CHARTER II – COVERAGE, BENEFITS AND CONDITIONS OF INSURANCE:

ARTICLE 4: MEDICAL EXPENSES

agrees to provide reimbursement of eligible expenditure for medical treatment arising from a covered Disability requiring emergency treatment, include:

1. The medical expenses arising from medical treatment contracted or sustained in Vietnam include only the following expenses:

   1. Hospitalization, surgery, ambulance and paramedic services, diagnostic tests, consultation by registered doctors and medicines prescribed, hospital room and board.

   2. Pregnancy complications requiring hospitalization up to the 42nd week of pregnancy but excluding all forms of delivery.

   3. Medical expenses for out-patient treatment, including consultation by registered doctors and medicines prescribed, X-rays, diagnostic tests. This expense shall not exceed the limit set out in the Insurance Certificate.
      This section will also cover Eligible Expenses arising within 30 days since the termination of this Policy in the event the Insured Person is unable to return to the Country of Origin due to the continuous hospitalization originated from an insured disability during the Period of Insurance.

2. The Eligible Expenses described in section (1) above arising within 90 days of return to the Country of Origin , and this expense shall not exceed the limit set out in the Insurance Certificate, section “Follow-Up Care”.

Provided that:

1. All such expenditures shall be normal, customary and reasonably in nature; be supported by a detailed breakdown of charges, original receipts and medical reports.

2. The hospitalization must be more than 24 hours and the disability necessitates medical and/or surgical treatment must be covered in this Policy.

3. The reasons of hospitalization are acute in nature and not arised from pre-existing or exclusion illness

4. Any reimbursement or total reimbursement of this section shall not exceed the limit set out in the Insurance Certificate.

This "Medical Expenses" benefit does not cover:

1. Charges in respect of special or private nursing.

2. Cosmetic surgery, eyeglasses or hearing aids, and prescriptions therefore except as necessitated to correct a condition resulting solely from an external accidental Injury occurring during the Period of Insurance.

3. Psychiatric, psychological disorder and insanity.

4. Any expenses arising from surgical, mechanical or chemical methods of birth control or treatments pertaining to infertility.

5. Treatment or services undertaken without the recommendation of a Physician; routine physical examinations or health check ups not incidental to the treatment or diagnosis of a covered Disability.

6. Prostheses, medical aid equipments unless these are essential for an operation.

7. Organ transplantation

ARTICLE 5: EMERGENCY MEDICAL ASSISTANCE AND TRAVEL ASSISTANCE

The designated assistance companies will provide Emergency Medical Assistance and Travel Assistance. In the event of the below described coverage is applicable, the Insured Person or his representative may call the assistance company for assistance.
The party making such contact will be required to identify the Insured Person's name, Insurance Certificate Number, Period of Insurance as well as the nature of the problem location and contact person and information. After validation, or its assistance company will provide services and settle bills as required by the terms and conditions of this Policy. ’s approval must be obtained before any Medical Assistance to be provided. However, in case of Emergency, the service can be done immediately base on the professional decision of the designated assistance company for the safety of the Insured.
Total of reimbursement from for any benefit of this section shall not exceed the maximum amount set out in the Insurance Certificate.

1. EMERGENCY MEDICAL ASSISTANCE

1. Emergency Evacuation
   When the Insured Person suffers a Serious Injury or Illness requiring immediate treatment and if adequate medical facilities are not available in the immediate vicinity, will organize through its designated assistance company emergency evacuation by whatever medically necessary means to the nearest facility via the most economical form of conveyance, which is capable of providing adequate medical care.

2. Repatriation Following the Emergency Evacuation in point (a) above and/or hospitalization in Vietnam, if medically necessary, will arrange and pay for the repatriation of the Insured Person to the medical facility in his Country of Origin through the designated assistance company, provided that the Insured Person shall surrender any unused portion of his ticket to .

3. Hospital Expenses Guarantee
   directly (or through the designated assistance company) will arrange to guarantee or pay any required medical expenses for the hospitalization in Vietnam due to a covered Disability.

4. Family Member Visit
   Through the designated assistance company, will reimburse the costs of economy class travel and reasonable charge of accommodation for one immediate family member to join the Insured Person if he is confined in a hospital for more than 3 consecutive days or in the status of no hope to last or is dead abroad.

5. Return of Children
   If the Insured Person's insured dependent children (age below 14) are left unattended in Vietnam as a result of Serious Injury, Illness, or hospitalization, or death of the Insured Person, will pay or arrange through the designated assistance company reasonable additional accommodation and economical class of traveling expenses for them to return to the Country of Origin.

6. Mortal remains repatriation / Funeral
   In the event of the death of the Insured Person, through its designated assistance company, will arrange the repatriation of the mortal remains to the Insured’s Country or Country of Origin. and its designated assistance company may arrange the burial at the recent locality if requested by the Insured’s family. The maximum liability is the limit set out in the Insurance Certificate. Burial charges include charges for funeral and other relevant services only.

