Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read

Travel Accident Insurance for Individual or Group of Tourists
In reliance upon the statements in the application herefor, made a part hereof, in consideration of thepayment of the premiums from the policyholder or Insured person and subject to General Provisions, Coverages,Exclusions and Endorsements contained herein, attached hereto, the Company makes the following agreementwith the named Insured:
Coverages: The coverage shall be in accordance with the coverage provisions contained herein/endorsements
attached hereto.
General Provisions
1. Definitions: When used in this policy and endorsements attached hereto.
1.1 /Company0 means the Company issues this policy.
1.2 /Policyholder0 means the person is named as the policyholder in the schedule, which he is the person
who provides the insurance for the benefit of the Insured.
1.3 /Insured0 means the person is named as the Insured as specified in the schedule of the policy and/or
any attachment, which he is the person who receives the coverage under this policy.
1.4 /Schedule0 means the schedule of the policy.
1.5 /Accident0 means the sudden accident caused to external of the body, leading to the result which is
not deliberated or expected by the Insured.
1.6 /Injury0 means bodily injury caused solely and directly by accident and independently of any othercauses.
1.7 /Total Permanent Disability0 means the Insured is so disabled that he is unable to perform the daily
duties of his occupation or any other occupations forever..
1.8 /Any losses or damages0 mean an accidental bodily injury sustained by the Insured causes loss of life,
dismemberment, loss of sight, permanent disability of the Insured or admitted to hospital.
1.9 Duration of Insurance means no.of days travelling of insured person for each trip commencing
and complete within the period of insurance.

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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
1.9.1 Domestic and Outbound - Duration of insurance means period of insurance commences
immediately from time leaving place of residence anywhere in Thailand and continues until
completion of the tour schedule and ceases upon arrival place of residence.
1.9.2 Inbound - Duration of insurance means period of insurance commences immediately upon
arrival in Thailand and continues according to the arranged itinerary until completion of theitinerary in Thailand and ceases upon departure at the check-out
boundary of any Thai airports.
2. Validity of Contract and Modification of Statements in the Insurance Contract
This policy including the coverage provisions and endorsements shall be deemed the insurance contract.
Any modifications of the statements hereunder agreed by the Company and endorsed in this policy or theendorsement shall be valid.
3 Period of InsuranceThis insurance policy shall cover as per duration of insurance specify in the general provisions No1.9
within the period of each trip and subject to a maximum limit not exceeding 180 days per trip.
In the case of medical emergency, high jack, flight delay that cause the insured person delay to travel to thedestination within the period of insurance, the period of insurance shall automatic extend and continue until
the completion of travelling as specify in the general provisions No1.9
4. Notification of Claim
The Policyholder, Insured, beneficiary or any person on behalf of the Insured as the case may be, must
notify the Company of the Insured<s injury without delay and in case of loss of life, an urgent notification isnecessary unless there is a reasonably necessity not to do so, but such notification have been given as soon as
possible.

5. Proof of Loss
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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please readIn the case of claim for compensation, the Policyholder, Insured, beneficiary or its agent as the case may
be shall furnish the Company with the proof of loss requested by the Company as necessary at its own
expenses.
In the case of claim for compensation due to loss of life or disability, they shall furnish the Company
with the aforesaid proof of loss within thirty (30) days commencing on the date of loss of life or disabilityand in the case of claim for any other loss shall furnish within 180 days commencing on the date of accident.
However, the claim which is not requested within that period will not be invalid, if there is a reasonably
necessity not to do so, but such claim has been given as soon as possible.
In the case of claim for hospital treatment, the Insured person should furnish the original receipt of
hospital expenses and the Company shall return that original receipt with certified claimed amount for
claiming the remaining part from other insurance company. However, if the Insured receives reimbursementfrom government welfare or any other welfare, the Insured must furnish the copy of the original receipt
together with the certified amount paid by the government welfare or any other organization to claim for theremaining part from the Company.
6. Physical Examinations
The Company shall have the right to examine the Insured person when and as it may reasonably require
during the pendency of a claim hereunder, and to perform an autopsy, if necessary.
7. Payment of Claim
The Company will pay the compensation for loss of life to the beneficiary, others compensation
will be paid to the Insured within 20 days from the date the Company receives the receipt of the corrected andcompleted proof of loss.
In case of there are any queries on claim for the above benefits that the claim are not in accordancewith the coverage specified in the policy, the period can be extended as necessary, but not exceeding 90 days
from the date that the Company receives all documents completely.

