Personal Accident and Medical Expense
MAIN BENEFITS
Payment of a lump sum in case of accidental permanent disability/death and medical expense
Accidental Death and Permanent Disability
Medical Expenses linked to the Accident
optional Funeral benefit
Capital in case of non-accidental death
ENROLLMENT ELIGIBILITY
Adult: between 18 (eighteen) and 65 (sixty-five) years old – applied to staffs and dependents
Child: between 1 (one) and 17 (seventeen) years old – applied to staffs and dependents
EXCLUSIONS
General Exclusions
- Consequences of suicide and self-injury;
- Death or disability causes by intentional actions of insured’s legal heir;
- Consequences of war, terrorism, riots/demonstration, commit criminal act;
- Consequences of quarrel;
- Consequences of drugs or alcohol consumption. Note: based on police or health facility reports;
- Consequences of Natural catastrophes, epidemics and pandemic declared by relevant authorities;
- Traffic accident due to abusing country traffic rule.
Specific Exclusions for Health risk benefits
- Inpatient treatment at a cabinet or nursing cabinet;
- Physiotherapy, cosmetic surgery or plastic surgery;
- Mobility aids or assistive devices for disabilities;
- Organ transplantation, hemodialysis and blood transfusion;
- Treatment performed by traditional healer;