş | áááŻáĄááşááąáŹ ááąáŹááşáá˝ááşááťááş / á áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ | |
---|---|---|
áĄááźáąááś | áááąáŹáşáá ááąááŻáśá¸áážáŻ | Claim Form ááᯠáááŽá¸ááá˝ááşáá˝áŹáᎠdownload ááŻááşááŹá¸ááąá¸áááş áááŻáĄááşááŤáááşá áĄáááşá ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááşáááŻáĄááşááŤá áááŹáááşá ááąáŹááşááśááťááşá ááąá¸ááŻáśáážáá˝áąááąáŹááşá¸ááśáá˝ážáŹáážááˇáş áĄááźáŹá¸á áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááźááˇáşá áŻáśá á˝áŹáááşáá˝ááşá¸á ááťáąáŹáşááźáąá¸ááąáŹááşá¸ááśáááŻááşááŤáááşá |
ááąá¸ááŻáá ááááşá ááąá¸ááŻáśá ááááşáážááˇáş áĄááźáŹá¸áĄááŻáśá¸á ááááşááťáŹá¸ | ||
áá áşááŤá¸áá°áááááŻááşáá áşááŹááźááşá¸ | áááąáŹáşáááážáŻááąáŤáşáá°áááşááŤáááşá ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áá˛áĄá áŽáááşááśá Ꮰ/ áááˇáşáážááşá¸ááťááş / ááąá¸áááşáááŻááşááŹáá˝áąááąáŹááşá¸ááśáá˝ážáŹ á áááşáááŻáˇ áááŻáĄááşááŤáááşá | |
áá˝áąá¸ááťááşáážáŻ á | ááąá¸ááŻáśááąáŹááşááśáˇááźáąá¸ | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áááŹáááşáááąáŹááşááśááťááşá áááşáááŻáˇ áááŻáĄááşááŤáááşá |
áá˝áąá¸ááťááşáážáŻ á | ááąááŹááşááťáááş áážáąáŹááˇáşáážáąá¸ááźááşá¸ | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áááŽá¸ááᯠáĄáážáąáŹááˇáşáĄáážááşááźá áşá áąáááˇáş áĄááźáąáŹááşá¸áĄáááşá¸ áĄááąáŹááşáĄááŹá¸ááťáŹá¸ á áááşáááŻáˇ áááŻáĄááşááŤáááşá |
áá˝áąá¸ááťááşáážáŻ á | áááŽá¸ááąáŹááşáĄáááşááąáŹááşááťááźááşá¸ | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / áááşáááŻááşááŹááž áĄáááşááąáŹááşááťááźááşá¸ áĄá áŽáááşááśá áŹáááŻáˇ áááŻáĄááşááŤáááşá |
áá˝áąá¸ááťááşáážáŻ á | áááŽá¸ááąáŹááşáĄáááşááťáŹá¸áážááˇáş áááŻááşááąá¸áááŻááşáᏠáĄááťááşáĄáááşááťáŹá¸ ááŻáśá¸áážáŻáśá¸áážáŻ | ááťáąáŹáşááźáąá¸ááťážáąáŹááşáá˝ážáŹááŻáśá áś / ááťááşá áŽá¸áá˝áŹá¸ááąáŹáá ášá ááşá¸ááťáŹá¸á áááşáááŻá¸ááᯠááźááşááąá¸áááş Receipt áááŻáˇ Credit Card áĄááťááşáĄáááşáááŻáˇ áááŻáĄááşááŤáááşá |
Duty Of Disclosure Where the Insured person has applied for this Insurance wholly for purposes unrelated to lnsured personâs trade, business or profession, Insured person had a duty to take reasonable care not to make a misrepresentation in answering the questions in the Proposal Form (or when Insured person applied for this insurance). Insured person should have answered the questions fully and accurately. Failure to have taken reasonable care in answering the questions may result in avoidance of Life lnsured personâs contract of insurance, refusal or reduction of claim(s), change of terms or termination of contract of insurance. Insured person was also required to disclose any other matter that the Insured person knew to be relevant to The Companyâs decision in accepting the risks and determining the rates and terms to be applied. Insured person also have a duty to tell The Company immediately if at any time after Life insured personâs contract of insurance has been entered into, varied or renewed with The Company any of the information given in the Proposal Form (or when Life Insured applied for this insurance) is inaccurate or has changed.
áĄáŹáááśááŹá¸áá°á áĄááŻááşáĄáááŻááşá á áŽá¸áá˝áŹá¸ááąá¸ááŻááşáááşá¸ááťáŹá¸áážááˇáş ááááşáááŻááşááąáŹ áááşáá˝ááşááťááşááťáŹá¸ááźááˇáş áĄáŹáááśáááşáá°áááşáááŻááŤá Proposal Form (áĄáááŻááźáŻáá˝ážáŹ) áá˝ááş áážááşáááşááąáŹ áĄááťááşáĄáááşááťáŹá¸ááᯠááźááˇáşáá˝ááşá¸áááş áááŻáĄááşááŤáááşá áĄáŹáááśááŹá¸áá°áááş ááąá¸áá˝ááşá¸ááťáŹá¸ááᯠáážááşáááşá á˝áŹáážááˇáş ááááťá á˝áŹ ááźáąááąá¸áááş áááŻáĄááşááŤáááşá ááąá¸áá˝ááşá¸ááťáŹá¸áĄáŹá¸ áážááşáááşá á˝áŹ ááźáąáááŻááźááşá¸ááážáááŤá áĄáŹáááśááąáŤáşáá áŽáĄáŹá¸ ááźááşá¸áááşááźááşá¸á ááťáąáŹáşááźáąá¸ááźááşá¸áááşááźááşá¸áážááˇáş áĄáŹáááśááąáŤáşáá áŽááťááşááááşá¸ááźááşá¸ááťáŹá¸áĄáŹá¸ ááźáŻááŻááşáááŻááşááŤáááşá áĄáŹáááśááŹá¸áá°áááşááž ááŻáášáááŽá ááŻáśá¸ááźááşááťááşááťáŹá¸á áĄáášáááŹááşááᯠáááşááśáááŻááşáááˇáş áĄáááŻááşá¸áĄááŹáážááˇáş áááşáážááşááťááşááťáŹá¸ á ááşá¸ááťáĽáşá¸á ááşá¸áááşá¸ááťáŹá¸ááᯠáááážáááŹá¸áááş áááŻáĄááşáááşá áĄáŹáááśááŹá¸áá°áááş áĄáááşáĄáŹáááśááŹá¸áážáááźááşá¸á Proposal Form ááŤáĄááťááşáĄáááşááťáŹá¸ ááźáąáŹááşá¸áá˛ááźááşá¸ááťáŹá¸ (áááŻáˇ) áĄáááşáĄáŹáááśááŹá¸áážááá°áááş áááŽá¸áá˝áŹá¸áĄáŹáááśááŹá¸áááşáááŻááŤá ááŻáášáááŽááᯠááťááşááťááşá¸áĄááźáąáŹááşá¸ááźáŹá¸ááąá¸áááş áááŻáĄááşááŤáááşá
Understanding Your Insurance Policy Journey
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : BENEFITS
Understanding Your Insurance Policy Journey
A wider insurance coverage than standard Fire Insurance. All perils are covered unless it is excluded in the policy terms.
ááŹáááşááŽá¸áĄáŹáááśáááş áááŻáááŻááťááşááźááˇáşááąáŹáĄááŹáĄáá˝ááş (áĄáŹáááśá áŹááťáŻááşáá˝ááş ááŤáááşááźááşá¸ááážáááąáŹ áĄáášáááŹááşááťáŹá¸ááž áá˝á˛á)
Flexible in choosing preferred covers with favorable premium rate compared to standard Fire Insurance.
ááŹáááşááŽá¸áĄáŹáááśáááş áááŻáááŻááąáŹááşá¸áá˝ááşááąáŹ áááŽááŽááśáážáŻááşá¸ááŹá¸ááźááˇáş áážá áşáááşááŹáĄááŹáĄáá˝ááşááťáŹá¸ááᯠáá˝áąá¸ááťááşáááŻááşááźááşá¸
Flexible Terms & Conditions (adjusting deductible, sub limits and premium)
áááŻáááŻáááˇáşáááˇáş ááąáŹááşá¸áá˝ááşááąáŹ áááşáážááşááťááşááťáŹá¸ (áážáŻááşááźááşáá˝áąá Sublimit áážááˇáş áĄáŹáááśááźáąá¸áĄáŹá¸ áážááážááŻááşá¸áááŻááşááźááşá¸)
Understanding Your Insurance Policy Journey
BENEFITS
NEXT : ELIGIBILITY
A wider insurance coverage than standard Fire Insurance. All perils are covered unless it is excluded in the policy terms.
