Life is full of surprises, and accidents are one of the risks that can change everything in an instant. No matter how cautious you are, accidents can still happen, causing health damage or even loss of life, leaving behind significant financial burdens and emotional loss. The Health Protection – Extended Accidental Death or Disability product is an essential financial solution, providing comprehensive protection to help you feel more secure when facing accident risks. It ensures that you and your loved ones can remain resilient during difficult times, focusing on recovery and stabilizing your life.
Unique Selling Points
- Extended age coverage: Protection from 1 month old to 75 years old.
- Up to 300% of the Sum Assured for accidental death.
- Comprehensive protection against injuries, trauma, and burns caused by accidents.
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INSURANCE BENEFITS
Benefit Name |
Details |
1. Internal Organ Injury Benefit |
2% - 10% of the Face Amount (FA), depending on the severity of the injury. |
2. Bone and Joint Injury Benefit |
1% - 30% of the FA, depending on the severity of the injury. |
3. Burn Injury Benefit |
25% - 100% of the FA, depending on the degree of the burn. |
4. Disability Benefit |
10% - 100% of the FA, depending on the severity of the disability. |
5. Extended Disability Benefit |
1% - 50% of the FA, depending on the severity of the disability. |
6. Accidental Death Benefit |
|
300% of the FA if the Life Assured (LA) dies due to an accident while traveling abroad. 200% of the FA if: - The LA dies due to an accident while being a passenger on public transportation; or - The LA dies due to a fire accident in buildings as defined by Chubb Life; or - The LA and their spouse die in the same insured event; or - The LA dies due to an accident on Vietnam’s national holidays. 100% of the FA if the LA dies due to other accidents not mentioned above. |
II. GENERAL INFORMATION CUSTOMERS SHOULD NOTE
- Entry Age: From 1 month old to 65 years old.
- Maximum Age at Policy Expiry: 75 years old.
- Policy Term: 1 year, renewable annually.
- Premium Payment Term: Equal to the policy term.
- Premium Payment Frequency: Follows the premium payment frequency of the Policy.
III. INSURANCE EXCLUSIONS
Chubb Life will not pay insurance benefits if the insured event occurs due to any of the following reasons:
1. Participation in war or acts of war, including invasion or acts of hostility by an enemy nation.
2. Participation in civil war, rebellion/riot, military coup, terrorism, territorial security violations, activities aimed at overthrowing the government, or involvement in any of these acts.
3. Participation in fights or brawls as recorded in official reports by competent authorities, or resisting arrest.
4. AIDS, food or drink poisoning, death of unknown causes, or complications during medical treatment, surgery, or procedures.
5. Complications during pregnancy or childbirth.
6. Influence of drugs or other stimulants.
7. Suicide, attempted suicide, or intentional self-inflicted injury, regardless of mental state.
8. Consequences of operating a vehicle:
(i) Exceeding the legal speed limit by 5 km/h or more; or
(ii) With a blood alcohol concentration exceeding the legal limit as defined by the Ministry of Health.
9. Participation in extreme sports.
10. Participation in professional sports activities.
11. Participation in aviation activities, except as a passenger or crew member on regular flights.
12. Pre-existing conditions.
13. Intentional acts by the Life Assured, Policyholder, or Beneficiary.
14. Additional exclusions as notified by Chubb Life to the Policyholder, based on conditional acceptance of the Life Assured.
Note
This document provides basic information only. Please contact Chubb Life’s Sales Team or call the hotline: (028) 3827 8123 for more details.