Travel Accident Insurance

Travel insurance provides coverage in case an accident occurs while traveling, resulting in an injury or required hospitalization, or losing an organ, arms, legs, eyesight or life. However, such accident must occur within a stipulated travel period.

What are the criteria for claim payment?

The criteria for claim payment with regards to travel insurance can be categorized into two cases, as follows

  1. If the insured loses life or organs, arms, legs or eyesight, the company will provide monetary compensation to the insured or their successors as follows
    • 1.1 Death: 100% of the sum insured
    • 1.2 Loss of arms, legs and/or eyesight, on both sides: 100% of the sum insured
    • 1.3 Loss of an arm, a leg or an eye: 50% of the sum insured
  2. If the insured is injured, the insurance company will pay for the actual hospitalization expenses, but the amount must not exceed the sum insured.

What are exclusions to the travel insurance policy?

Travel insurance is only intended to cover accidents where the risks are basic to the general public. Therefore, there are insurance exclusions where specific occurrences shall not be covered, for example

  1. The insured acting under the influence of alcohol or drugs
  2. Suicide, attempt to commit suicide, or self-injury
  3. Miscarriage
  4. Wars, coups, rebellion
  5. Riots, strikes, unrest caused by public protests against the government
  6. Radiation or radioactivity from nuclear fuel or nuclear weapons
  7. Taking part in dangerous sports, such as skiing, car races, skating competitions, etc.
  8. While riding a motorcycle or traveling by motorcycle
  9. While traveling by an aircraft that is not a commercial aircraft, such as a helicopter.

Travel Accident Insurance Safe & Save

Travel Accident Insurance Perfect

Highlights

  • Provide a 24-hour protection during international travel.
  • Select from per trip cover or annual cover.
  • Worry-free travel with a 24-hour AAGI Travel Assistance Hotline.
  • Can be used for submission with Schengen Visa application.
  • Guarantee 100% Refund Premium if Visa application Denied.

Conditions

  • Must have Thai residency and trip must start from Thailand.
  • Ages 1-75
  • The annual plan is restricted for ages 15-65 and each stay is covered up to 120 days per trip with no limitation on the number of trips taken during the year.

The Excluded Countries

Afghanistan / Algeria / Burundi / Central African Republic / Chad / Colombia / Eritrea / Guinea / Haiti / Iraq / Ivory Coast / Kenya / Lebanon / Libya / Mali / Mauritania / Mexico / Niger / Nigeria / North Korea / Pakistan / Somalia / Sudan / South Sudan / Syria / Yemen / Saudi Arabia / Kosovo

Travel Perfect Insurance Plan

Coverages Sum Insured (Baht)
Perfect 1 Perfect 2 Perfect 3 Perfect 4
Loss of Life, Dismemberment, Loss of Sight or Total Permanent Disability due to Accident 5,000,000 3,000,000 2,000,000 2,000,000
Medical Benefit for Injury or Sickness During Travel Overseas 5,000,000 3,000,000 2,000,000 2,000,000
Medical Benefit for follow-up case after return to Thailand (be a part of sum insured of Medical Benefit Coverage) 300,000 250,000 200,000 100,000
Emergency Medical Evacuation and Repatriation Coverage 4,000,000 2,000,000 2,000,000 2,000,000
Repatriation of Mortal Remains 2,000,000 2,000,000 2,000,000 2,000,000
Return of Minor Child to Thailand 250,000 150,000 70,000 -
Hospital Visitation 250,000 150,000 70,000 -
Overseas Daily Hospital Income Benefit Due to Accident or sickness (Maximum 30 days) 5,000 3,000 1,500 -
Trip Cancellation 500,000 300,000 200,000 -
Trip Curtailment 500,000 300,000 200,000 -
Travel Delay - 10% of Total Sum Insured for every 6 Consecutive hours delay 50,000 30,000 20,000 -
Loss or Damage of Baggage and/or Personal Effects, maximum 5,000 Baht/piece/pair, not exceed 50,000 30,000 20,000 -
Baggage Delay - 10% of Total Sum Insured for every 6 Consecutive hours delay 50,000 30,000 20,000 -
Third Party Liability 4,000,000 3,000,000 1,000,000 500,00
Flight Misconnection - 10% of Total Sum Insured for every 6 Consecutive hours delay 25,000 15,000 10,000 -
Loss or Damage of Personal cash and Travel Cheque 10,000 5,000 - -
Loss or Damage of Travel Document 30,000 15,000 - -
Golf Equipments Benefits maximum 5,000 Baht/piece/pair, not exceed 50,000 30,000 - -
Hole-In-One Benefits 20,000 10,000 - -
Rental Vehicle Excess 30,000 15,000 - -
Hijack, maximum 200,000 100,000 100,000 -
Emergency Telephone Call Charges 1,500 1,000 500 -

