Remark: Benefits, conditions, and coverage agreements are subject to the terms and conditions as specified in the insurance policy.

Premium discount for Family purchases under Personal Accident Ultra Pro (PALF)
The Company offers premium discount under the following conditions:

1. The effective date of the second insurance policies onwards must be the same as the effective date of the primary insured.
2. The primary insured and family members will receive 3% premium discount per insured person.
3. After the Company has granted the premium discount to the family members of the primary insured, if later any insurance policy lapse, the Company reserves the rights to make changes or adjustments or cancel the premium discount as it sees fit. The Company will provide prior letter of any changes, adjustments, or cancellations of the premium discount at least 15 days in advance via registered mail to the insured at the last address provided to the Company.

This insurance does not cover:

1. Any loss or damage arising from or related to the following causes.
1.1 Activities occurring while the insured is affected by alcohol, drugs, or narcotics to the extent of being unable to maintain self-control. The wording “while is affected by alcohol”, in the case where having blood testing and alcohol level in blood more than 150 milligram percent up is deemed as rule. 
1.2 Suicide, attempted suicide, or self-harm.
1.3 Miscarriage
1.4 Food poisoning
1.5 War, invasion, acts of hostility by foreign enemies, or acts of hostility resembling war, whether war has been declared or not, or civil war, insurrection, rebellion, riots, strikes, disturbances, revolution, coup, declaration of martial law, or any event that leads to the declaration or continuation of martial law.

2. Any loss or damage that occurs at the following times.
2.1 While the insured is participating in all types of car or boat racing, horse racing, skiing including jet skiing, skate race, boxing, parachute (except for parachuting for life-saving purposes), boarding or descending or traveling in a balloon or glider, bungee jumping, or scuba diving requires an air tank and underwater breathing apparatus.
2.2 While the insured is boarding or descending or traveling in an aircraft that is not registered for passenger transport and not operated by a commercial airline.
2.3 While the insured is driving or performing duties as a crew member of any aircraft.
2.4 While the insured participate in any brawl or provoke someone to become brawl.
2.5 While the insured is committing a serious criminal offense or being arrested or fleeing arrest.

3. Benefits of broken bones do not cover any loss or damage arising from or related to the following causes:
3.1 Osteoporosis or pathologic fractures.
3.2 Pre-existing injuries or illnesses prior to the issuing of the policy.
3.3 Fractures resulting from pathological bone conditions or congenital diseases.

1. Issued age: Subject to the selected insurance plan. 
2. Sum assured: Subject to the selected insurance plan. 
3. Riders attachable: Unable to attach with other riders. 
4.  Health Check Up: Subject to the Company’s underwriting guidelines
5. Tax Condition: Premiums of Personal Accident Ultra and Personal Accident Ultra Pro shall be partially entitled for personal income tax deduction according to the Revenue Department’s regulation.