Cover Accidental death, Injury and permanent disablement including accident media expenses.

Disappearance

If the body of the Insured Person is not found within one (1) year after the date of disappearance following sinking, wrecking or destruction of the aircraft or other conveyance in which the Insured Person was travelling in or We may at Our discretion decide whether there is ample proof to justify the disappearance. This Policy shall become payable up to the limit specified in the Policy Schedule under Section 1: Accidental death. If the Insured Person is subsequently found to be alive, such benefit shall be refunded to Us.

Natural Exposure

If following an Accident, the Insured Person is unavoidably exposed to the natural elements and results directly in permanent disablement or death, accident medical expenses incurred, this Policy shall pay up to the limit specified in the Policy Schedule.

Food Poisoning

This Policy is extended to cover the Insured Person for accidental food poisoning.

This Policy shall pay up to the limit specified in the Policy Schedule.

Suffocation by Smoke, Gas, Poisonous Fumes & Drowning

If the Insured Person sustains Injury due to suffocation by smoke, gas, poisonous fumes or drowning, this Policy shall pay up to the limit specified in the Policy Schedule.

Special Grant

This Policy shall pay up to the limit specified in the Policy Schedule for death from an illness.

Incremental Bonus

If the Policy is renewed for a period of twelve (12) months subsequent to the first period of insurance described in the Policy Schedule, then at each such renewal up to maximum of five (5) renewals, a renewal bonus of 5% of the original capital sum insured selected at the inception of this Policy for Accidental Death will be added to Accidental Death or , provided that:

a.    No claim has been made under this Policy in the previous period of insurance;

b.    This Policy was not terminated or cancelled at any time in the previous period of insurance;

c.    The new capital sum insured shall not exceed USD 200,000.00 in the aggregate for Accidental Death or Disablement. 

Insect, Snake, Vermin and Animal Bite

This Policy is extended to cover insect, snake, vermin or animal bite. This Policy shall pay up to the limit specified in the Policy Schedule.

Motorcycling

This Policy is extended to cover motorcycling as a means of transport (whether as a rider or a pillion).  Provided that at the time of sustaining Injury, the Insured is not engaging in or practicing for racing and hill climbing contests and reliability trials and speed or duration testing. This Policy shall pay up to the limit specified in the Policy Schedule.

Medical Expense (Triple for Robbery)

In the event of robbery, the accident medical expenses shall be triple, subject to a maximum of USD 2,500.

Strike Riot and Civil Commotion

If the Insured Person suffers Injury caused by strike, riot, civil commotion provided such Injury does not arise out of or in connection with the Insured Person’s participation, collaboration or provocation of such act. This Policy shall pay the accident medical expenses in section 3 up to the limit specified in the Policy Schedule.

Dengue Fever and/or Malaria

The Policy is extended to cover Dengue Fever and/or Malaria. The Policy shall be payable up to the limit specified in the Policy Schedule.

These are some of the important risk information which we need to obtain from you so that we can indicate you a quotation or premium charge:

• Client information
• Nature of Business
• Territory of Cover

             -  24 Hours & Worldwide?

             -  24 Hours & Cambodia?

• Details of Insured Persons

•  Loss History in the past 5 years