Premium

Single Trip                                             Premium (Baht)
Duration (days) Perfect 1 Perfect 2 Perfect 3 Perfect 4
Asia WW Asia WW Asia WW Asia WW
1 935 1,113 688 919 462 599 209 281
2 945 1,276 699 930 468 604 215 286
3 956 1,287 704 940 473 615 220 292
4 1,119 1,531 819 1,113 541 717 242 336
5 1,214 1,668 892 1,208 587 777 270 372
6 1,231 1,685 903 1,219 593 788 276 378
7 1,407 1,728 1,024 1,250 662 798 319 385
8 1,559 1,915 1,133 1,380 731 880 354 426
9 1,576 1,938 1,145 1,398 742 892 360 432
10 1,593 1,955 1,156 1,415 748 903 366 438
11 1,728 2,216 1,250 1,586 798 1,003 403 524
12 1,832 1,832 1,320 1,678 842 1,062 409 529
13 1,854 2,371 1,337 1,700 853 1,073 414 535
14 1,870 2,398 1,353 1,716 864 1,084 420 541
15 2,053 2,615 1,4760 1,869 930 1,171 483 616
16 2,173 2,772 1,562 1,980 985 1,238 489 621
17 2,195 2,800 1,579 2,002 996 1,254 495 627
18 2,222 2,833 1,595 2,024 1,007 1,265 501 633
19 2,295 2,940 1,644 2,095 1,035 1,308 541 690
20 2,431 3,113 1,738 2,217 1,095 1,381 532 678
21 2,459 3,146 1,760 2,244 1,106 1,397 538 689
22 2,481 3,190 1,777 2,266 1,117 1,414 544 695
23 2,657 3,333 1,898 2,371 1,188 1,474 583 717
24 2,684 3,366 1,920 2,398 1,205 1,491 588 728
25 2,717 3,405 1,942 2,426 1,216 1,507 594 734
26 2,745 3,443 1,964 2,448 1,232 1,524 600 745
27 2,772 3,482 1,986 2,475 1,243 1,540 605 751
28 2,910 3,498 2,074 2,492 1,298 1,546 639 762
29 2,943 3,542 2,096 2,519 1,309 1,562 644 773
30 2,976 3,581 2,123 2,547 1,326 1,579 650 779
31 3,009 3,619 2,145 2,574 1,337 1,595 644 776
32 – 38 3,619 4,230 2,569 3,003 1,595 1,854 776 908
39 – 45 4,230 4,840 2,998 3,427 1,854 2,112 908 1,034
46 – 52 4,840 5,451 3,427 3,856 2,112 2,371 1,034 1,166
53 – 59 5,451 6,061 3,856 4,285 2,371 2,624 1,166 1,293
60 – 66 6,061 6,672 4,279 4,708 2,624 2,882 1,293 1,425
67 – 73 6,672 7,282 4,708 5,137 2,882 3,141 1,425 1,557
74 – 80 7,282 7,893 5,137 5,566 3,141 3,399 1,557 1,683
81 – 87 7,893 8,503 5,561 5,990 3,399 3,658 1,683 1,815
88 – 94 8,503 9,114 5,990 6,419 3,658 3,911 1,815 1,942
95 – 101 9,114 9,724 6,419 6,848 3,911 4,169 1,942 2,074
102 – 108 9,724 10,340 6,848 7,271 4,169 4,428 2,074 2,206
109 – 115 10,340 10,951 7,271 7,700 4,428 4,686 2,206 2,332
116 – 122 10,951 11,561 7,700 8,129 4,686 4,945 2,332 2,464
123 – 129 11,561 12,172 8,129 8,558 4,945 5,203 2,464 2,591
130 – 136 12,172 12,782 8,553 8,982 5,203 5,456 2,591 2,723
137 – 143 12,782 13,393 8,982 9,411 5,456 5,715 2,723 2,855
144 – 150 13,393 14,003 9,411 9,840 5,715 5,973 2,855 2,981
151 – 157 14,003 14,614 9,840 10,263 5,973 6,232 2,981 3,113
158 – 164 14,614 15,224 10,263 10,692 6,232 6,490 3,113 3,240
165 – 171 15,224 15,835 10,692 11,121 6,490 6,743 3,240 3,372
172 – 178 15,835 16,451 11,121 11,545 6,743 7,002 3,372 3,504
179 – 180 16,451 17,061 11,545 11,974 7,002 7,260 3,504 3,630
Annual Trip 9,000 6,400 4,150 2,400
 

Remark

Detail of terms, conditions, and exclusions are specified in the policy  

Warning

  • Interested consumers are advised to study the details of terms and conditions before purchase.
  • Conditions of insurance converage and premium rates are specified by the Company.

