Combined Personal Insurance

The Insured at own discretion to choose at least two among three following coverage options:
1. Condition A: Death following illness/ sickness or disease, other than exclusions as specified in policy wording: full sum insured stated in the Schedule/ Certificate of Insurance will be reimbursed by BIC
2. Condition B: Death or bodily injury following accident, other than exclusions as specified in policy wording:
a. In case of death under the coverage of Policy: full sum insured stated in the Schedule/Certificate of Insurance will be reimbursed by BIC.
b. In case of bodily injury under the coverage of Policy: compensation as per “ Table of Injury Insurance Payment Rate” of BIC
3. Condition C: In-patient medical expenses following illness/sickness, diseases, and childbirth or surgical operation, other than exclusions as specified in policy wording:
a. In case of hospitalization under the coverage of Policy , BIC will pay the daily cash allowance during the hospitalization as follows:
- With western medicine treatment:
+ 10 first days: indemnify 0,30% of the sum insured per day;
+ 20 following days: indemnify 0,20% of the sum insured per day;
+ 30 following days: indemnify 0,15% of the sum insured per day;
- With oriental medicine treatment:
+ 10 first days: indemnify 0,15% of the sum insured per day;
+ 20 following days: indemnify 0,10% of the sum insured per day;
+ 30 following days: indemnify 0,08% of the sum insured per day.
The days of paying allowance per year is calculated on continuous basis, regardless of times of hospitalization and not exceed 60 days per year. In case of short-term insurance (below 12 months), benefit of insurance will be paid base on ratio of actual insurance period over 12 months.
b. In case of surgical operation under the coverage of Policy, BIC will pay cash allowance as per “Table of Surgical Operation Payment Rate” of BIC.