Insurance Terms and Conditions

PERSONAL ACCIDENT INSURANCE

For your own protection, you are requested to read this Policy and the Provisions, Exclusions, and Conditions contained herein to ascertain that it is in accordance with your intentions. You are also requested to check that the particulars given in the Policy Schedule are true and complete, as they will form the basis of your contract with the Insurance Company. If they are not, kindly return immediately for alteration or cancellation; otherwise, it means you agree to be bound by the following policy terms and conditions.

WHEREAS the Insured, by a Proposal and Declaration which shall be the basis of this Contract and is deemed to be incorporated herein, has applied to the Insurance Company for insurance hereinafter specified and has paid or agreed to pay the Premium as consideration for such insurance in respect of occurrences as hereinafter specified happening during the Period of Insurance. This Policy witnesses that if the Insured Person shall sustain any bodily injury caused by "Accident" as defined herein, which within the trip period thereof results in Death or Disablement or expenses hereinafter specified, the Company shall pay to the Insured or his legal personal representatives the sum(s) according to the Schedule purchased.

This Policy is subject to the Definitions, Exclusions, and Conditions contained herein or endorsed or otherwise expressed hereon, all of which are to be taken as part of this Policy and shall be read together with the Schedule, and any word or expression to which a specific meaning has been attached in any part thereof shall bear such meaning wherever it may appear.

DEFINITIONS
(a) "Insured" - the one in whose name this Policy is issued and is aged 1 or over but under 75 at the commencement of this Policy.
(b) "Insured Persons" means those Persons named in the Policy Schedule.
(c) "Accident" - death or bodily injury caused solely and directly by violent accidental external and visible means.
(d) "Medical and Surgical Expenses" - reasonable medical surgical hospital nursing home and nursing expenses fees or charges necessarily incurred as the result of an Accident covered by this Policy.

EXCLUSIONS
No payment will be made under the Policy for death, injury or medical and surgical expense directly or indirectly caused by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss:
(1) Any unlawful act of the Insured or Insured Person or his or her willful exposure to danger (other than in an attempt to save human life) suicide or attempted suicide or intentional self-injury.
(2) The effect or influence (temporary or otherwise) of alcohol or drugs not prescribed by a qualified medical practitioner, venereal disease or AIDS or HIV (Human Immunodeficiency Virus) related illness or insanity.
(3) Pregnancy or childbirth.
(4) Winter sports, rock climbing, mountaineering (which requires the use of ropes or guides), pot-holing, water skiing, skin-diving, parachuting, hang gliding, bungee jumping, any sports in a professional capacity, football or rugby football, ice hockey, riding a motor cycle or motor scooter or moped or mechanically assisted pedal cycle (whether as driver or passenger), polo, steeple chasing, big game hunting or hunting other than on foot, racing of any kind other than on foot.
(5) Flying as a member of an aircrew or in an aircraft for the purpose of any trade or technical operation therein or thereon or air travel other than as a fare paying passenger in any properly certificated or licensed power-driven aircraft constructed to carry passengers.
(6) (a) War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power;
(b) Any act of Terrorism;
(c) Biological or chemical contamination, missiles, bombs, grenades, explosives due to any act of Terrorism.

For the purpose of this insurance an act of Terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
This insurance also excludes loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or in any way relating to (a), (b) and/or (c) above.
For the purpose of (c) "contamination" means the contamination, poisoning, or prevention and/or limitation of the use of objects due to the effects of chemical and/or biological substances.
If the Company allege that by reason of this exclusion, any loss, damage, cost or expense is not covered by this insurance the burden of proving the contrary shall be upon the Insured.
In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect.
(7) Regular or temporary or voluntary air force or military or naval or police duties.
(8) Any physical defect or infirmity which existed prior to the Accident.
(9) Any kind of sickness or disease even if contracted by accident.
(10) Nuclear fission, nuclear fusion, ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuels or nuclear weapons, material.
(11) The Insured Person having more than the legally permitted level of alcohol in the blood whilst driving any kind of vehicle.

CONDITIONS
Interpretation
This Policy and the Schedule shall be read together as one contract and any word or expression to which a specified meaning has been attached in any part of this Policy or of the Schedule shall bear such meaning wherever it may appear.

Observance
The liability of the Company shall be conditional on the observance by the Insured of the Terms of this Policy.

Mis-statement or Fraud
Any false statement made by the Insured in the Enrolment Form or concerning any claim shall result in the Company's right to repudiate liability under this Policy.

Claims Procedure
Notice in writing must be given to the Company of any bodily injury which may give rise to a claim under this Policy together with full particulars of both the occurrence and the injury immediately in the case of death or within one calendar month of the occurrence if the injury is non-fatal.
All reports certificates and information required by the Company shall be furnished at the Insured's expense and shall be in such form as the Company shall prescribe.
The Insured Person shall from time to time submit himself or herself to medical examination at the expense of the Company as may be required in connection with any claim.
In the case of death where any reasonable doubt exists as to the cause thereof a qualified medical practitioner appointed by the Company shall be allowed to make a post-mortem examination of the body of the Insured Person at the Company's expense.

Contact CHECKDI for Claims:
www.checkdi.com
email: claims@checkdi.com
telephone: +66-2-9859000