WHAT IS COVERED?

Basic Cover

• We cover any accident occuring 24 hours a day which results in death, permanent disablement or medical expenses incurred. Subject to terms conditions and exclusions as stated in the policy wording.

Automatic Extensions

• Further benefits are available such as Disappearance, Natural Exposure, Food Poisoning, Funeral Expense Subsidy, Incremental Bonus, Insect Snake Vermin and Animal Bites, Suffocation by smoke gas poisonous fumes & Drowning.

WHAT IS NOT COVERED?

• Suicide & Self-infliction
• Willful Act
• Bacterial & Viral Infection
• Medical or Surgical Treatment
• Cosmetic or Plastic Surgery
• AIDS & HIV
• Pregnancy
• Alcohol & Drugs
• Aerial Activities
• War Risk
• Nuclear Risk
• Professional Sports/Hazardous Activities
• Hazardous Occupation
• Felony/Misdemeanor/Brawling
• Terrorism