ประกันภัยการเดินทางในประเทศ Domestic Travel Insurance Insurance Policy Smart Thailand Traveller* *Smart Thailand Traveller is the marketing name for Travel Accident Policy for persons and general groups Tabel of contents Travel Accident Policy for persons and general groups Section 1 – Definitions 3 Section 2 - General Conditions 4 Section 3 – Exclusions 8 Section 4 - Coverage Agreement 8 Insuring Agreement Death, Dismemberment, Loss of sight or Total Permanent Disability 9 Medical Expense due to injury 12 Third Party Liability 15 Limit of Liability arising from Murder and Assault 17 Extended Cover to Riding or Travelling on Motorcycle 18 AXA Nationwide Network 21 Remark: The English version is a translation of the original in Thai for information purpose only. In case of a discrepancy, the Thai original shall prevail. Smart Thailand Traveller Insurance In reliance upon the statement made in the proposal for insurance which is considered a part of this Insurance Policy, and in consideration of the premium paid by the Insured, and subject to the insuring agreements, exclusions, general conditions and attached endorsements of this Insurance Policy, the Company agrees to the Policyholder or the Insured as follows Section 1 – Definitions ,/!0,/"5-/"00&,+01,4%& %0-" &Ɯ *"+&+$0%3"""+11 %"!&++6-/1,#1%&0 &+02/+ "-,)& 60%))"/02 %0-" &Ɯ *"+&+$4%"/"3"/1%"60%))--"/Ǿ2+)"00otherwise stated in this Insurance Policy. “Insurance Policy” *"+01%"-,)& 60 %"!2)"Ǿ1"/*+! ,+!&1&,+0Ǿ ,3"/$"$/""*"+1Ǿ exclusions, endorsed document, special condition, application, certification, insurance endorsement and other declaration that the Insured has signed as a part of the Insurance Policy. “Company” means AXA Insurance Public Company Limited as the Insurer of this Insurance Policy "Policyholder" means a person named as policyholder in the policy schedule who arranges the Insurance Policy for the Insured’s benefit. “Insured” means a person named as the Insured in the schedule and/ or the "+!,/0"*"+14%,&0 ,3"/"!61%&0I+02/+ "P,)& 6 “Accident” means +"3"+14%& %%--"+002!!"+)6#/,*"51"/+)*"+0$&3&+$ rise to a result which is not intended or anticipated by the Insured. “Injury” means bodily injury which is caused directly and solely from an Accident and is independent from other causes. "Any loss or damage" means ,!&)6&+'2/602ƛ"/"!61%"&+02/"!0/"02)1,#+ &!"+1 and which cause death, dismemberment, loss of sight, disability or requires the Insured to be medically treated. “Deductible” means 1%"Ɯ/01Ɯ5"!*,2+14%& %1%"P,)& 6%,)!"/,/1%"I+02/"!&0 responsible for paying per each Accident. Travel Accident Policy Hand Book 3 Ȋ/ip!2/1&,+ȋ *"+01/3")!2/1&,+0,#1%" +02/"!4%& %1%" ,3"/$"01/10+!"+!0 within the insurance period. ǖǽ + 0",#,*"01& /&-Ǿ1%" ,3"/$"0%))01/10&+ "1%"I+02/"! )"3"01%"/"0&!"+ "#,/1%"1/&- ,+0" 21&3")62+1&)1%"I+02/"! reaches the residence/ office unless otherwise specified in this Policy. Ǘǽ + 0",#21,2+!1/&-Ǿ1%" ,3"/$"0%))01/10&+ "1%"I+02/"! )"3"01%"/"0&!"+ "#,/1%"1/&- ,+0" 21&3")62+1&)1%"I+02/"! /" %"01%"/"0&!"+ "ȡ,ƛ& ",/&+ǗǙ%,2/00&+ "1%"I+02/"! //&3"0%&)+!2+)"00,1%"/4&0"0-" &Ɯ"!&+1%&0,)& 6ǽ ǘǽ + 0",#1%"I+02/"!&01%"-"/0,+1/3")&+$1,%&)+!ț +,2+!ȜǾ 1%" ,3"/$"0%))01/10&+ "1%"I+02/"!//&3"0%&)+! ,+1&+2,201,1%"1&*"1%11%"I+02/"!)"3"0%&)+! 2+)"00,1%"/4&0"0-" &Ɯ"!&+1%&0,)& 6ǽ “Terrorism” means 3&,)"+1 1&,++!ȡ,/1%/"16+6-"/0,+,/$/,2-,#-"/0,+ regardless of such action is done alone or in representation or in ,++" 1&,+4&1%+6,/$+&71&,+Ǿ$,3"/+*"+1#,/-,)&1& ),/ /")&$&,20/"02)1Ǿ&!",),$6#&1%,/0&*&)/,'" 1&3"Ǿ&+ )2!&+$1, &*- 11%"$,3"/+*"+1+!ȡ,/-2)& ,/-/1&)1%"/",#1," ,*" in panic. Section 2 - General Terms and Conditions 1. Insurance Contract This insurance contract is executed based on the reliance on the statement declared by the Insured in the application form and additional declaration (if any) duly signed by the Insured as evidence to accept such insurance according to the Insurance Contract; this Insurance Policy is thus issued by the Company as evidence. In case of the Insured has already known but provided false statement in the declaration as mentioned in first paragraph, or already known any fact but concealed thereof, of which if it is known to the Company, it may motivate the Company to demand higher premium or refuse to execute insurance contact. In this regard, this insurance contract shall become void pursuant to Section 865 of Civil and Commercial Code and the Company is entitled to terminate this insurance contract. The Company cannot deny acceptance of responsibility except where there has been material misrepresentation in the aforementioned documents submitted by the applicant. 2. Completion and Alteration of Insurance Policy This Insurance Policy composes of Insuring Agreement and Endorsement. Alteration in this insurance contact shall be valid upon being consented by the Company and endorse in this Insurance Policy or its endorsement. Travel Accident Policy Hand Book 4 3. Period of Insurance The Insurance Policy shall provide the coverage for the Insured as the definition “Trip duration” every trip shall be in the period of insurance which does not exceeded maximum 90 days, unless otherwise specified in this Insurance Policy. In case of medical emergency , hijack, delay or inoperative plan that make the Insured delay the travel back on planned schedule, the Insurance Policy will automatically extend the coverage until finish as the definition of “Trip duration”. 