   
   Note: Prior approval on point (a) of this section needs to be taken by the Insured Person from and all arrangements must be coordinated by ’s designated assistance company.

2. TRAVEL ASSISTANCE

1. Pre-departure information
   The designated assistance company will provide information relating to visa and Compulsory vaccination as well as information about exchange rate, weather of countries of arrival.

2. Embassies information
   The designated assistance company will provide the Insured the address, telephone numbers and working time of the nearest relevant Consulates or Embassies on the scope of worldwide.

3. Interpretation Reference
   The designated assistance company will provide the Insured the address, telephone numbers and working time of interpreting companies on the scope of worldwide.

4. Legal Reference
   The designated assistance company will provide the Insured the address, telephone numbers and working time of law offices and lawyers on the scope of worldwide.

5. Medical service provider information
   The designated assistance company will provide the Insured the relevant information about doctors, hospitals, clinics and dentists in Vietnam or on the scope of worldwide.

ARTICLE 6: PERSONAL ACCIDENT

1. The benefits shall be payable for accidental death or disablement occurring within 12 calendar months of the Accident provided always that the cause of such accidental death or disablement arises within the Period of Insurance.

2. Benefits are expressed as a percentage of the sum insured set out in the Insurance Certificate in respect of the relevant Insured Person. This insurance condition will reimburse the Insured Person in the following circumstances:

   Accidental Death:	100%
   Total and irrecoverable loss of sight in one or both eyes:	100%
   Total loss of chewing or speaking function:	100%
   Total loss of one or more limbs:	100%
   Total and irremediable loss of use of two or more limbs:	100%
   Permanent Total Disablement:	100%
   Total and irremediable loss of use of one limb:	75%

3. Any benefit under the "Personal Accident" section of this Policy (except point “Total and irremediable loss of use of one limb”) becoming payable no further liability shall be attached to . The maximum limit for each Insured Person is payable as set out in the Insurance Certificate.

4. The beneficiary of the Policy in case of Death of the Insured will be the heir-at-law according to relevant laws and regulations, unless otherwise informed in writing to before.

ARTICLE 7: BAGGAGE AND PERSONAL EFFECTS

This section of the Policy provides indemnity for loss, physical breakage or damage directly resulting from theft, robbery, burglary, accident or mishandling by carriers occurring during the Period of Insurance to the Insured Person’s personal baggage, clothing and personal effects that:

• Carried on the journey
• Checked in with the transport provider as accompanying baggage, or
• Bought on the Insured’s journey

Provided that:

1. The loss must be reported to the local police where the loss occurs, the carriers or any third parties liable within 24 hours of the occurrence.

2. The Insured Person shall observe ordinary and proper care for the safety of the property insured, including safeguard his accompanied baggage or personal property and not leave them unattended in a public place. All baggage are to be examined when received and in the event of any destruction, loss or damage coming to the notice of the Insured Person shall give IMMEDIATE notice to:

   1. The police in case of theft, loss or willful damage by a third party, and obtain written documentation from local police where the loss occurs.

   2. The carriers when loss or damage has occurred in transit, and obtain a copy of the official "Baggage Irregularity Report".

3. The limit of 's liability is US$/Euro 200 for each item and US$/Euro 400 for each pair or set. Camera body, lenses and accessories will be treated as a set. The maximum liability shall not exceed the limit set out in the Insurance Certificate.

4. Subject to point (5) of this section, will by payment or at its option by replacement or repair indemnify the Insured Person against each such loss or damage provided that the maximum liability shall not exceed the limit set out in the Insurance Certificate.

5. For claims relating to breakage or damage, the claimant shall produce the damaged property as physical evidence for the 's inspection at the claimant's cost.

6. This "Baggage and Personal Effects" benefit does not cover:

   1. Loss or damage in consequence of delay, confiscation, detention or examination by customs authorities or other officials.

   2. Losses of cash, bank notes, negotiable instruments, bonds or securities, credit cards and other instruments of payment or documents of any kind, passports, visas, air tickets and transportation, accommodation or any other travel vouchers or coupons.

   3. Loss of or breakage to any pager, portable telecommunication equipment, computer equipment, software and related accessories.

   4. Breakage or damage to fragile or brittle articles of every description, china, glassware, porcelains, objects d'art, set and onset precious or semiprecious gemstones, foodstuff, spectacles and sunglasses as a result of scratching.

   5. Wear and tear, moth, vermin or inherent vice, mechanical, electrical or electronic derangement, cleaning, repairing or restoring process, atmospheric or climatic changes.

   6. Business merchandise or samples, including the cost of reproducing data whether recorded on tapes, cards, discs or otherwise.