ááŹáááşááŽá¸áĄáŹáááśáááş áááŻáááŻááťááşááźááˇáşááąáŹáĄááŹáĄáá˝ááş (áĄáŹáááśá áŹááťáŻááşáá˝ááş ááŤáááşááźááşá¸ááážáááąáŹ áĄáášáááŹááşááťáŹá¸ááž áá˝á˛á)
Flexible in choosing preferred covers with favorable premium rate compared to standard Fire Insurance.
ááŹáááşááŽá¸áĄáŹáááśáááş áááŻáááŻááąáŹááşá¸áá˝ááşááąáŹ áááŽááŽááśáážáŻááşá¸ááŹá¸ááźááˇáş áážá áşáááşááŹáĄááŹáĄáá˝ááşááťáŹá¸ááᯠáá˝áąá¸ááťááşáááŻááşááźááşá¸
Flexible Terms & Conditions (adjusting deductible, sub limits and premium)
áááŻáááŻáááˇáşáááˇáş ááąáŹááşá¸áá˝ááşááąáŹ áááşáážááşááťááşááťáŹá¸ (áážáŻááşááźááşáá˝áąá Sublimit áážááˇáş áĄáŹáááśááźáąá¸áĄáŹá¸ áážááážááŻááşá¸áááŻááşááźááşá¸)
Understanding Your Insurance Policy Journey
Any person who has insurable interest (i.e., who owns a property or who has a legal obligation over safety of a property).
áĄáŹáááśááŹá¸áááŻááşáááˇáş áĄááťááŻá¸á
áŽá¸áá˝áŹá¸ (Insurable Interest) áážááááˇáş áááşáá°áááᯠ(áááŻáááŻáááşáážáŹ áá
ášá
ááşá¸ áááŻááşáááŻááşáážáŻáážááá° áááŻáˇáááŻááş áááŻáá
ášá
ááşá¸á ááŻáśááźáŻáśáážáŻáĄáá˝ááş áááŹá¸áááşááŹáááşáážááá°)
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : PRODUCT HIGHLIGHTS
Any person who has insurable interest (i.e., who owns a property or who has a legal obligation over safety of a property).
áĄáŹáááśááŹá¸áááŻááşáááˇáş áĄááťááŻá¸á
áŽá¸áá˝áŹá¸ (Insurable Interest) áážááááˇáş áááşáá°áááᯠ(áááŻáááŻáááşáážáŹ áá
ášá
ááşá¸ áááŻááşáááŻááşáážáŻáážááá° áááŻáˇáááŻááş áááŻáá
ášá
ááşá¸á ááŻáśááźáŻáśáážáŻáĄáá˝ááş áááŹá¸áááşááŹáááşáážááá°)
Understanding Your Insurance Policy Journey
Premium Rating
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
Subject to following risk factors: COPEM áĄáąáŹááşááŤáĄááťááşáĄáááşááťáŹá¸áĄááąáŤáş áá°áááşá áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸ááᯠáááşáážááşááŤáááşá COPEM
Policy Term
Maximum policy term 1 year (Renewable on a yearly basis)
áĄáŹáááśáááşáááşá¸
áĄááťáŹá¸ááŻáśá¸ áĄáŹáááś áááşáááşá¸áážáŹ áá
áşáážá
áşáĄááááźá
áşááźáŽá¸ áážá
áşá
ááşáááşáááşá¸áááŻá¸áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHTS
NEXT : FAQ
Premium Rating áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
Subject to following risk factors: COPEM áĄáąáŹááşááŤáĄááťááşáĄáááşááťáŹá¸áĄááąáŤáş áá°áááşá áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸ááᯠáááşáážááşááŤáááşá COPEM
Policy Term
Maximum policy term 1 year (Renewable on a yearly basis)
áĄáŹáááśáááşáááşá¸
áĄááťáŹá¸ááŻáśá¸ áĄáŹáááś áááşáááşá¸áážáŹ áá
áşáážá
áşáĄááááźá
áşááźáŽá¸ áážá
áşá
ááşáááşáááşá¸áááŻá¸áááŻááşááŤáááşá
Understanding Your Insurance Policy Journey
Industrial All Risks cover not only all the â named perilsâ of fire insurance but also extends to cover â accidental damageâ which could not be covered under fire insurance, only subject to specific exclusions of the policy. It also covers for sudden and unforeseen loss by any perils other than by exclusions.
á ááşáážáŻááŻááşáááşá¸áĄááŻáśá¸á áŻáśáĄáášáááŹááşáĄáŹáááśáááş ááŽá¸áĄáŹáááśáá˝ááş ááąáŹáşááźááŹá¸ááąáŹ áĄáášáááŹááşááťáŹá¸ááŹáá ááŽá¸áĄáŹáááśáá˝ááş áááŤáááşááąáŹ áááąáŹáşáááááááŻááşááťááşá áŽá¸áážáŻááťáŹá¸áááŻá፠áĄááŹáĄáá˝ááşááąá¸ááŤáááşá áĄáŹáááśá áŹááťáŻááşáá˝ááş áááˇáşáá˝ááşá¸áááŹá¸ááąáŹ áĄáášáááŹááşááťáŹá¸áážáĄá ááťážáąáŹáşáážááşá¸ááááąáŹáĄáášáááŹááşáĄááŻáśá¸á áŻáśááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
All buildings, all machineries, all furniture and stocks in the premises.
áĄááąáŹááşáĄáŚá¸á á ááşáá ášá ááşá¸á áááááąáŹááážááˇáş ááááŻááşáĄáá˝ááşá¸áážá ááŻááşáá ášá ááşá¸ááťáŹá¸ááᯠáĄáŹáááśááŹá¸áááŻááşááŤáááşá
Fire insurance covers losses from accidental fire, infectious fire, lightning, domestic gas explosion. Industrial All Risks insurance covers all perils unless the peril is excluded in policy.
ááŽá¸áĄáŹáááśáááş áááąáŹáşááááŽá¸á áá°á¸á ááşááŽá¸á áááŻá¸ááźááŻá¸áá áşáááŽá¸ááąáŹááşááźááşá¸áážááˇáş áĄáááşááŻáśá¸ááŹááşáá˝áąáˇáááŻá áááˇáşááąáŤááşáá˝á˛áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá á ááşáážáŻááŻááşáááşá¸áĄááŻáśá¸á áŻáśáĄáášáááŹááşáĄáŹáááśáááş áĄáŹáááśá áŹááťáŻááşáá˝ááş áááŤáááşáááˇáş áĄáášáááŹááşááťáŹá¸áážáĄá áĄááŻáśá¸á áŻáśááąáŹáĄáášáááŹááşááťáŹá¸ááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Industrial All Risks covers not only all the â named perilsâ of fire insurance but also extends to cover â accidental damageâ which could not be covered under fire insurance, only subject to specific exclusions of the policy. In addition, it also covers for sudden and unforeseen loss by any perils other than by exclusions as well.
á ááşáážáŻááŻááşáááşá¸áĄááŻáśá¸á áŻáśáĄáášáááŹááşáĄáŹáááśáááş ááŽá¸áĄáŹáááśáá˝ááş ááąáŹáşááźááŹá¸ááąáŹ áĄáášáááŹááşááťáŹá¸ááŹáá ááŽá¸áĄáŹáááśáá˝ááş áááŤáááşááąáŹ áááąáŹáşáááááááŻááşááťááşá áŽá¸áážáŻááťáŹá¸áááŻá፠áĄááŹáĄáá˝ááşááąá¸ááŤáááşá áĄáŹáááśá áŹááťáŻááşáá˝ááş áááˇáşáá˝ááşá¸áááŹá¸ááąáŹ áĄáášáááŹááşááťáŹá¸áážáĄá ááťážáąáŹáşáážááşá¸ááááąáŹáĄáášáááŹááşáĄááŻáśá¸á áŻáśááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
Industrial All Risks cover not only all the â named perilsâ of fire insurance but also extends to cover â accidental damageâ which could not be covered under fire insurance, only subject to specific exclusions of the policy. It also covers for sudden and unforeseen loss by any perils other than by exclusions.