4. Report of Accident The Insured, beneficiary or representative of the said person, as the case may be, must inform the Company in case of injury, any loss or damage that could cause the claiming for benefit which covered under this Insurance Policy without delay. In case of death, notice must be reported to the Company immediately, unless it can be proved that there is reasonable explanation why the notice cannot be made in a timely manner and the notification is given to the Company as soon as possible. 5. Beneficiary The Insured can specify the beneficiary. In the event of Insured’s death, the Company will pay any benefits under this insuring agreement to the named beneficiary. If name of the beneficiary is not specified, the Company will pay any benefits to the estate of the Insured. In the case that there is only one beneficiary named in the Insurance Policy and the beneficiary dies before the Insured or at the same time, the Insured has to inform the Company in writing for changing the beneficiary. If the Insured failed to so, the Company will pay any benefits to the estate of the Insured. In the case that there is more than one beneficiary named in the Insurance Policy and any beneficiaries die before the Insured, the Insured has to inform the Company in writing for changing the beneficiary or changing the benefits of the remaining beneficiaries. If the Insured failed to do so, the Company will pay that benefit to the rest beneficiaries equally upon the Insured's dead. 6. Medical Examination The Company has the right to require a medical examination and diagnosis records of the Insured as deemed necessary and also entitled to perform autopsy if necessary, within the limit of law or religious doctrine by the expenses of the Company In case the Policyholder, Insured, beneficiary or their representative, as the case may be, does not allow the Company to review a medical examination and diagnosis records for process of claim consideration, the Company can reject the coverage for the Insured. Travel Accident Policy Hand Book 5 ǜǽCompensation payment Compensation for death will be paid to the beneficiary or statutory heir, while other compensation will be paid to the Insured. The Company will compensate within 15 days commencing from the date the Company received complete and correct proof of loss or damage. In case it is doubtful that such above mentioned claim is not in compliance with the insuring agreement in the Insurance Policy, the prescribed period may be extended as deemed necessary but shall not exceed 90 days commencing from the date received complete documents by the Company. If the Company is unable to complete compensation payment within the above mentioned specified period, the Company shall be responsible to pay15% interest per annum of the payable amount commencing from the due date. 8. The limit of liability during period of insurance Throughout the period of insurance, the Company shall compensate as the insuring agreement for death benefit, dismemberment, loss of sight or total permanent disability not exceed the amount stated in the schedule. If the Company has not fully compensated for death benefit, dismemberment, loss of sight or total permanent disability, the Company shall cover to the end of insurance period for the balance of sum insured stated in insuring agreement and/or the endorsement (If any) 9. Arbitrator In case of dispute, contradictory, or any claim under the Insurance Policy between the Insured and the Company. If the Insured desired or finds it necessary to settle the dispute, contradictory or any claim by arbitration,the Company must comply and allow the case to be judged by arbitration according to the arbitration regulation governed by the Office of Insurance Commission (OIC). 10. Automatic termination The Insurance Policy will be terminated automatically when the Insured is imprisoned. 11. Cancellation and Reimbursement 1ǖǽǖ%",*-+60%))$&3"1%"+,1& ",#cancellation 1,1%" +02/"!#,/1)"01ǖǚ!60 &+!3+ "11%")01&+#,/*"!!!/"001,1%"C,*-+66/"$&01"/"!-,01ǽ +1%&0 0"Ǿ1%" C,*-+6 will reimburse the paid premium to the Insured as Pro-Rata. ǖǖǽǗ%"I+02/"!0%))$&3"1%"4/&11"++,1& ",#cancellation1,1%"C,*-+6+!$"11%" reimbursement which will be deducted from the used up amount, calculated by the short-term premium rate stated below Travel Accident Policy Hand Book 6 The Schedule of short term premium rate Period of Insurance Percentage of Annual (not exceed/month) Premium rate 1 15 2 25 3 35 Ǚ Ǚǚ 5 55 6 65 7 75 8 ǝǕ Ǟ 85 ǖǕ ǞǕ 11 Ǟǚ 12 ǖǕǕ Cancellation of Insurance Policy according to this condition regardless by any party, the entire Insurance Policy must be canceled.