Personal Accident Insurance is insurance that provides compensation for death, total disability and medical expenses caused by the arrival of the risk of a sudden, unexpected, and from outside the self-insured.
Comprehensive guarantee, unless caused by:
- Action / state / deliberate act by the policyholder and / or the person named in the policy
- Action / state / deliberate action by the person who appoint as a receiver in the compensation policy
- At the time of the insured to act capacity or at the behest of the military, the authorities (police)
- War, foreign military action, revolution, rebellion, riots, armed rebellion or other similar disturbances or riots
- Intentionally commit a crime or participated in the crime by the insured
- Threatening suicide or self by the insured
- An accident while driving the insured motor vehicle without a valid license or under influence alcohol and / or drugs
- Suffering from an illness and / or disability in a state of physical and spiritual
- Earthquakes, volcanic eruptions or tsunamis
- Medical treatment or surgery unless the risks covered by the policy
- Pregnancy, childbirth, premature birth by the insured
- Sporting activities that are harmful
