Accident riders

For peace of mind and to be worry free, even when the accident happens.

Live your life with peace of mind with Accident Rider that provides a wide range of coverage, including life protection, dismemberment or indemnity payment while being injured or disabled due to an accident. You can be worry free and rest assured that your loved ones will not be burdened in an unexpected event.

3 main types of Accident Rider:

  • AI: Covers life protection, dismemberment, indemnity payment for surgery and treatment while being hospitalized, including income benefit in case of being injured and unable to work or disability due to an accident.
  • ADD: Covers life protection and dismemberment due to an accident.
  • ADB: Covers life protection due to an accident only.

For AI and ADD Accident Riders – can extend additional coverage to include assault, murder, riot, civil war and terrorism.

Coverage and benefits of Accident Rider - AI

Coverage Benefits (% of the insured amount)
1. Loss of life 100

2. Loss of organs and eyesight

2.1 Loss of both arms, legs or eyesightor loss of any one arm, leg or eyesight being two parts together or more

2.2 Loss of any one arm, leg or eyesight

2.3 Loss of thumb and index finger of the same hand

 

100

60

25

3. Indemnity payment for temporary disability (paid up to 52 weeks)

3.1 Being injured and unable to work

3.2 Being injured with limited ability to work

 

0.6 / week

0.2 / week

4. Indemnity payment for permanent disability – following indemnity payments as per 3.1 for 52 weeks (paid up to 10 years) 2.5 / 3 months
5. Medical expenses while being treated in the hospital as in-patient (paid up to 20 weeks) 0.3 / week
6. Indemnity payment in case of the insured being hospitalized due to surgery or treatment

According to Surgery Schedule as specified in the policy

7. Double indemnity payment of the benefits as stated in Items 1 to 2 if the accident occurred while on certain public transport, in a lift or due to fire in public building.  

 

Coverage and benefits of Accident Rider - ADD

Coverage Benefits (% of the insured amount)
1. Loss of life 100

2. Loss of organs and eyesight

2.1 Loss of both arms, legs or eyesight or loss of any one arm, leg or eyesight being two parts together or more

2.2 Loss of any one arm, leg or eyesight

2.3 Loss of thumb and index finger of the same hand

 

100

60

25

3. Double indemnity payment of the benefits as stated in Items 1 to 2 if the accident occurred while on certain public transport, in a lift or due to fire in public building.  

 

Coverage and benefits of Accident Rider - ADB

Coverage Benefits (% of the insured amount)
1. Loss of life 100
2. Double indemnity payment of the benefits as stated in Item 1 if the accident occurred while on certain public transport, in a lift or due to fire in public building.  

Preliminary Underwriting Guideline

Insured age:

  • AI: 16 - 60 years old (coverage until 65 years old)
  • ADD, ADB: 0 - 60 years old (coverage until 65 years old)

Minimum insured amount 100,000 Baht

Policy applicants should study, read, and comprehend about coverage details and conditions before deciding to purchase. Company underwriting guideline will be applied. Coverage details and conditions are as stated in policy contract.

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