Personal Accident Insurance
Objective
This product aims to offer financial support for injuries, permanent disabilities, and death, providing benefits to the insured.Age limitation
Age (16) to (65) yearsPolicy Term
3 Months (or) 6 Months (or) 1 YearSum Insured
Minimum Sum Insured - MMK 500,000Maximum Sum Insured - MMK 20,000,000Premium Payment
Lump-sum paymentPremium Rate
0.7% (of Total Sum Insured for each individual)For 3 months/6 months insurance period - a proportional premium of a 1-year term appliesAn additional 0.3% of the total sum insured will be charged to those who are working at the risky workplace such as police officers, army personnel, aviation staff, and electricians
Death due to an accidentPermanent disability due to an accidentBodily injury due to an accident or loss of a limbHospitalization due to an accident or inability to workBenefits of Bodily Injury Insurance
| No | Content | A percentage of the insured sum |
|---|---|---|
| 1. | Death | 100% |
| 2. | Total Permanent Disability | 100% |
| 3. | Total severing of both arms, from the base of the arm to the wrist | 100% |
| 4. | Total severing of both legs, from the thigh to the ankle | 100% |
| 5. | Total blindness in both eyes | 100% |
| 6. | Total severing of one arm, from the base of the arm to the wrist | 50% |
| 7. | Total severing of one leg, from the thigh to the ankle | 50% |
| 8. | Total blindness in one eye | 50% |
| 9. | Facial and head disfigurement | 50% |
| 10. | Hearing loss in both ears | 50% |
| 11. | Spine fracture | 50% |
| 12. | Neck fracture | 50% |
| 13. | Total severing of any limb from the wrist to the fingertips or from the ankles to the feet without reaching the fingers and toes | 38% |
| 14. | Total severing of both ears | 30% |
| 15. | Total fracture of both arms somewhere from the base of the arm to the wrist | 30% |
| 16. | Total fracture of one leg somewhere from the thigh to the ankle | 30% |
| 17. | Two hip fractures | 30% |
| 18. | Skull fracture | 25% |
| 19. | One hip fracture | 25% |
| 20. | Hearing loss in one ear | 25% |
| 21. | Abdominal dissection | 25% |
| 22. | Kidney injury | 25% |
| 23. | Injury to the male reproductive organ | 25% |
| 24. | Ruptured bladder | 25% |
| 25. | Uterine injury | 25% |
| 26. | Spleen injury | 25% |
| 27. | Splenectomy injury | 20% |
| 28. | Fracture of the shoulder or clavicle | 20% |
| 29. | One side of the ear is completely severed | 15% |
| 30. | A fractured arm occurs somewhere from the base of the arm to the wrist | 15% |
| 31. | A fractured leg occurs somewhere from the thigh to the ankle | 15% |
| 32. | Temporal bone fracture | 15% |
| 33. | Jaw fracture | 15% |
| 34. | Sphenoid bone fracture | 15% |
| 35. | Cheekbone fracture | 15% |
| 36. | Frontal bone fracture | 15% |
| 37. | Fracture of the ear cartilage | 15% |
| 38. | Fracture of the distal end of the wrist or ankle | 15% |
| 39. | Ankle fracture | 15% |
| 40. | Heel fracture | 15% |
| 41. | Pubic bone fracture | 15% |
| 42. | One hip fracture | 15% |
| 43. | Tailbone (Coccyx) Injury | 15% |
| 44. | Patellar or Kneecap Fractures | 15% |
| 45. | Injury to one eye | 15% |
| 46. | Ordinary injuries in other parts of the body | 15% |
| 47. | Female genital injury | 15% |
| 48. | Skin Graft | 15% |
| 49. | Injury to one ear resulting in partial deafness | 13% |
| 50. | Shoulder Blade fracture | 10% |
| 51. | A thump is completely severed from any location | 10% |
| 52. | Nasal fracture | 10% |
| 53. | Gum fracture | 10% |
| 54. | A rib fracture | 10% |
| 55. | Injury to the ear | 10% |
| 56. | A limb-length discrepancy | 10% |
| 57. | Fracture of the pubic bone | 10% |
| 58. | Dislocation | 10% |
| 59. | Toe amputation | 9% |
| 60. | Finger amputation | 9% |
| 61. | Middle finger, Ring finger, little finger amputation | 8% |
| 62. | Total loss of another toe, excluding the big toe | 8% |
| 63. | Humerus fracture | 5% |
| 64. | Ankle bone fracture | 5% |
| 65. | A thumb fracture | 5% |
| 66. | A big toe fracture | 5% |
| 67. | Fracture of the remaining finger | 3% |
| 68. | Fracture of the remaining toe | 3% |
| 69. | A fractured tooth | 3% |
| 70. | 3% of the sum assured per week for hospitalization due to injury, subject to a maximum of 15% of the sum assured. | |
| 71. | 3% of the sum assured per week for incapacity for work due to injury, subject to a maximum of 15% of the sum assured. | |
Injury, death, and permanent disability caused by self-injury or self-mutilation.Injury, death, and permanent disability caused by drug use or drug abuse.Death and permanent disability caused by disease.Injury, death, and permanent disability caused by civil unrest, war, riots, strikes, civil commotion, terrorism, seizure of power by the military, and its consequences.Injury, death, and permanent disability caused by criminal commitment.Injury, death, and permanent disability intentionally caused by third party.