   7. Loss of any baggage that is left behind or unattended in a Public Conveyance or a public place.

   8. Loss of or damage to baggage mailed or shipped separately.

   9. Any property or personal belongings specifically insured elsewhere or recovered/repaired by a third party.

   10. Loss of jewelry except by armed robbery or by theft/burglary from a hotel safety deposit box.

   11. Damage to luggage, excepting total loss.

ARTICLE 8: BAGGAGE DELAY BENEFIT

will pay up to the limit set out in the Insurance Certificate for each Insured Person for emergency purchases of essential items of toiletries or clothing consequent upon temporary deprivation of baggage for at least 12 hours from the time of arrival at destination abroad due to delay, misdirection, or non delivery.

Provided that:

1. The maximum amount recoverable for any one article shall be US$/Euro 80.

2. The delay is certified by an official “Baggage Irregularity Report” from the airline or in writing by a letter from the tour operator.

3. The delay is not as a result of detention or confiscation by customs or other government officials.

4. Documentation (including original purchase bills) is produced by the Insured Person showing details of the expenditure.

5. A claim cannot be made under this section if the same loss is claimed for under section (4) of "Baggage and Personal Effects" benefit of this Policy.

6. No cover is provided after the Insured Person returns to the Country of Origin or reaches the final destination.

ARTICLE 9: LOSS OF TRAVEL DOCUMENT BENEFITS

If an Insured Person loses his passport, air tickets and travel documents arising from theft, robbery, burglary and accidental loss during a trip covered by this Policy, will reimburse the Insured Person for the cost of obtaining replacement of passports, air tickets and travel documents, as well as additional hotel accommodation and travel expenses reasonably incurred in effecting such replacements and for returning to the Country of Origin due to the invalidity of the original return ticket attributable to such loss, up to the limit set out in the Insurance Certificate.

Provided that:

1. will not be liable under this section if within 24 hours or as soon as practicable after the Insured Person is aware of the loss as described above the Insured Person fails to report such loss to the police and to obtain a copy of the related police report.

2. will not be liable under this section if the Insured Person contributed to his own loss by leaving passports, tickets or travel documents unattended in a public place.

3. The maximum limit per day for reimbursement on travel expenses and accommodations is 10% of the limit amount for this benefit.

4. The reimbursement cost for air ticket should be limited to economy class only.

ARTICLE 10: “CURTAILMENT OF TRIP” OR "CANCELLATION CHARGES" BENEFIT

The Insured Person shall be indemnified against:

1. Loss of all non refundable prepaid travel arrangement deposits of every description in case the whole trip is cancelled

2. Any increased cost of travel with the least expensive alternative mode of transport or accommodation for the Insured Person to return to the Country of Origin in case the trip is curtailed.
   will indemnify up to the limit set out in the Insurance Certificate and only when the curtailment or cancellation of trip is the consequence of:

   1. Death, Serious Injury or Illness befalling the Insured Person.

   2. Death, Serious Injury or Illness, afflicting an Insured Person's Immediate Family Members, or a travel companion who is also insured under the same policy of the Insured Person.

   3. Witness summons, jury service or compulsory quarantine of the Insured Person.

Provided that:

1. No benefit shall be payable in respect of expenses arising directly or indirectly out of pregnancy, childbirth, or gynecological disease or their sequelae.

2. Any such cause does not arise from medical or physical conditions or other circumstances affecting the Insured Person, or Immediate Family Members or travel companion of the Insured Person known to exist on the date of issue of this Policy.

ARTICLE 11: PERSONAL LIABILITY

will indemnify the Insured Person up to a maximum limit specified in the Certificate of Insurance inclusive of legal costs and expenses against legal liability to a third party (including such party's reasonable costs and expenses) arising from an event occurring during the Period of Insurance.

Provided that it is a result of:

1. Accidental bodily injury to third party.

2. Accidental loss or damage to third party's property.

This "Personal Liability" benefit does not cover any liability, loss or claim

1. payable by any other insurance company or third party, or

2. arising directly or indirectly from:

   1. employers liability, contractual liability or liability to the Immediate Family Members of an Insured Person;

   2. properties or animals belonging to or held in trust, in the care, custody or control of an Insured Person;

   3. any willful, malicious, unlawful or deliberate act;

   4. pursuit of a trade business or profession;

   5. ownership or occupation of lands or buildings (other than occupation only of any temporary residence);

   6. ownership, possession, hire, use or operation of motorized vehicles or aircraft or watercraft of all description;

   7. legal costs resulting from any criminal proceedings;

   8. insanity, the use of any drug (except as medically prescribed but excluding drug addiction), or intoxicating liquor, or the use of firearms; and

   9. bailments, contractual licences or conveyances or real estate or personal property.