This Policy covers the risk of death, permanent disability, or the cost of care and treatment that are directly caused by an accident, including:
- Poisoning due to inhalation of poisonous gases or vapors, unless the Insured deliberately uses drugs or other substances that have known adverse effects including the use of illegal drugs,
- Infected with viruses or germs as a result of the Insured accidentally falling into water or some other liquid,
- Suffocation or drowning in an accident,
- The entry of viruses or germs into the wound suffered as a result of an accident covered by the policy.
- Complication or worsening of the disease caused by an accident that is covered by the policy during the treatment or treatment performed by a doctor.
Guarantee area
- Death (Guarantee A); Awarded in the event that the insured dies within 12 (twelve) months of the accident, or is missing and is not found within at least 60 days of the accident.
- Permanent disability (Guarantee B); Guarantee B will be given in the event that the Insured suffers permanent disability as a direct result of an accident covered in the policy, which consists of permanent disability in whole and partially permanent disability.
- Cost of Care or Medicine (Guarantee C)