á ááşáážáŻááŻááşáááşá¸áĄááŻáśá¸á áŻáśáĄáášáááŹááşáĄáŹáááśáááş ááŽá¸áĄáŹáááśáá˝ááş ááąáŹáşááźááŹá¸ááąáŹ áĄáášáááŹááşááťáŹá¸ááŹáá ááŽá¸áĄáŹáááśáá˝ááş áááŤáááşááąáŹ áááąáŹáşáááááááŻááşááťááşá áŽá¸áážáŻááťáŹá¸áááŻá፠áĄááŹáĄáá˝ááşááąá¸ááŤáááşá áĄáŹáááśá áŹááťáŻááşáá˝ááş áááˇáşáá˝ááşá¸áááŹá¸ááąáŹ áĄáášáááŹááşááťáŹá¸áážáĄá ááťážáąáŹáşáážááşá¸ááááąáŹáĄáášáááŹááşáĄááŻáśá¸á áŻáśááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
All buildings, all machineries, all furniture and stocks in the premises.
áĄááąáŹááşáĄáŚá¸á á ááşáá ášá ááşá¸á áááááąáŹááážááˇáş ááááŻááşáĄáá˝ááşá¸áážá ááŻááşáá ášá ááşá¸ááťáŹá¸ááᯠáĄáŹáááśááŹá¸áááŻááşááŤáááşá
Fire insurance covers losses from accidental fire, infectious fire, lightning, domestic gas explosion. Industrial All Risks insurance covers all perils unless the peril is excluded in policy.
ááŽá¸áĄáŹáááśáááş áááąáŹáşááááŽá¸á áá°á¸á ááşááŽá¸á áááŻá¸ááźááŻá¸áá áşáááŽá¸ááąáŹááşááźááşá¸áážááˇáş áĄáááşááŻáśá¸ááŹááşáá˝áąáˇáááŻá áááˇáşááąáŤááşáá˝á˛áážáŻááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá á ááşáážáŻááŻááşáááşá¸áĄááŻáśá¸á áŻáśáĄáášáááŹááşáĄáŹáááśáááş áĄáŹáááśá áŹááťáŻááşáá˝ááş áááŤáááşáááˇáş áĄáášáááŹááşááťáŹá¸áážáĄá áĄááŻáśá¸á áŻáśááąáŹáĄáášáááŹááşááťáŹá¸ááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Industrial All Risks covers not only all the â named perilsâ of fire insurance but also extends to cover â accidental damageâ which could not be covered under fire insurance, only subject to specific exclusions of the policy. In addition, it also covers for sudden and unforeseen loss by any perils other than by exclusions as well.
á ááşáážáŻááŻááşáááşá¸áĄááŻáśá¸á áŻáśáĄáášáááŹááşáĄáŹáááśáááş ááŽá¸áĄáŹáááśáá˝ááş ááąáŹáşááźááŹá¸ááąáŹ áĄáášáááŹááşááťáŹá¸ááŹáá ááŽá¸áĄáŹáááśáá˝ááş áááŤáááşááąáŹ áááąáŹáşáááááááŻááşááťááşá áŽá¸áážáŻááťáŹá¸áááŻá፠áĄááŹáĄáá˝ááşááąá¸ááŤáááşá áĄáŹáááśá áŹááťáŻááşáá˝ááş áááˇáşáá˝ááşá¸áááŹá¸ááąáŹ áĄáášáááŹááşááťáŹá¸áážáĄá ááťážáąáŹáşáážááşá¸ááááąáŹáĄáášáááŹááşáĄááŻáśá¸á áŻáśááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Understanding Your Insurance Policy Journey
DOMESTIC
ááźááşáá˝ááşá¸
Fire & Explosion
Coverage loss or damage caused by fire or explosion
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Overturning & Derailment
Coverage for overturning or derailment of land conveyance
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Discharge of Cargo
Coverage for discharge of cargo at a port of distress
ááááşáááşá¸áá˝ááş ááŻááşááťááźááşá¸
ááááşáááşá¸áá˝ááş ááŻááşááťááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Stranded, sunk, grounded or capsized
Coverage for vessel or craft being stranded, sunk, grounded or capsized
ááąáŹááşáááşááźááşá¸á áá áşááźáŻááşááźááşá¸áážááˇáş ááááşá¸áážáąáŹááşááźááşá¸
ááąáŹááşáááşááźááşá¸á áá
áşááźáŻááşááźááşá¸áážááˇáş ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Collision with External Object
Coverage for collision or contact of vessel/craft or conveyance with any external object other than water
ááźááşááážáĄááźáŹá¸áĄááŹááášááŻááťáŹá¸áážááşáˇ áááŻááşááááźááşá¸
ááąááŹááşáĄááťááşá¸ááťááşá¸áááŻááşááááźááşá¸á ááąáážáĄá ááźááşááážáĄááŹááášááŻááťáŹá¸ ááŹááąáŹááş áááááŻááşááááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
ADDITIONAL COVERAGE
áĄáááŻáĄááŹáĄáá˝ááş
Port of Arrival Cover
Coverage for 30 days before departure and 30 days before unloading at the port of arrival
ááááşáááşá¸áááŻááşááąáŹááş áĄáááŻáĄááŹáĄáá˝ááş (ááááşáááşá¸áááşáá˝ááşááźáąá¸)
ááá˝ááşáá˝áŹáááş áááş áá áážááˇáş ááááşáááşá¸á ááŻááşáááťáááş áááşáá áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
OVERSEA
ááźááşá
Fire & Explosion
Coverage loss or damage caused by fire or explosion
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Overturning & Derailment
Coverage for overturning or derailment of land conveyance
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Discharge Cover
Coverage for discharge of cargo at a port of distress
ááááşáááşá¸áá˝ááş ááŻááşááťááźááşá¸
ááááşáááşá¸áá˝ááş ááŻááşááťááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
General Average Sacrifice
Coverage for voluntary sacrifice of part of a vessel or cargo to safeguard the vessel or cargo from a common peril
General Average Sacrifice
áááşášááąáŹ áááŻáˇáááŻááş ááŻááşá ááşááᯠááťááąáŹááşááŹááąáŹááąá¸áĄáášáááŹááşááźáąáŹááˇáş ááŻáśá¸áážáŻáśá¸áážáŻáážááŹáá˝ááşáááş áááşášááąáŹ áááŻáˇáááŻááş ááŻááşáá áşá áááşáá áşáááŻááşá¸ááᯠááášááĄááťáąáŹááş á á˝ááˇáşáá˝ážááşáááŻááşáááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
General Average & Salvage Charges
Coverage to protect vessel against additional loss. (e.g. adding barrier to broken window, salvage company grounding ship)
General Average áážááˇáşáááşáá°á
ááąááŹááşáááŻááŹáá˝ááşááąá¸áááŻááşáááş áĄáááŻáááşááąáŹááşá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Rainwater Damage
Coverage for loss or damage caused by rainwater
áááŻá¸ááąááźáąáŹááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
áááŻá¸ááąááźáąáŹááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Stranded, sunk, grounded or capsized
Coverage for vessel or craft being stranded, sunk, grounded or capsized
ááąáŹááşáááşááźááşá¸á áá áşááźáŻááşááźááşá¸áážááˇáş ááááşá¸áážáąáŹááşááźááşá¸
ááąáŹááşáááşááźááşá¸á áá áşááźáŻááşááźááşá¸áážááˇáş ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Collision with external object
Coverage for collision or contact of vessel/craft or conveyance with any external object other than water
ááźááşááážáĄááźáŹá¸áĄááŹááášááŻááťáŹá¸áážááşáˇ áááŻááşááááźááşá¸
ááąááŹááşáĄááťááşá¸ááťááşá¸áááŻááşááááźááşá¸á ááąáážáĄá ááźááşááážáĄááŹááášááŻááťáŹá¸ ááŹááąáŹááş áááááŻááşááááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Jettison/Washing Overboard
Coverage for the intentional throwing overboard of part of the cargo in order to save the ship or its cargo.
