|
Q: |
If the insured's occupation is scaffolding worker, can he apply Personal
Accident Insurance?
|
|
A: |
He cannot apply Personal Accident Insurance if his occupation is scaffolding
worker. The eligibility of applying Personal Accident Insurance is that the
insured must engaged in indoor and non-hazardous occupation.
|
|
Q: |
If the insured commits suicide or self-inflicted injury, can he claims for any
benefits?
|
|
A: |
No, the insured cannot make any claims if he commits suicide. Generally,
insured's benefits will not cover in active military service, professional
sports, sickness and disease, suicide and self-inflicted injury, pregnancy or
childbirth, flight crew, rock-climbing requiring ropes/pitons, hang gliding and
parachuting.
|
|
Q: |
In the leaflet, we mention that the protection included "the insured and the
family". How many people can be included in family?
|
|
A: |
"Insured and the family" refers to Insured, his/her spouse and all children.
"Children" refer to unmarried children aged 6 months to 21 years old or to 23
years old if they are full time students.
|
|
Q: |
Does Personal Accident Insurance cover worldwide protection? Can the insured
under the protection coverage even if he travel abroad?
|
|
A: |
Personal Accident Insurance covers worldwide protection. Therefore, the insured
can still have protection coverage even if he travel abroad.
|
|
Q: |
The insured has already bought Personal Accident Insurance. What procedure does
he need to do if he wants to add one more children? Will premium increase?
|
|
A: |
The applicant can add one more children to be insured by fax or mail in written
notice to inform our company. Premium will not be increased because of this
reason.
|
