Eligibility

 Vietnamese citizens or foreigners working, studying, residing in Vietnam at the age of from 18 to 65;

Scope of Coverage

• Accidents resulting in the Insured Person’s death, total permanent disability or partial permanent disability or medical expenses necessarily and reasonably incurred.

Sum Insured

• The main Sum Insured is from US$2,000 to US$50,000

• Medical expenses: From US$500 to US$10,000

Insurance Benefits

• In case of the Insured Person’s death as covered by this insurance: The Sum Insured shall be paid in full;

• In case of total permanent disability as covered by this insurance, the Sum Insured shall be paid in full.

• In case of partial permanent disability as covered by this insurance, payment shall be based on the Benefit Table.

• PTI shall pay any actually incurred medical expenses, including medication, surgery, treatment or use of medical equipment as required or instructed by a qualified physician, nursing care, room and board and ambulance, up to the Limit of Liability for Medical Expenses as stated in the Schedule or the Insurance Certificate during the period of insurance.

* Additional benefit: Weekly allowance (applicable only if the main benefits are taken out): PTI shall pay a daily allowance during the treatment of any temporary disability as instructed by the attending physician.

Eligibility:

Family members named in the same household registration book and living at such address, having electricity use contracts with the local electricity management authority (referred to as the Insured). A family member who is not named in the household registration book but lives with the holder of the electricity use contract may also be insured under this Insurance provided that he/she must be named in the list of Insureds upon application.

Scope of coverage

 This insurance covers the following accidents:

• The Insured's death or bodily injury results from an accident due to direct impacts of an electric current happening at the same insured household as prescribed in the Eligibility section.

• This cover is extended to include accidents resulting in death or bodily injury of the Insured due to direct impacts of an electric current happening at households which have registered for electricity use (other than at production, business or service establishments)

Insurance benefits

• In case of the Insured's death resulting from an accident covered by this Insurance, the sum insured shall be paid in full.

• In case of the Insured's bodily injury caused by an accident covered by this Insurance, PTI shall make payment as follows:

-  Where the Sum Insured is less than VND20 million, payment shall be based on the Benefit Table.

- Where the Sum Insured is from VND20 million to VND50 million, payment shall be based on any medical expenses actually and reasonably incurred as instructed by the attending physician and a daily allowance of 0.1% of the Sum Insured/person/day (up to 180 days per year) in case of inpatient treatment. The total amount payable shall not exceed the benefit as stated in the Benefit Table attached to the Policy Wording. 

Sum Insured, Premium

•  Sum insured: From VND1 million to VND50 million;

• Premium rate: 0.28% of the Sum Insured/household/year.