ááąááŹááşááąáŤáşááž ááŻááşá ááşááťáŹá¸áááŻá á˝ááˇáşááźááşá¸
ááąááŹááş áááŻáˇáááŻááş áááşá¸áááŻááşá ááşááťáŹá¸ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻ áááşááŹá áąáááşáĄáá˝ááş ááŻááşá ááşááá áşá áááşáá áşáááŻááşá¸ááᯠáááşáá˝ááşááťááşáážááážá áá áşááťáááŻááşáááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Pirates, Thieves, & Non-Delivery
Coverage for the loss or damage caused by theft or pirates
áááşáááşááŹá¸ááźáááŻááşááźááşá¸ áážááˇáş áá°áááŻá¸áááŻá¸áá°ááźááşá¸
áááşáááşááŹá¸ááźáááŻááşááźááşá¸áážááˇáş áá°áááŻá¸áááŻá¸áá°ááźááşá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Acts of God
Coverage for loss or damage caused by earthquake, volcanic eruption or lightning
áááŹáááąá¸áĄáášáááŹááş
ááźáąáááťááşáážáŻááşááźááşá¸á ááŽá¸ááąáŹááşááąáŤááşáá˝á˛ááźááşá¸ (áááŻáˇáááŻááş) áááŻá¸ááźááŻá¸áá áşááźááşá¸á áááşáááŻáˇááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Entry of Water
Coverage for loss or damage caused by entry of sea, lake or river water into vessel,craft, hold, conveyance, container, lift van or place of storage
ááąáááşááźááşá¸
ááąááŹááşá áá˝ááşááááşááŹá áááŻáážáąáŹááşáááˇáşááąááŹáá˛áááŻáˇ áááşáááşááąá áááşááą (áááŻáˇáááŻááş) ááźá áşááąáááşááąáŹááşááźááşá¸ááźáąáŹááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Loss or Damage of Goods
Coverage for loss of any package lost overboard or dropped whilst loading onto or unloading from vessel
ááŻááşáá ášá ááşá¸ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
ááąááŹááşááąáŤáşáážááŻááşáááşáááŻááşááťááźáŻááŻááşááŹáá˝ááş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : BENEFITS
DOMESTIC
ááźááşáá˝ááşá¸
Fire & Explosion
Coverage loss or damage caused by fire or explosion
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Overturning & Derailment
Coverage for overturning or derailment of land conveyance
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Discharge of Cargo
Coverage for discharge of cargo at a port of distress
ááááşáááşá¸áá˝ááş ááŻááşááťááźááşá¸
ááááşáááşá¸áá˝ááş ááŻááşááťááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Stranded, sunk, grounded or capsized
Coverage for vessel or craft being stranded, sunk, grounded or capsized
ááąáŹááşáááşááźááşá¸á áá áşááźáŻááşááźááşá¸áážááˇáş ááááşá¸áážáąáŹááşááźááşá¸
ááąáŹááşáááşááźááşá¸á áá áşááźáŻááşááźááşá¸áážááˇáş ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Collision with External Object
Coverage for collision or contact of vessel/craft or conveyance with any external object other than water
ááźááşááážáĄááźáŹá¸áĄááŹááášááŻááťáŹá¸áážááşáˇ áááŻááşááááźááşá¸
ááąááŹááşáĄááťááşá¸ááťááşá¸áááŻááşááááźááşá¸á ááąáážáĄá ááźááşááážáĄááŹááášááŻááťáŹá¸ ááŹááąáŹááş áááááŻááşááááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Port of Arrival Cover
Coverage for 30 days before departure and 30 days before unloading at the port of arrival
ááááşáááşá¸áááŻááşááąáŹááş áĄáááŻáĄááŹáĄáá˝ááş (ááááşáááşá¸áááşáá˝ááşááźáąá¸)
ááá˝ááşáá˝áŹáááş áááş áá áážááˇáş ááááşáááşá¸á ááŻááşáááťáááş áááşáá áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
OVERSEA
ááźááşá
Fire & Explosion
Coverage loss or damage caused by fire or explosion
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸
áááąáŹáşááááŹá¸áááŻááşááááźááşá¸á ááŽá¸ááąáŹááşááźááşá¸áážááˇáş áááŻá¸ááźááŻá¸áá áşááźááşá¸áááŻáˇááźáąáŹááˇáş áááááááŻááşáááŻááşááŹááş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸ (áĄáŹáááśááŹá¸ááąáŹ ááŹááşáááşáááŻá¸áĄááťáŹá¸ááŻáśá¸áĄáá ááážááááŻááşááŤáááş)ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Overturning & Derailment
Coverage for overturning or derailment of land conveyance
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Discharge Cover
Coverage for discharge of cargo at a port of distress
ááááşáááşá¸áá˝ááş ááŻááşááťááźááşá¸
ááááşáááşá¸áá˝ááş ááŻááşááťááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
General Average Sacrifice
Coverage for voluntary sacrifice of part of a vessel or cargo to safeguard the vessel or cargo from a common peril
General Average Sacrifice
áááşášááąáŹ áááŻáˇáááŻááş ááŻááşá ááşááᯠááťááąáŹááşááŹááąáŹááąá¸áĄáášáááŹááşááźáąáŹááˇáş ááŻáśá¸áážáŻáśá¸áážáŻáážááŹáá˝ááşáááş áááşášááąáŹ áááŻáˇáááŻááş ááŻááşáá áşá áááşáá áşáááŻááşá¸ááᯠááášááĄááťáąáŹááş á á˝ááˇáşáá˝ážááşáááŻááşáááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
General Average & Salvage Charges
Coverage to protect vessel against additional loss. (e.g. adding barrier to broken window, salvage company grounding ship)
General Average áážááˇáşáááşáá°á
ááąááŹááşáááŻááŹáá˝ááşááąá¸áááŻááşáááş áĄáááŻáááşááąáŹááşá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Rainwater Damage
Coverage for loss or damage caused by rainwater
áááŻá¸ááąááźáąáŹááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
áááŻá¸ááąááźáąáŹááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Stranded, sunk, grounded or capsized
Coverage for vessel or craft being stranded, sunk, grounded or capsized
ááąáŹááşáááşááźááşá¸á áá áşááźáŻááşááźááşá¸áážááˇáş ááááşá¸áážáąáŹááşááźááşá¸
ááąáŹááşáááşááźááşá¸á áá áşááźáŻááşááźááşá¸áážááˇáş ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Collision with external object
Coverage for collision or contact of vessel/craft or conveyance with any external object other than water
ááźááşááážáĄááźáŹá¸áĄááŹááášááŻááťáŹá¸áážááşáˇ áááŻááşááááźááşá¸
ááąááŹááşáĄááťááşá¸ááťááşá¸áááŻááşááááźááşá¸á ááąáážáĄá ááźááşááážáĄááŹááášááŻááťáŹá¸ ááŹááąáŹááş áááááŻááşááááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Jettison/Washing Overboard
Coverage for the intentional throwing overboard of part of the cargo in order to save the ship or its cargo.
ááąááŹááşááąáŤáşááž ááŻááşá ááşááťáŹá¸áááŻá á˝ááˇáşááźááşá¸
ááąááŹááş áááŻáˇáááŻááş áááşá¸áááŻááşá ááşááťáŹá¸ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻ áááşááŹá áąáááşáĄáá˝ááş ááŻááşá ááşááá áşá áááşáá áşáááŻááşá¸ááᯠáááşáá˝ááşááťááşáážááážá áá áşááťáááŻááşáááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Pirates, Thieves, & Non-Delivery
Coverage for the loss or damage caused by theft or pirates
áááşáááşááŹá¸ááźáááŻááşááźááşá¸ áážááˇáş áá°áááŻá¸áááŻá¸áá°ááźááşá¸
áááşáááşááŹá¸ááźáááŻááşááźááşá¸áážááˇáş áá°áááŻá¸áááŻá¸áá°ááźááşá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Acts of God
Coverage for loss or damage caused by earthquake, volcanic eruption or lightning
áááŹáááąá¸áĄáášáááŹááş
ááźáąáááťááşáážáŻááşááźááşá¸á ááŽá¸ááąáŹááşááąáŤááşáá˝á˛ááźááşá¸ (áááŻáˇáááŻááş) áááŻá¸ááźááŻá¸áá áşááźááşá¸á áááşáááŻáˇááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Entry of Water
Coverage for loss or damage caused by entry of sea, lake or river water into vessel,craft, hold, conveyance, container, lift van or place of storage
ááąáááşááźááşá¸
ááąááŹááşá áá˝ááşááááşááŹá áááŻáážáąáŹááşáááˇáşááąááŹáá˛áááŻáˇ áááşáááşááąá áááşááą (áááŻáˇáááŻááş) ááźá áşááąáááşááąáŹááşááźááşá¸ááźáąáŹááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Loss or Damage of Goods
Coverage for loss of any package lost overboard or dropped whilst loading onto or unloading from vessel
ááŻááşáá ášá ááşá¸ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸
ááąááŹááşááąáŤáşáážááŻááşáááşáááŻááşááťááźáŻááŻááşááŹáá˝ááş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
DOMESTIC
ááźááşáá˝ááşá¸
Below illustration shows how Marine Cargo Insurance provides coverage for insured goods during ordinary course of transit on a single voyage.