Remark: The English Language used in this policy in merely a translation of Thai Version Page 3
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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
Burden of proof shall belong to the Company to proof that the claim is not in accordance with thecoverage specified in the policy. In this case the Policyholder, Insured or the beneficiary shall provide thematter of fact and convenience as the case may be.
If the Company delays in paying the indemnity within the above period, the Company will be liable forthe interest at the rate of 12% per year of the amount payable under this policy from the due date.
8. Limit of Liability
During the insured period, the Company is not liable to compensate, as a result of the Insuring
Agreement No.1, any amount in excess of the amount specified in the Schedule. Whenever compensation
under Insuring Agreement No. 1 is paid in full, the coverage remains on the Policy is only that under
Insuring Agreement No.2 (if any).
9. Appointment of Arbitration
In the case of the controversy arising out of this policy between the claimant and the Company, and if
the claimant wants to extinguish that controversy by arbitration, the Company consents to use an
appointment of arbitration according to the agreement of /Appointment of Arbitration0 of the Insurance
Department.
10. Automatic Termination of This Policy
This policy shall terminate automatically when the Insured is confined in prison.

11. Condition Precedent
The Company will not be liable for any compensation in accordance with the policy unless thePolicyholder, the Insured, beneficiary has legally complied with the insurance contract and the provisions ofthe policy.
Remark: The English Language used in this policy in merely a translation of Thai Version Page 4Policy Wording_TG Domestic _060302© AIG. All Rights Reserved.

Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
INSURING AGREEMENTS
The Company affords coverages only for insuring agreements for which an amount of liability is stated in theSchedule.
This Insurance covers loss or damage arising from the accidental injury to the Insured body, and cause of thefollows results:-Remark: The English Language used in this policy in merely a translation of Thai Version Page 5
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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
Result 1 : Loss of Life, Dismemberment, Loss of sight or Total Permanent Disability
If the injury causes loss of life, dismemberment, loss of sight or total permanent disability of the Insured within
180 days from the date of accident or due to such injury, the Insured is necessary to confine in a hospital as an inpatient continuously and at anytime while this policy is in force, the Insured dies from such injury, the Company
will pay the compensation as the follows:1.1 100% of the sum insured for Loss of Life.
1.2 100% of the sum insured for Total Permanent Disability, which shall sustain for not less than 12months consecutively from the date of accident, or has the medical indication point out that theInsured sustained Total Permanent Disability.
1.3 100% of the sum insured for both hands from the wrist joint or both feet from the ankle joint orsight of both eyes.
1.4 100% of the sum insured for one hand from the wrist joint and one foot from the ankle joint.
1.5 100% of the sum insured for one hand from the wrist joint and sight of one eye.
1.6 100% of the sum insured for one foot from the ankle joint and sight of one eye.
1.7 60% of the sum insured for one hand from the wrist joint.
1.8 60% of the sum insured for one foot from the ankle joint.
1.9 60% of the sum insured for sight of one eye.
Total permanent dismemberment means amputation from the wrist or ankle, including loss of use totallyand permanently of such memberment which the medical indication point out that it is unable to use
permanently.
Loss of Sight of eye means complete blindness which is permanently incurable.
The Company shall pay for the item of loss with the greatest amount one item only.

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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
Result 2 : Medical Expenses
If the injury causes the Insured requires the treatment of a legally licensed physician or the employment of alicensed nurse the Company will pay the expenses actually incurred by the Insured within 52 weeks from thedate of accident for medical expense, nursing services, excluding the special nurse fee. But not exceeding theamount that the Company shall be liable as stated in the Schedule, deducted by the deductible to be borne by theinsured as stated in the Schedule (if any).
If the Insured has claimed for any compensation from other Insurance Policy, Programs prepared by government,
the Company will be liable for the remaining amount of the Medical expense that the Insured have not been
reimbursed only.
GENERAL EXCLUSIONSThis insurance does not cover
1. Any Loss or Injury arising from/ or in consequence of the following causes:
A. Actions of the Insured while under the influence of alcohol, addictive drugs, narcotic drugs to theextent of being unable to control one<s mind.
The term /under the influence of alcohol0 in case of having a blood test refers to a blood/alcohol
level of 150 mg percent and over.
B. Suicide or attempt suicide or self-inflicted injury.
C. Parasite infections except pyrogenic inflections, tetanus, or rabies from a wound or cut suffered as aresult of an accident.
D. Medical treatment or surgical treatment except the necessary treatment for the injury which iscovered under this Insurance Policy and occurring within the period of this Insurance Policy.
E. Miscarriage and abortion.
F. Dental care or root canal treatment except the treatment occurring within 7 days from the date ofaccident
G. Replacement of or new sets of dentures ,Crown , Prosthodontics
H. Food poisoning
Remark: The English Language used in this policy in merely a translation of Thai Version Page 7Policy Wording_TG Domestic _060302© AIG. All Rights Reserved.

Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
I. 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 ofan accident.
J. War (whether declared or not) , invasion, act of foreign enemies, civil war, revolution, insurrection,
civil commotion, popular rising against the government, riot and strike.
K. Nuclear weapons, radiation or radio activity from any nuclear fuel or nuclear refuse arising from thecombustion of nuclear fuel and any process of self-sustaining nuclear fission/fusion.
2. Loss or Injury which occurs:
A. . While the Insured is hunting for animals, racing of all kinds of car or boat, horse racing, ski playing
or racing including jet ski , skate racing, boxing, parachute jumping (except for the purpose of lifesaving), boarding or traveling in a hot-air balloon, gliding, bungee jumping, mountain climbing withequipments, or diving with oxygen tank and breathing equipment under water.
B. While the Insured is riding or traveling on a motorcycle.
C. While the Insured is riding or travelling as passenger in any aircraft not operate by commercialairline.
D. While the Insured pilots or works as a crew in any aircraft.
E. While the Insured is taking part in a brawl or taking part in inciting a brawl.
F. While the Insured is committing a felony or while the Insured is being arrested, under arrest or
escaping the arrest.

Extended Clauses
Should any content contained in following insuring agreements or attachments are objected or conflicted
to the contents in insurance Policy, the content in these annexes shall be prevailed.
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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
Other conditions of insurance contract and exclusions therein shall remain in full force and effect.

Extended Clauses
Emergency Medical Evacuation
Definition:
Home country means any country where the Insured is authorized as citizen or the country where ispermanent residence of the Insured.

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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
Coverage:This insurance covers the benefit when the Insured is injured during the trip and it is necessary to evacuate
the Insured by the method suitable to the necessity or advice of Travel Assist or its authorized representative
to provide suitable treatment or for repatriation at the expenses of Travel Assist directly.
The movement method as mentioned herein, Travel Assist or its authorized representative shall decide anddetermine the method and type of movement and destination which may include the transportation cost via
air, sea, land, train or other suitable method and subject to necessary treatment basis.
The coverage specified herein is expense for the service determined and/or prepared by Travel Assist fortransport or treatment, cost of medical equipment as necessary in consequence of evacuation for emergency
treatment of the Insured as specified herein.
Exclusions:This insurance does not cover emergency medical evacuation expenses due to or in consequence of thefollowing causes:1. All expenses related to service which the Insured is not liable to pay nor any expenses already included in
expenses specified in the trip schedules.
2. Expenses related to any service unapproved nor managed by Travel Assist or its authorized representative
unless the Insured or his companion is unable to report Travel Assist and there is reasonable cause ofexcessive expenses uncontrollable during emergency treatment at any place. In this regard, the Companyreserves its right to compensate the amount prepaid by the Insured only the expenses incurred from thoseservices in the same condition as prescribed by Travel Assist at maximum amount not exceeding the sum
insured as specified in the Schedules.
3. Pre-existing conditions
4. AIDS or result of blood test that indicates HIV infection and other disease related to AIDS.
5. Venereal disease or other sexual transmitted diseases.

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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read

TA-Exclusion 1(Attached to Travel Insurance Policy)
Company Name:
Endorsement No.
Insured's Name:
Period of coverage
Premium

Attached to the policy no.
day(s)

Effective Date
Tax

Inception Date

Stampat
Total

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Travel Accident Insurance for Individual or Group of Tourists(Translation)
IMPORTANCE: Please read
It is hereby agreed and noted that under the travel insurance policy which this endorsement attached, loss ordamage, injury, sickness or legal liabilities, arising or deriving from, no matter direct or indirect, the followings
will not be covered;(a)any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or throughAfghanistan, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan or Syria; and(b)any loss, injury, damage, or legal liability suffered or sustained directly or indirectly by an insured
person if that insured person is:(i)a terrorist;(ii) a member of a terrorist organization;(iii) a narcotics trafficker; or(iv) a purveyor of nuclear, chemical or biological weapons.

If the conditions or wording in this Endorsement contradict to the Policy, it is noted to us this Endorsement
instead. All other terms, conditions and exclusions remain unchanged.

Remark: The English Language used in this policy in merely a translation of Thai Version Page 12
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