Personal Accident Insurance for Driver, Assistant Driver and Passenger on Vehicle

SUBJECT INSURED

Drivers, assistant drivers and passengers.

COVERAGE

Bodily injury to the insured person caused by accidents while being in vehicle, getting into / out of the vehicle and during it is operating in traffic.

INSURANCE BENEFITS

  1. In case the Person insured dies due to an insured accident, Phu Hung will pay the total Sum Insured specified in the Insurance Policy/ Certificate of Insurance.
  2. In case the Person insured sustains disablement permanent due to an insured accident, Phu Hung will pay a sum insured equal to a percentage of Sum Insured as specified in the Table of Schedule Payment issued by Phu Hung as the Decision No. 04/QĐ/BH-PAC-13 dated 28/08/2013.
  3. In case the Person insured has temporary disablement due to an insured accident

    3.1. In respect of the sum insured up to VND 20 million/person/occurrence.

    Phu Hung will pay a sum insured equal to a percentage of Sum Insured as specified in the Table of Schedule Payment issued by Phu Hung as the Decision No. 04/QĐ/BH-PAC-13 dated 28/08/2013.

    3.2. In respect of the sum insured over VND 20 million/person/occurrence.

    Sum Insured = (percentage of the temporary disablement as specified in the Table of Schedule Payment x VND 20,000,000) + Sum Insured x 0.1% x number of treatment days, maximum 180 days/occurrence.

    The number of treatment days will be determined as in one of the following cases, whichever is the lesser:

    • The number of hospitalization days plus the number of post-hospitalization treatment days. The post-hospitalization period shall be indicated by the attending physician.
    The number of days off as certified by the working unit of the Person insured.

EXCLUSION

  1. Intentional acts causing damage by the Vehicle Owner, Driver and those who have interests related to the ownership, exploitation, and use of the vehicle (only apply for accident of driver);
  2. At the time of the vehicle in traffic when the loss occurs, the vehicle has no valid Certificate of technical and environmental safety inspection for road motor vehicle under the current provisions of law (only apply for accident of driver);
  3. The Driver has no driving license or the driving license is not suitable for the type of vehicle which is compulsory to have a driving license. If the Driver is revoked the driving license time – limited or indefinite, it is considered as no driving license (only apply for accident of driver);
  4. The Driver drove the vehicle under the status or having alcohol in blood or breath, use drug or stimulant banned according to regulations of the law at the time of loss;
  5. The vehicle enters the forbidden lines, restricted areas, opposite direction street, turns into the forbidden street, goes through the red traffic light or don’t comply with the instruction of traffic controller, inadequate lighted while running at night (only apply for accident of driver);
  6. Racing (whether legal or not); using the insured vehicle to tow other vehicles which do not comply with provisions of law;
  7. Vehicle carrying illegal goods according to provisions of law (only apply for accident of driver);
  8. Losses due to natural wear and tear or due to the inherent nature of the property, consequential loss such as commercial devaluation, loss caused by the termination of production, using, exploitation;
  9. Loss occurs in cases of war, terrorism;
  10. The accident happened outside the territory of The Socialist Republic of Vietnam;
  11. The vehicle overloads or carries the number of persons in excess of 50% (excluding children under 07 years old) as regulated Certificate of technical and environment safety inspection for road motor vehicle (for cargo vehicles based on load, for passenger vehicles based on the number of people carrying, for passenger and cargo vehicles combined based on the load or number of people carrying).
  12. Accident done intentionally by the person insured.
  13. Assault provoked by the Person insured other than for self-defense.
  14. The Person insured under the influence of alcohol over the concentration regulated by the Law, under the influence of drugs and stimulant substances of similar nature.
  15. Person insured has sudden cold or illness, hit by the wind.
  16. Food and drink poisoning, being affected by drugs without any medical indication provided by a competent authority.

PREMIUM AND SUM INSURED

Premium and sum insured are clearly shown in the Insurance Policy and/or Certificate of Insurance.

RESPONSIBILITY OF VEHICLE OWNER AND DRIVER WHEN ACCIDENT OCCUR

  1. Promptly notify Phu Hung of the accident by written, email, fax, phone for coordinated settlement, actively rescue and treat victims, mitigate human and property damage and protect the accident scene; and at the same time, report on the accident to the nearest Police office or local administration (except for force majeure);
  2. Do not move, remove or repair the property without the consent of Phu Hung; except where necessary to ensure safety and prevent or limit damage to people and property, or where it at the request of the competent authority;
  3. Within 05 days from the date of the accident (except for force majeure), the vehicle owner should give written notice of the accident to Phu Hung.
  4. The Insurance Buyer/Vehicle Owner must act with good faith in collecting and providing documents and evidence in claim dossier and must create favorable conditions for Phu Hung in verifying the truthfulness of such documents;
  5. Other obligations as may be prescribed by Insurance Policy and law and regulation.

DOCUMENT

Wording and premium rate of voluntary motorbike insurance issued in accordance with Decision No. 02QD-BH-PAC-15 dated 21.01.2015 of Phu Hung

Wording and premium rate of motor vehicle comprehensive insurance issued in accordance with Decision No. 07-19-QD-PAC dated 02.07.2019 of Phu Hung.

Relevant Products

Garage list
Display as:
No. Garage name Address Telephone
1 Công ty Cổ phần TMDV Thần Châu Auto 171 Điện Biên Phủ, P.15, Q.Bình Thạnh, TP.HCM 028 3938 1294
2 Công ty TNHH TM Sửa chữa Ô Tô Thanh Giao 1 Ngô Văn Năm, Q.1, TP.HCM 028 3823 6445
3 Công ty TNHH Ô Tô Chính Hiệp 45 Xa Lộ Hà Nội, P.Thảo Điền, Q.2, TP.HCM 028 3744 2696
4 Doanh Nghiệp Tư Nhân TM-KT Khang Thành 20-22 Đường số 1,P.Bình Khánh, Q.2, TP.HCM 028 6287 2127
5 Công ty Cổ phần Ô Tô Phú Mỹ Lô B1, đường C2, KCN Cát Lái 2, P.Thạnh Mỹ Lợi, Q.2, TP.HCM 028 3742 5454

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