ááąááźáąáŹááşá¸ááŻááşá ááşáĄáŹáááśáá˝ááş áááşáá°áááŻáˇááąáŹááşáááˇáşáááŽá¸á ááşáááşá¸ááźáąáŹááşá¸áá áşááťážáąáŹááş áĄáŹáááśááŹá¸ááąáŹááŻááşáá ášá ááşá¸ááťáŹá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááŻáśááᯠáĄáąáŹááşááąáŹáşááźááŤááŻáśáá˝ááşááźáááŹá¸ááŤáááşá
OVERSEA
ááźááşá
Below illustration shows how Marine Insurance policy provide different types of coverage during ordinary course of transit in a single voyage.
ááźááşáááąááźáąáŹááşá¸ááŻááşá ááşáĄáŹáááśáááş áááşáá°áááŻáˇááąáŹááşáááˇáşáááŽá¸á ááşáááşá¸ááźáąáŹááşá¸áá áşááťážáąáŹááş áĄáŹáááśááŹá¸ááąáŹááŻááşáá ášá ááşá¸ááťáŹá¸áĄáá˝ááş áá˝á˛ááźáŹá¸ááąáŹ áĄááŹáĄáá˝ááşáĄááťááŻá¸ááťááŻá¸ááąá¸ááŹá¸ááŻáśááᯠáĄáąáŹááşááąáŹáşááźááŤááŻáśáá˝ááş ááźáááŹá¸ááŤáááşá
Understanding Your Insurance Policy Journey
BENEFITS
NEXT : ELIGIBILITY
DOMESTIC
Below illustration shows how Marine Cargo Insurance provides coverage for insured goods during ordinary course of transit on a single voyage.
ááźááşáá˝ááşá¸
ááąááźáąáŹááşá¸ááŻááşá ááşáĄáŹáááśáá˝ááş áááşáá°áááŻáˇááąáŹááşáááˇáşáááŽá¸á ááşáááşá¸ááźáąáŹááşá¸áá áşááťážáąáŹááş áĄáŹáááśááŹá¸ááąáŹááŻááşáá ášá ááşá¸ááťáŹá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááŻáśááᯠáĄáąáŹááşááąáŹáşááźááŤááŻáśáá˝ááşááźáááŹá¸ááŤáááşá
OVERSEA
Below illustration shows how Marine Insurance policy provide different types of coverage during ordinary course of transit in a single voyage.
ááźááşá
ááźááşáááąááźáąáŹááşá¸ááŻááşá ááşáĄáŹáááśáááş áááşáá°áááŻáˇááąáŹááşáááˇáşáááŽá¸á ááşáááşá¸ááźáąáŹááşá¸áá áşááťážáąáŹááş áĄáŹáááśááŹá¸ááąáŹááŻááşáá ášá ááşá¸ááťáŹá¸áĄáá˝ááş áá˝á˛ááźáŹá¸ááąáŹ áĄááŹáĄáá˝ááşáĄááťááŻá¸ááťááŻá¸ááąá¸ááŹá¸ááŻáśááᯠáĄáąáŹááşááąáŹáşááźááŤááŻáśáá˝ááş ááźáááŹá¸ááŤáááşá
Understanding Your Insurance Policy Journey
Any person who owns a property or who has a legal obligation over safety of a property e.g., Owners of goods traded, Business owners, Manufacturers and Distributors, etc.
ááŻááşá ááş áááŻááşáááŻááşáá° áááŻáˇáááŻááş ááŻááşá ááşáááąá¸áááşá¸ááŻáśááźáŻáśááąá¸áĄáá˝ááş áĽáááąáááŻááşááŹááŹáááşááášáááŹá¸áážááá°á (áĽáááŹ- ááąáŹááşá¸áááşááąáŹááşááŹá¸áááˇáş ááŻááşáá ášá ááşá¸áááŻááşáážááşááťáŹá¸á ááŻááşáááşá¸áááŻááşáážááşááťáŹá¸á ááŻááşááŻááşáá°áážááˇáş ááźááˇáşááźá°á¸áá°ááťáŹá¸ á áááşáááŻáˇ ááŹá¸áážááááŻááşááŤáááşá)
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : BENEFITS
Any person who owns a property or who has a legal obligation over safety of a property e.g., Owners of goods traded, Business owners, Manufacturers and Distributors, etc.
ááŻááşá ááş áááŻááşáááŻááşáá° áááŻáˇáááŻááş ááŻááşá ááşáááąá¸áááşá¸ááŻáśááźáŻáśááąá¸áĄáá˝ááş áĽáááąáááŻááşááŹááŹáááşááášáááŹá¸áážááá°á (áĽáááŹ- ááąáŹááşá¸áááşááąáŹááşááŹá¸áááˇáş ááŻááşáá ášá ááşá¸áááŻááşáážááşááťáŹá¸á ááŻááşáááşá¸áááŻááşáážááşááťáŹá¸á ááŻááşááŻááşáá°áážááˇáş ááźááˇáşááźá°á¸áá°ááťáŹá¸ á áááşáááŻáˇ ááŹá¸áážááááŻááşááŤáááşá)
Understanding Your Insurance Policy Journey
Premium Rating
Calculated based on sum insured (cargo value)
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
áááŽááŽááśááᯠáĄáŹáááśááŹá¸áááşáˇáá˝áą (ááŻááşá
ááşáááşáááŻá¸) áĄááąáŤáşáá˝ááşáá°áááşááá˝ááşááťááşááŤáááşá
Subject to: áĄáąáŹááşááŤáááŻáˇááᯠáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŹá¸ááŤáááşá
Policy Term
Coverage is applicable for single voyage.
áĄáŹáááśáááşáááşá¸
áááŽá¸á
ááşáá
áşááźáąáŹááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHTS
NEXT : FAQ
Premium Rating
Calculated based on sum insured (cargo value)
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
áááŽááŽááśááᯠáĄáŹáááśááŹá¸áááşáˇáá˝áą (ááŻááşá
ááşáááşáááŻá¸) áĄááąáŤáşáá˝ááşáá°áááşááá˝ááşááťááşááŤáááşá
Subject to: áĄáąáŹááşááŤáááŻáˇááᯠáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŹá¸ááŤáááşá
Policy Term
Coverage is applicable for single voyage.
áĄáŹáááś áááşáááşá¸
áááŽá¸á
ááşáá
áşááźáąáŹááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Understanding Your Insurance Policy Journey
The coverage will give for total Loss Only (ICC-C )1.1.82.
You should contact to Customer Service â 09 777 100 555 or respective sale staffs for any changes. You would need to fill in the endorsement form and provide require documents.
áĄááŻáśá¸á áŻáś ááŻáśá¸áážáŻáśá¸ááźááşá¸ (ICC-C )1.1.82 áĄáá˝ááşáᏠáĄááŹáĄáá˝ááşááąá¸áážáŹ ááźá áşááŤáááşá
ááąááźáąáŹááşá¸ááŻááşá ááşáĄáŹáááśááąáŤáşáá áŽáááş áááŽá¸á ááşáá áşááźáąáŹááşá¸á áŹáĄáá˝ááşáᏠáĄááťáŻáśá¸áááşááŤáááşá á áááşáá˝ááşáá˝áŹááťáááşááž áááŻááşááąáŹááşáááˇáşááąááŹáĄáá áá˝áŹá¸ááąá ááşááŹááĄáá˝ááşá¸ áĄáŹáááśáĄááťáŻáśá¸áááşááŤáááşá (ááŻááşáá ášá ááşá¸áĄáááşáĄááťáá˝ááş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áážáśá¸áážáŻááťáŹá¸áĄáá˝ááş áĄááŹáĄáá˝ááşáááážááááŻááşááŤ)
The marine cargo insurance policy covers for only Single Voyage (One Trip). Insurance covers the period between the start of the checkout and the departure point. (Exclude loss or damage incurred while cargo loading/unloading)
áĄááźáąáŹááşá¸áĄáá˛áá áşá áŻáśáááŹáĄáá˝ááş Customer Service ááŻááşá¸ááśááŤááş áá-ááá ááá á á á áááŻáˇáááşáá˝ááşáááŻááşááŤáááş (áááŻáˇáááŻááş) áááşáááŻááşáᏠáĄááąáŹááşá¸áááşáááşá¸ááś áááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááŤáááşá Customer áááşááž áĄáŹáááśáážááˇáşáááşáááşááźáŽá¸ ááźááşáááşááźááşá¸/ ááźáąáŹááşá¸áá˛ááźááşá¸ááąáŹááşá¸áááŻáá˝ážáŹ ááᯠááźááˇáşááąá¸ááźáŽá¸ áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááąá¸áááşáááŻáĄááşááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
The coverage will give for total Loss Only (ICC-C )1.1.82.
