This insurance covers all registered tourists and the tour guides of the Policyholder against loss resulting from accident which occurs whilst under the care and in the course of itinerary arranged with the Policyholder.
The total liability of the company in respect of any one accident or series of accident arising out of any one event not exceed Baht 8,000,000 in aggregate.
The Policyholder agrees to keep a proper registration of all tourists to which this insurance has been afforded and such record of registration shall be available for inspection upon request by the company.
The insurance does not cover all registered tourists and the tour guides of the policyholder against loss resulting from accident which occurs whilst under the care and in the course of itinerary arranged with the policyholders as follow;
1) Rock Climbing
2) Abseiling / Rappelling
3) Spider Web Climbing
4) Rope Bridge
5) Sky Slider (by rope or sling)
6) Trekking - Hike
7) Mountain Bike
8) Horse Riding / Elephant Riding
1. The insurance will be coverage all guests for bookings are reserved at least 3 days in advance before check in date.
2. Hotels2thailand acts as the travel agency in Thailand and is purposed to provide the insurance to cover any accidents incurs while staying in Thailand during period of arrival until departure for Hotels2thailand.com's customers who booked with us only,
Therefore, whatever type of accident incurs, all cases of judge are dependent between on hospitals' consideration and AIG NEW HAMPSHIRE INSURANCE COMPANY only. We reserve the right to take all judges from insurance company and hospitals are the final results.
TRANSLATION
INSURING AGREEMENTS
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The Company affords coverages only for Insuring Agreement which has an amount of liability stated in the Schedule for that Item.
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This Insurance covers any losses or injuries to the Insured arising from bodily injury, which is caused by an accident, giving results as follows:
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1. Loss of Life, Dismemberment, Loss of sight or Permanent Disability
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If the Insured sustains injury and it causes loss of life, dismemberment, loss of sight or permanent disability within 180 days from the date of accident or the injury causes the Insured to receive continuous medical treatment as an in-patient in hospital and loss of life occurs later because of such injury, the Company will pay the compensation in accordance with the sum insured stated in the Schedule as follows:
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1.1
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100% of the sum insured for loss of life.
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1.2
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100% of the sum insured for permanent disability, which continues not less than 12 months after the accident or if there is any medical indication that the Insured suffers a permanent disability.
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1.3
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100% of the sum insured for loss of both hands from the wrist joint or both feet from the ankle joint or loss of sight for both eyes.
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1.4
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100% of the sum insured for loss of one hand from the wrist joint and one foot from the ankle joint.
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1.5
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100% of the sum insured for loss of one hand from the wrist joint and loss of sight in one eye.
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1.6
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100% of the sum insured for loss of one foot from the ankle joint and loss of sight in one eye.
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1.7
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60% of the sum insured for loss of one hand from the wrist joint.
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1.8
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60% of the sum insured for loss of one foot from the ankle joint.
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1.9
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60% of the sum insured for loss of sight in one eye.
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Permanent dismemberment refers to the loss of body organ from the wrist joint or the ankle joint, and also the loss of that organ, which according to the medication, will never de able to function at any time in the future.
Loss of Sight refers to complete blindness, which is permanently incurable.
The Company shall compensate only one item of loss which has the highest amount.
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2. Total Temporary Disability
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If the Insured sustains injury and it causes total temporary disability to the Insured within 180 days from the date of accident, the Company shall compensate weekly indemnity for the amount stated in the Schedule during the disability period (maximum 52 weeks), less the deductible (if any).
The Company shall cease paying for this compensation under this item immediately if the Company subsequently has to pay compensation under the Insuring Agreement No. 1.
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3. Partial Temporary Disability
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If the Insured sustains injury and it causes partial temporary disability within 180 days from the date of accident, the Company shall compensate weekly indemnity for the amount stated in the Schedule during the disability period (maximum 52 weeks), less the deductible (if any).
The Company shall cease paying for this compensation under this item immediately if the Company subsequently has to pay compensation under the Insuring Agreement No. 1 or No. 2.
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4. Medical Expenses
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If the Insured sustains injury and requires him to receive medical treatment by a legally licensed physician or surgeon, or requires treatment by licensed nurse, the Company shall compensate the Insured according to the actual medical expense, hospital charges or nurse fees, except individually-hired-nurse fees, incurred within 52 weeks from the date of accident, but not exceeding the amount specified in the Schedule, less the deductible (if any).
If the Insured receives compensation from government or other welfare or from other insurer, the Company is responsible only for the excess amount, over that which is covered under the welfare or other insurer's policy.
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EXCLUSIONS
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This insurance does not cover
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1. Any Loss or Injury arising from/ or in consequence of the following causes:
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A.
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Actions of the Insured while under the influence of alcohol, addictive drugs, narcotic drugs to the extent of being unable to control one's mind. The term "under the influence of alcohol" in case of having a blood test refers to a blood/alcohol level of 150 mg percent and over.
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B.
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Suicide or attempt suicide or self-inflicted injury.
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C.
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Infections except pyrogenic inflections, tetanus, or rabies from a wound or cut suffered as a result of an accident.
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D.
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Medical treatment or surgical treatment except the necessary treatment for the injury which is covered under this Insurance Policy and occurring within the period of this Insurance Policy.
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E.
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Miscarriage and abortion.
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F.
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Dental care ,root canal treatment, replacement of or new sets of Dentures except necessary first aid treatment following an accident.
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G.
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Backache as a result of Herniated Disc, Prolapse Disc, Subluxation or Spondylolisthesis, Degeneration or Spondylosis except if there is a fracture or dislocation of spinal cord as a result of an accident.
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H.
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War (whether declared or not) , invasion, act of foreign enemies, civil war, revolution, insurrection, civil commotion, popular rising against the government, riot and strike.
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I.
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Nuclear weapons, radiation or radio activity from any nuclear refuse arising from the combustion of nuclear fuel and any process of self-sustaining nuclear fission/fusion.
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2. Loss or Injury which occurs:
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A.
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While the Insured is hunting for animals, racing of all kinds of car or boat, horse racing, ski playing or racing, skate racing, boxing parachute jumping (except for the purpose of life saving), boarding or traveling in a hot-air balloon, gliding, bungee jumping, mountain climbing with equipments, or diving with oxygen tank and breathing equipment under water.
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B.
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While the Insured is riding or traveling on a motorcycle.
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C.
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While the Insured is boarding or traveling in an aircraft which has no license for carrying passengers or does not operate as a commercial aircraft.
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D.
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While the Insured pilots or works as a crew in any aircraft.
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E.
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While the Insured is taking part in a brawl or taking part in inciting a brawl.
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F.
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While the Insured is committing a felony or while the Insured is being arrested, under arrest or escaping the arrest.
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G.
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While the Insured serves as a soldier, police, or a volunteer and participates in war or crime suppression. If the time served is more than 30 days, the Company shall refund the premium from the date of service until such service is ended. After such time, the Insurance shall become effective again until expiry date on the Schedule.
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