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Accidents, by their very nature, can happen at anytime, in anyplace and to anyone, men or women, children or adults old or young. Turn on your TV, open a newspaper or switch in the radio and you'll hear or read about accidents big and small from all over the world. Dhipaya Accident insurance is offered to help policyholders to cope in the unfortunate event of an accident to themselves or others in their family. It can help relieve financial burdens and medical costs in the case of a death, loss of limbs, handicap and other injuries that may result from the accident. The company compensates insurance holders or their beneficiaries, depending on the circumstances of each case. This helps claimants to remain financially secure if they are unable to continue working or are unable to earn money. In the case of serous injury, insurance holders can claim their medical expenses and, in the extreme case of death, the beneficiaries of insurance holders will be able to claim for compensations or benefits.
Our Accident Insurance is divided into 3 categories:
1. Personal Accident Insurance
2. Group Accident Insurance
3. Student Accident Insurance
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Terms of Insurance
Normally a period of one year but for three to six month coverage, insurance premiums will be calculated using the short-term premium table.
Terms of coverage
24 hours around the world. Our insurance covers insured persons while they are working or relaxing and traveling via bus, boat or any commercial airplane
Coverage
The insurance covers losses and body injuries affected by external factors and accidents with the following conditions:
 Loss of life within 180 days of the day the accident or injury was sustained. This means that claimants must have been admitted to a hospital as a patient and loss of life must be directly attributed to their injuries. Loss their limbs due to amputation or loss of normal function, which must be certified by a medical professional.
Permanent disability means that the injured limbs are unable to perform normally. This can be divided into two types: total disability and partial disability.
On medication and under the supervision of licensed doctors. The company will reimburse actual payments to insurance holders for 52 weeks from the date of the accident, but the amount given cannot exceed the amount agreed in the original insurance agreement. (If insurance holders are eligible to receive reimbursements from the government or any other insurance companies, Dhipaya will make up the shortfall).
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Insurance premiums are assessed on a case-by-case basis. For example, office staff and accountants are naturally exposed to lower risks than drivers and motorcycle messengers.
For more information, please contact our Accident &Health Business Unit
Tel 0-2239-2200 # 2846, 2082, 2064
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