You should contact to Customer Service â 09 777 100 555 or respective sale staffs for any changes. You would need to fill in the endorsement form and provide require documents.
áĄááŻáśá¸á áŻáś ááŻáśá¸áážáŻáśá¸ááźááşá¸ (ICC-C )1.1.82 áĄáá˝ááşáᏠáĄááŹáĄáá˝ááşááąá¸áážáŹ ááźá áşááŤáááşá
ááąááźáąáŹááşá¸ááŻááşá ááşáĄáŹáááśááąáŤáşáá áŽáááş áááŽá¸á ááşáá áşááźáąáŹááşá¸á áŹáĄáá˝ááşáᏠáĄááťáŻáśá¸áááşááŤáááşá á áááşáá˝ááşáá˝áŹááťáááşááž áááŻááşááąáŹááşáááˇáşááąááŹáĄáá áá˝áŹá¸ááąá ááşááŹááĄáá˝ááşá¸ áĄáŹáááśáĄááťáŻáśá¸áááşááŤáááşá (ááŻááşáá ášá ááşá¸áĄáááşáĄááťáá˝ááş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áážáśá¸áážáŻááťáŹá¸áĄáá˝ááş áĄááŹáĄáá˝ááşáááážááááŻááşááŤ)
The marine cargo insurance policy covers for only Single Voyage (One Trip). Insurance covers the period between the start of the checkout and the departure point. (Exclude loss or damage incurred while cargo loading/unloading)
áĄááźáąáŹááşá¸áĄáá˛áá áşá áŻáśáááŹáĄáá˝ááş Customer Service ááŻááşá¸ááśááŤááş áá-ááá ááá á á á áááŻáˇáááşáá˝ááşáááŻááşááŤáááş (áááŻáˇáááŻááş) áááşáááŻááşáᏠáĄááąáŹááşá¸áááşáááşá¸ááś áááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááŤáááşá Customer áááşááž áĄáŹáááśáážááˇáşáááşáááşááźáŽá¸ ááźááşáááşááźááşá¸/ ááźáąáŹááşá¸áá˛ááźááşá¸ááąáŹááşá¸áááŻáá˝ážáŹ ááᯠááźááˇáşááąá¸ááźáŽá¸ áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááąá¸áááşáááŻáĄááşááŤáááşá
Understanding Your Insurance Policy Journey
Fire & Explosion
Coverage loss or damage caused by Fire or Explosion
ááŽá¸ááąáŹááşááźááşá¸áážááˇáş ááąáŤááşáá˝á˛ááźááşá¸
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Overturning & Derailment
Coverage for overturning or derailment of land conveyance
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Collision with external object
Coverage for collision or contact of vessel craft or conveyance with any external object other than water
ááźááşááážáĄááźáŹá¸áĄááŹááášááŻááťáŹá¸áážááşáˇ áááŻááşááááźááşá¸
ááŹááşáĄááťááşá¸ááťááşá¸áááŻááşááááźááşá¸á ááąáážáĄá ááźááşááážáĄááŹááášááŻááťáŹá¸ ááŹááąáŹááş áááááŻááşááááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : BENEFITS
Fire & Explosion
ááŽá¸ááąáŹááşááźááşá¸áážááˇáş ááąáŤááşáá˝á˛ááźááşá¸
Coverage loss or damage caused by Fire or Explosion
ááŽá¸ááąáŹááşááźááşá¸ (áááŻáˇáááŻááş) ááąáŤááşáá˝á˛ááźááşá¸ááźáąáŹááˇáş ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻáĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Overturning & Derailment
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸
Coverage for overturning or derailment of land conveyance
áááşá¸ááťáąáŹáşááźááşá¸ (áááŻáˇáááŻááş) ááááşá¸áážáąáŹááşááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Collision with external object
ááźááşááážáĄááźáŹá¸áĄááŹááášááŻááťáŹá¸áážááşáˇ áááŻááşááááźááşá¸
Coverage for collision or contact of vessel craft or conveyance with any external object other than water
ááŹááşáĄááťááşá¸ááťááşá¸áááŻááşááááźááşá¸á ááąáážáĄá ááźááşááážáĄááŹááášááŻááťáŹá¸ ááŹááąáŹááş áááááŻááşááááźááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááźááşá¸
Understanding Your Insurance Policy Journey
Below illustration shows how Inland Transit Insurance provides coverage during ordinary course of transit on route.
ááŻááşá¸áááşá¸áááşáá°áááŻáˇááąáŹááşááąá¸áĄáŹáááśáááş áááşáá°áááŻáˇááąáŹááşáááˇáşáááŽá¸á ááşáááşá¸ááźáąáŹááşá¸áá áşááťážáąáŹááş áĄáŹáááśááŹá¸ááąáŹ ááŻááşáá ášá ááşá¸ááťáŹá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááŻáśááᯠáĄáąáŹááşááąáŹáşááźááŤááŻáśáá˝ááş ááźáááŹá¸ááŤáááşá
Note: Loss or damage due to loading or unloading of cargo is not covered during the voyage.
áááááźáŻáááş- ááŻááşá ááşáááşááąáŹááşááźááşá¸ áááŻáˇáááŻááş áááşááąáŹááşááźááşá¸ááťáŹá¸ááźáąáŹááˇáş ááťáąáŹááşááŻáśá¸ááźááşá¸ áááŻáˇáááŻááş ááťááşá áŽá¸ááźááşá¸ááťáŹá¸ááᯠáááŽá¸á ááşáĄáá˝ááşá¸ áĄááťáŻáśá¸ááááşááŤá
Understanding Your Insurance Policy Journey
BENEFITS
NEXT : ELIGIBILITY
Below illustration shows how Inland Transit Insurance provides coverage during ordinary course of transit on route.
ááŻááşá¸áááşá¸áááşáá°áááŻáˇááąáŹááşááąá¸áĄáŹáááśáááş áááşáá°áááŻáˇááąáŹááşáááˇáşáááŽá¸á ááşáááşá¸ááźáąáŹááşá¸áá áşááťážáąáŹááş áĄáŹáááśááŹá¸ááąáŹ ááŻááşáá ášá ááşá¸ááťáŹá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááŻáśááᯠáĄáąáŹááşááąáŹáşááźááŤááŻáśáá˝ááş ááźáááŹá¸ááŤáááşá
Note: Loss or damage due to loading or unloading of cargo is not covered during the voyage.
áááááźáŻáááş- ááŻááşá ááşáááşááąáŹááşááźááşá¸ áááŻáˇáááŻááş áááşááąáŹááşááźááşá¸ááťáŹá¸ááźáąáŹááˇáş ááťáąáŹááşááŻáśá¸ááźááşá¸ áááŻáˇáááŻááş ááťááşá áŽá¸ááźááşá¸ááťáŹá¸ááᯠáááŽá¸á ááşáĄáá˝ááşá¸ áĄááťáŻáśá¸ááááşááŤá
Understanding Your Insurance Policy Journey
Any person who owns a property or who has a legal obligation over safety of a property e.g., Owners of goods traded, Business owners, Manufacturers and Distributors, etc.
