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Coverage and Benefits

Coverages	Benefits
1. Maturity benefit	Receive cash return 118% of the paid life insurance premium
2. Non-accidental death	Receive cash return 118% of the paid life insurance premium with 100% of the sum assured

Extra coverage
3. Accidental death or loss of limbs and vision 3.1 Accidental death 3.2 Accidental loss of organs and vision 1) 2 hands or 2 feet or 2 eyes 2) 1 hand and 1 foot or 1 hand and 1 eye or 1 foot and 1 eye 3) 1 hand or 1 foot or 1 eye 4) The thumb and index finger of the same hand and they must be amputated at/or above the base of the finger	Receive 100% of the sum assured on top Receive 100% of the sum assured on top Receive 100% of the sum assured on top Receive 60% of the sum assured on top Receive 25% of the sum assured on top
4. Accidental medical expenses (within 52 weeks from the date of the accident)	According to the maximum actual expense, 5 times the monthly life insurance premium per visit.

The company will pay the benefit in item 3 if the insured dies or loses limbs or vision as a result of the injury within 180 days after the accident, or if the injury leads the insured to continue receiving care as an inpatient in a hospital and dies as a result of that injury.
The coverage benefit under item 3 will be lowered in proportion to the amount of benefits paid by the company under items 3) and/or 4) (if any). When the company pays the benefit of 100% of the sum assured under item 3, the coverage under item 3 terminates immediately.
Loss of hand or foot implies removing said limbs from the wrist or ankle. This includes the inability to utilize those limbs totally and permanently as a result of accident.
Loss of vision means total blindness and cannot be reversed.

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Event that the Company will not cover

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In the event that the insured does not disclose the true statement or makes a false statement, the company will void the contract within two years from the effective date of the insurance policy, or upon renewal, or upon reinstatement, or upon the date the company approves the increase of the sum assured only for the additional part. Unless the insured does not have a stake in the insured event, or the declaration of age is inaccurate that the actual age is outside the normal trade premium rate limit.
In the event the insured commits suicide within one year from the effective date of the insurance policy, or upon renewal, or upon reinstatement, or upon the date the company approves the increase of the sum assured only for the additional part, or if murdered by the beneficiary.

Examples of exclusion under extra coverage

This extra coverage excludes loss, death, or loss of limbs or vision caused by or as a result of the following causes:

Suicide, suicidal ideation, or self-harm.
Acts of the insured while under the influence of alcohol, addictive substances, or narcotics to the extent that the insured is unable to control consciousness. In the case of a blood test, being "under the influence of alcohol" means having a blood alcohol level of 150 milligrams percent or higher.
Except for infection with tetanus or rabies caused by an accident wound and exposure to parasitic germs.

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