Loss of life, dismemberment, loss of sight or total permanent disability
| Total permanent disability refers to disability diagnosed by a physician to the Insured who cannot make a living for the rest of his life. |
|
Medical Expenses | The insurance covers illness and injury caused by accident during period of insurance and hospitalization as in-patient/ out-patient, excluding chronic health condition or pre-existing condition. |
|
Loss of money | The insurance covers cash, bank note, travel cheque or draft, excluding credit card, travel card, stock certificate, bill of exchange or promissory note in case of robbery, gang robbery or pickpocket during the trip. The insured shall pay the deductible of 1,000 Baht and report to the police within 24 hours. The insurance does not cover in case that the insured forgets, neglects, quarrels, commits crime, arrests, escapes the arrest or is under influence of alcohol or drug. |
|
Travel Document | The insurance covers expenses (document request expense, travel expense and additional accommodation expense but not exceed the sum insured) of passport and VISA application and new travel ticket to replace those that are robbed, stolen, lost or damaged by natural disaster. The insured must report to the police within 24 hours. The insurance does not cover in case that the insured forgets and neglects. |
|
Loss of baggage or personal belonging
| The insurance covers loss or damage of baggage and personal belonging kept inside. Such loss or damage is caused by transportation fault of the transportation provider or hotel staff, robbery, gang robbery and burglary with forcible trace of entry-exist. |
|
Baggage delay | If the baggage delay is the transportation provider’s fault, the company will pay the compensation which covers expenses of clothes or necessary clothes which need to be used urgently. Such delay shall be more than 6 hours from the original schedule after the insured has arrived the destination. |
|
Missed flight | If the insured misses the flight traveling overseas due to delay of airplane, train or boat that travel to the station and the insured cannot find any replacing vehicle within 8 hours, the Company will cover expense of accommodation, food and beverage. (present original receipt and letter issued by the airway) |
|
Travel delay | The insurance covers additional travel or accommodation expense caused by flight delay which delays more than 6 hours from original schedule due to bad weather, defective vehicle of the transportation provider, protest or strike. |
|
Trip curtailment | The insurance covers actual expense (but not exceed sum insured) of travel or accommodation which has not been used yet. |
|
Trip cancellation | The insurance covers expense advance payment which is travel or accommodation expense arising from trip cancellation due to loss of life, serious injury or illness of the insured, insured’s father, mother, spouse or child. It also covers in case of flight cancellation announced by the transportation provider due to bad weather, protest or strike. |
Hijacking | If the insured is being held as a hostage during the plane hijack at least 24 hours consecutively, the Company will pay compensation for every 24 hours of being a hostage but not exceed the sum insured. |
Personal Liability | The insurance covers loss of life and injury or loss or damage to personal belonging of the third party caused by accident of the insured. |
Emergency medical evacuation or repatriation or repatriation of mortal remains | The insurance covers expense of repatriation or repatriation of mortal remains due to injury or illness occurring during the trip which takes the insured’s life within 30 days from the day of such injury or illness |
Emergency call | The insurance covers in case of medical emergency call to AGA Services (Thailand) only. |
Automatic coverage extension (30 days maximum) | Refers to extension of period of insurance in case of unforeseen incident such as riot or protest which may delay the travel plan |