ááŻááşá ááş áááŻááşáááŻááşáá° áááŻáˇáááŻááş ááŻááşá ááşáááąá¸áááşá¸ááŻáśááźáŻáśááąá¸áĄáá˝ááş áĽáááąáááŻááşááŹááŹáááşááášáááŹá¸áážááá°á (áĽáááŹ- ááąáŹááşá¸áááşááąáŹááşááŹá¸áááˇáş ááŻááşáá ášá ááşá¸áááŻááşáážááşááťáŹá¸á ááŻááşáááşá¸áááŻááşáážááşááťáŹá¸á ááŻááşááŻááşáá°áážááˇáş ááźááˇáşááźá°á¸áá°ááťáŹá¸ á áááşáááŻáˇ ááŹá¸áážááááŻááşááŤáááşá)
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : BENEFITS
Any person who owns a property or who has a legal obligation over safety of a property e.g., Owners of goods traded, Business owners, Manufacturers and Distributors, etc.
ááŻááşá ááş áááŻááşáááŻááşáá° áááŻáˇáááŻááş ááŻááşá ááşáááąá¸áááşá¸ááŻáśááźáŻáśááąá¸áĄáá˝ááş áĽáááąáááŻááşááŹááŹáááşááášáááŹá¸áážááá°á (áĽáááŹ- ááąáŹááşá¸áááşááąáŹááşááŹá¸áááˇáş ááŻááşáá ášá ááşá¸áááŻááşáážááşááťáŹá¸á ááŻááşáááşá¸áááŻááşáážááşááťáŹá¸á ááŻááşááŻááşáá°áážááˇáş ááźááˇáşááźá°á¸áá°ááťáŹá¸ á áááşáááŻáˇ ááŹá¸áážááááŻááşááŤáááşá)
Understanding Your Insurance Policy Journey
Premium Rating
Calculated based on sum insured (cargo value)
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
áááŽááŽááśááᯠáĄáŹáááśááŹá¸áááşáˇáá˝áą (ááŻááşá
ááşáááşáááŻá¸) áĄááąáŤáşáá˝ááşáá°áááşááá˝ááşááťááşááŤáááşá
Subject to: áĄáąáŹááşááŤáááŻáˇááᯠáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŹá¸ááŤáááşá
Policy Term
Coverage is applicable for single voyage
áĄáŹáááśáááşáááşá¸
áááŽá¸á
ááşáá
áşááźáąáŹááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Understanding Your Insurance Policy Journey
PRODUCT HIGHLIGHTS
NEXT : FAQ
Premium Rating
Calculated based on sum insured (cargo value)
áĄáŹáááśááźáąá¸áážáŻááşá¸ááŹá¸
áááŽááŽááśááᯠáĄáŹáááśááŹá¸áááşáˇáá˝áą (ááŻááşá
ááşáááşáááŻá¸) áĄááąáŤáşáá˝ááşáá°áááşááá˝ááşááťááşááŤáááşá
Subject to: áĄáąáŹááşááŤáááŻáˇááᯠáá°áááşá áážáŻááşá¸ááŹá¸áááşáážááşááŹá¸ááŤáááşá
Policy Term
Coverage is applicable for single voyage
áĄáŹáááś áááşáááşá¸
áááŽá¸á
ááşáá
áşááźáąáŹááşá¸áĄáá˝ááş áĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Understanding Your Insurance Policy Journey
General Cargo, Dangerous Cargo (Diesel, Petro, Gas ..etc), Fragile Cargo
áĄáá˝áąáá˝áąááŻááşáá ášá ááşá¸ááťáŹá¸á ááŽá¸ááąáŹááşáá˝ááşááąáŹ ááŻááşáá ášá ááşá¸ááťáŹá¸ (ááŽáááşááŽá ááŤááşááŽá ááŤááşáá˝áąáˇ á áááˇáşááźááˇáş) áážááˇáş áá˝á˛áážáá˝ááşááąáŹ ááŻááşáá ášá ááşá¸ááťáŹá¸ááᯠáĄáŹáááśááŹá¸áážááááŻááşááŤáááşá
The inland transit insurance policy covers for only Single Voyage (One Trip). Insurance covers the period between the start of the checkout and the departure point. (exclude loss or damage incurred while cargo loading/unloading)
ááŻááşá¸áááşá¸áááşáá°áááŻáˇááąáŹááşááąá¸áĄáŹáááśáááş áááŽá¸á ááşáá áşááźáąáŹááşá¸á áŹáĄáá˝ááşáᏠáĄááťáŻáśá¸áááşááŤáááşá á áááşáá˝ááşáá˝áŹááťáááşááž áááŻááşááąáŹááşáááˇáşááąááŹáĄáá áá˝áŹá¸ááąá ááşááŹááĄáá˝ááşá¸ áĄáŹáááśáĄááťáŻáśá¸áááşááŤáááşá (ááŻááşáá ášá ááşá¸áĄáááşáĄááťáá˝ááş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áážáśá¸áážáŻááťáŹá¸áĄáá˝ááş áĄááŹáĄáá˝ááşáááážááááŻááşááŤ)
You should contact AYA SOMPO Customer Service â 09 777 100 555 or respective sale staffs for any changes. You would need to fill in the endorsement form and provide required documents.
áĄááźáąáŹááşá¸áĄáá˛áá áşá áŻáśáá áşááŹáĄáá˝ááş Customer Service ááŻááşá¸ááśááŤááş áá-ááá ááá á á á áááŻáˇáááşáá˝ááşáááŻááşááŤáááş (áááŻáˇáááŻááş) áááşáááŻááşáᏠáĄááąáŹááşá¸áááşáááşá¸ááś áááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááŤáááşá Customer áááşááž áĄáŹáááśáážááˇáşáááşáááşááźáŽá¸ ááźááşáááşááźááşá¸/ ááźáąáŹááşá¸áá˛ááźááşá¸ááąáŹááşá¸áááŻáá˝ážáŹ ááᯠááźááˇáşááąá¸ááźáŽá¸ áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááąá¸áááşáááŻáĄááşááŤáááşá
Understanding Your Insurance Policy Journey
FAQ
General Cargo, Dangerous Cargo (Diesel, Petro, Gas ..etc), Fragile Cargo
áĄáá˝áąáá˝áąááŻááşáá ášá ááşá¸ááťáŹá¸á ááŽá¸ááąáŹááşáá˝ááşááąáŹ ááŻááşáá ášá ááşá¸ááťáŹá¸ (ááŽáááşááŽá ááŤááşááŽá ááŤááşáá˝áąáˇ á áááˇáşááźááˇáş) áážááˇáş áá˝á˛áážáá˝ááşááąáŹ ááŻááşáá ášá ááşá¸ááťáŹá¸ááᯠáĄáŹáááśááŹá¸áážááááŻááşááŤáááşá
The inland transit insurance policy covers for only Single Voyage (One Trip). Insurance covers the period between the start of the checkout and the departure point. (exclude loss or damage incurred while cargo loading/unloading)
ááŻááşá¸áááşá¸áááşáá°áááŻáˇááąáŹááşááąá¸áĄáŹáááśáááş áááŽá¸á ááşáá áşááźáąáŹááşá¸á áŹáĄáá˝ááşáᏠáĄááťáŻáśá¸áááşááŤáááşá á áááşáá˝ááşáá˝áŹááťáááşááž áááŻááşááąáŹááşáááˇáşááąááŹáĄáá áá˝áŹá¸ááąá ááşááŹááĄáá˝ááşá¸ áĄáŹáááśáĄááťáŻáśá¸áááşááŤáááşá (ááŻááşáá ášá ááşá¸áĄáááşáĄááťáá˝ááş ááźá áşááąáŤáşááąáŹ ááŻáśá¸áážáśá¸áážáŻááťáŹá¸áĄáá˝ááş áĄááŹáĄáá˝ááşáááážááááŻááşááŤ)
You should contact AYA SOMPO Customer Service â 09 777 100 555 or respective sale staffs for any changes. You would need to fill in the endorsement form and provide required documents.
