Individual Accident

No matter how careful you are, there’s always a chance that an accident can occur. Whether you’re taking bus to work or walking in the street, an unforeseen event can happen to you. Individual Personal Accident insurance can help protect your family from financial losses caused by your accidental death or disabilities defined in the policy.

1. Accidental Death, Dismemberment & Major Burn Benefit (ADD)

When one suffers any one of the following losses after an accident:

- Loss of life – the principle sum shall be payable

- Dismemberment, loss or major burn as specified in the schedule of indemnity – the percentage of indemnity (10% - 100%) shall be payable

2. Renewal Bonus (RB)

Renewal bonus of 6% increase on the original accidental death & dismemberment (ADD) benefit up to 5 renewal years or 130%.

3. Compassionate Death Allowance (CDA)

In the event of death, the deceased’s next-of-kin will be paid an immediate compassionate death allowance of ￥3,000. This allowance is not deductible from the principal sum assured.

4. Double Indemnity (DI)

Should an accident occur while one is riding solely as a passenger in any public conveyance coverage licensed to carry passengers or suffers from a fire in school or hospital compound, the compensation shall be double the original principal ADD. Public conveyance includes bus, taxi, airplane, lift and escalator.

5. Accidental Medical Reimbursement (AMR)

Covers medical expenses, one will be reimbursed for medical and surgical expenses incurred up to a maximum amount selected.

6. Accidental Weekly Indemnity (AWI)

In case one is disabled and prevented from performing his occupation as a result of accident, a weekly income of the amount selected will be payable, up to 26 consecutive weeks.

7. Hospital Income & Intensive Care Unit (HI & ICU)

When one is hospitalized due to sickness (commencing after a waiting period of 30 days) or due to accidental injuries sustained immediately after the policy effective date, a daily hospital income of the amount selected will be payable up to 180 days.