Travel Accident Insurance Travel Plus

Maximum Sum insured per trip (Baht)

Coverage Oasis Silver Oasis Gold Oasis Platinum Oasis Annual
1. Loss of Life, Dismemberment, Loss of Sight or Total Permanent Disability caused by accident 2,000,000 3,000,000 4,000,000 6,000,000
2. Overseas Medical Expense Reimbursement 1,500,000 2,000,000 2,500,000 2,500,000
3. Emergency Medical Evacuation & Repatriation Expenses 2,000,000 2,000,000 2,000,000 2,000,000
4. Emergency Medical Expenses within Thailand 150,000 200,000 250,000 250,000
5. Additional Transport Not Cover 10,000 10,000 10,000
6. Child Guard 15,000 15,000 15,000
7. Trip Cancellation Expenses Not Cover 50,000 5,000
8. Trip Curtailment Expenses 50,000 5,000
9. Travel Delay 50,000 50,000
10. Missed Connecting Travel 50,000 50,000
11. Loss of Personal Baggage and/or Personal Property 50,000 50,000
12. Baggage Delay 20,000 30,000
13. Loss of Personal Money and/or Personal Documents Overseas 5,000 5,000
14. Personal Liability 1,000,000 2,500,000 3,500,000
15. Automatic Extension days
 

Maximum Sum insured per trip (Baht)

Trip duration Oasis Silver Oasis Gold Oasis Platinum Oasis Annual
individual Family individual Family
1-4 days 290 290 600 815 1,630 -
5-7 days 355 370 740 925 1,850 -
8-10 days 420 430 860 1,240 2,480 -
11-14 days 655 695 1,390 1,380 2,760 -
15-22 days 1,235 1,305 2,610 2,170 4,340 -
23-31 days 1,330 1,445 2,890 2,480 4,960 -
32-45 days 1,915 2,185 4,370 3,655 7,310 -
46-62 days 2,075 2,405 4,809 3,940 7,880 -
63-75 days 2,445 2,725 5,450 4,650 9,300 -
76-90 days 2,605 3,150 6,300 5,335 10,670 -
91-120 days 3,925 4,670 9,340 6,210 12,420 -
121-150 days 5,955 7,210 14,420 8,465 16,930 -
151-180 days 7,965 9,225 18,450 11,680 23,360 -
annual trip - - - - - 6,315
 

Remarks

  • The conditions are subjected to the policy wordings.
  • This document is not specific designated for the proposer; the proposer should study the document in details before deciding to submit the insurance application.

Travel Insurance

Travel insurance provides coverage in case an accident occurs while traveling, resulting in an injury or required hospitalization, or losing an organ, arms, legs, eyesight or life. However, such accident must occur within a stipulated travel period.

What are the criteria for claim payment?

The criteria for claim payment with regards to travel insurance can be categorized into two cases, as follows:
  1. If the insured loses life or organs, arms, legs or eyesight, the company will provide monetary compensation to the insured or their successors as follows:
      • 1.1 Death: 100% of the sum insured
      • 1.2 Loss of arms, legs and/or eyesight, on both sides: 100% of the sum insured
      1.3 Loss of an arm, a leg or an eye: 50% of the sum insured
  2. If the insured is injured, the insurance company will pay for the actual hospitalization expenses, but the amount must not exceed the sum insured.

What are exclusions to the travel insurance policy?

Travel insurance is only intended to cover accidents where the risks are basic to the general public. Therefore, there are insurance exclusions where specific occurrences shall not be covered, for example:
  1. The insured acting under the influence of alcohol or drugs;
  2. Suicide, attempt to commit suicide, or self-injury;
  3. Miscarriage;
  4. Wars, coups, rebellion;
  5. Riots, strikes, unrest caused by public protests against the government;
  6. Radiation or radioactivity from nuclear fuel or nuclear weapons;
  7. Taking part in dangerous sports, such as skiing, car races, skating competitions, etc.;
  8. While riding a motorcycle or traveling by motorcycle;
  9. While traveling by an aircraft that is not a commercial aircraft, such as a helicopter.