áĄááźáąáŹááşá¸áĄáá˛áá áşá áŻáśáá áşááŹáĄáá˝ááş Customer Service ááŻááşá¸ááśááŤááş áá-ááá ááá á á á áááŻáˇáááşáá˝ááşáááŻááşááŤáááş (áááŻáˇáááŻááş) áááşáááŻááşáᏠáĄááąáŹááşá¸áááşáááşá¸ááś áááşáá˝ááşáĄááźáąáŹááşá¸ááźáŹá¸áááŻááşááŤáááşá Customer áááşááž áĄáŹáááśáážááˇáşáááşáááşááźáŽá¸ ááźááşáááşááźááşá¸/ ááźáąáŹááşá¸áá˛ááźááşá¸ááąáŹááşá¸áááŻáá˝ážáŹ ááᯠááźááˇáşááąá¸ááźáŽá¸ áááŻáĄááşááąáŹá áŹáá˝ááşá áŹáááşá¸ááťáŹá¸ááᯠááąá¸áááşáááŻáĄááşááŤáááşá
Understanding Your Insurance Policy Journey
Provide insurance coverage for any damage that occurs during the construction process
ááąáŹááşááŻááşááąá¸ááŻááşáááşá¸áá˝ááşáĄáá˝ááşá¸ ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸ááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Material Damage:
Cover almost any sudden and unexpected material loss or damage occurring to the property insured on the site
áá ášá ááşá¸ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻ:
ááŻááşáááşá¸áá˝ááşáĄáá˝ááşá¸ áĄáŹáááśááŹá¸ááąáŹ áá ášá ááşá¸ááťáŹá¸ ááŻááşááááş áááťážáąáŹáşáááˇáşáᲠááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸ááťáŹá¸ááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Third Party Liability:
When the insured becomes legally liable to pay as damages consequent upon
(a) accidental bodily injury to or illness of third parties (whether fatal or not)
(b) accidental loss of or damage to property belonging to third parties
áá°áá áşááŤá¸ áááááŻááşáá áşááŹáážáŻáááŻááşááŹááŹáááşáá°áážáŻ: áĄáŹáááśááŹá¸áá°áááş áááąáŹáşáá ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááĄááťááŻá¸áááşáĄááąááźááˇáş áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşáážááááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸áĄáŹá¸ ááááąáĄá áááŹá¸áááşááąá¸ááąáŹááşááááˇáşáĄááťáááşáá˝ááş
(á) áá°áá áşááŤá¸áááááŻááşáááşááŹááážáááźááşá¸á ááŹáááťááşá¸ááźá áşááźááşá¸áážááˇáş áĄáááşááąááŻáśá¸ááźááşá¸
(á) áá°áá áşááŤá¸ááááŻááşáááŻááşáážáŻááťáŹá¸ áááąáŹáşáá ááŻáśá¸áážáŻáśá¸ááźááşá¸ áááŻáˇáááŻááş ááťááşá áŽá¸ááźááşá¸
Understanding Your Insurance Policy Journey
COVERAGE
NEXT : BENEFITS
Provide insurance coverage for any damage that occurs during the construction process
ááąáŹááşááŻááşááąá¸ááŻááşáááşá¸áá˝ááşáĄáá˝ááşá¸ ááźá áşááąáŤáşááŹááąáŹ ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸ááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
Material Damage:
áá ášá ááşá¸ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻ:
Cover almost any sudden and unexpected material loss or damage occurring to the property insured on the site
ááŻááşáááşá¸áá˝ááşáĄáá˝ááşá¸ áĄáŹáááśááŹá¸ááąáŹ áá ášá ááşá¸ááťáŹá¸ ááŻááşááááş áááťážáąáŹáşáááˇáşáᲠááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸ááźááşá¸ááťáŹá¸ááᯠáĄááŹáĄáá˝ááşááąá¸ááŤáááşá
ADDITIONAL COVERAGE
áĄááᯠáĄááŹáĄáá˝ááşááťáŹá¸
Third Party Liability:
When the insured becomes legally liable to pay as damages consequent upon
(a) accidental bodily injury to or illness of third parties (whether fatal or not)
(b) accidental loss of or damage to property belonging to third parties
áá°áá áşááŤá¸ áááááŻááşáá áşááŹáážáŻáááŻááşááŹááŹáááşáá°áážáŻ: áĄáŹáááśááŹá¸áá°áááş áááąáŹáşáá ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááĄááťááŻá¸áááşáĄááąááźááˇáş áĄááťááŻá¸ááśá áŹá¸áá˝ááˇáşáážááááˇáş ááťááşá áŽá¸ááŻáśá¸áážáŻáśá¸áážáŻááťáŹá¸áĄáŹá¸ ááááąáĄá áááŹá¸áááşááąá¸ááąáŹááşááááˇáşáĄááťáááşáá˝ááş
(á) áá°áá áşááŤá¸áááááŻááşáááşááŹááážáááźááşá¸á ááŹáááťááşá¸ááźá áşááźááşá¸áážááˇáş áĄáááşááąááŻáśá¸ááźááşá¸
(á) áá°áá áşááŤá¸ááááŻááşáááŻááşáážáŻááťáŹá¸ áááąáŹáşáá ááŻáśá¸áážáŻáśá¸ááźááşá¸ áááŻáˇáááŻááş ááťááşá áŽá¸ááźááşá¸
Understanding Your Insurance Policy Journey
Contractorâs All Risks (CAR)
Covers the risks during
áááşááááŻááşááŹáĄááŻáśá¸á áŻáśáĄáŹáááś (CAR)
áááşááááŻááşááŹáĄááŻáśá¸á áŻáśáĄáŹáááśáááş
Erection All Risks (EAR)
Covers the risks during
áááşááąáŹááşáááşáááşáážáŻáĄááŻáśá¸á áŻáśáĄáŹáááś (EAR)
áááşááąáŹááşáááşáááşáážáŻáĄááŻáśá¸á áŻáśáĄáŹáááśáááş
Understanding Your Insurance Policy Journey
BENEFITS
NEXT : ELIGIBILITY
Contractorâs All Risks (CAR)
Covers the risks during
áááşááááŻááşááŹáĄááŻáśá¸á áŻáśáĄáŹáááś (CAR)
áááşááááŻááşááŹáĄááŻáśá¸á áŻáśáĄáŹáááśáááş
Erection All Risks (EAR)
Covers the risks during
áááşááąáŹááşáááşáááşáážáŻáĄááŻáśá¸á áŻáśáĄáŹáááś (EAR)
áááşááąáŹááşáááşáááşáážáŻáĄááŻáśá¸á áŻáśáĄáŹáááśáááş
Understanding Your Insurance Policy Journey
Principal, Owner or Employer
áááŻááşá áŹá¸áážááşá áááŻááşáážááş áááŻáˇáááŻááş ááŻááşáááşá¸áážááş
Contractor
áááşááááŻááşááŹ
Sub-Contractor
áááşááááŻááşááŹáá˝á˛ááťáŹá¸
Consultant, Engineer
áĄáááŻááşáááşááśá áĄááşááťááşááŽááŹ
Understanding Your Insurance Policy Journey
ELIGIBILITY
NEXT : BENEFITS
Principal, Owner or Employer
áááŻááşá áŹá¸áážááşá áááŻááşáážááş áááŻáˇáááŻááş ááŻááşáááşá¸áážááş
Contractor
áááşááááŻááşááŹ
Sub-Contractor
áááşááááŻááşááŹáá˝á˛ááťáŹá¸
Consultant, Engineer
áĄáááŻááşáááşááśá áĄááşááťááşááŽááŹ
Understanding Your Insurance Policy Journey
Premium Rating
Based on Total Contract Value (TCV) upon completion which includes:
I. Engineering Costs
Cost of goods or works of suppliers (i.e., material cost) including:
II. Service Equipment Supplied by the Principal
Construction/Erection Period Works Period
Commences
Expires
At the time when the works are taken over by the principal or put into service or the date specified in the schedule
áĄáŹáááś áááşáááşá¸
áĄááťáŹá¸ááŻáśá¸ ááąáŤáşáá
Ꭰáááşáááşá¸áááş áá
áşáážá
áşáĄááááźá
áşááźáŽá¸ áážá
áşá
ááşáááşáááşá¸áááŻá¸áááŻááşááŤáááşá
*** áĄáááşá¸ááŻáśá¸ ááá áá áážááˇáş áá áĄáá ááŹá¸áááŻááşááŤáááşá
Policy Term
Maximum policy term 1 year (Renewable on a yearly basis)
áĄáŹáááś áááşáááşá¸
áĄááťáŹá¸ááŻáśá¸ ááąáŤáşáá
Ꭰáááşáááşá¸áááş áá
áşáážá
áşáĄááááźá
áşááźáŽá¸ áážá
áşá
ááşáááşáááşá¸áááŻá¸áááŻááşááŤáááşá
*** áĄáááşá¸ááŻáśá¸ ááá áá áážááˇáş áá áĄáá ááŹá¸áááŻááşááŤáááşá