Travel Insurance

• In the event that the Insured dies due to an accident covered by the insurance liability, BSH will pay the full sum insured specified on the insurance policy or insurance certificate.
• In the event that the Insured suffers an injury due to an accident covered by the insurance liability, BSH will pay the sum insured as specified in the "BSH’s Morbidity table".
• In the event that the Insured dies due to illness or disease covered by the insurance, BSH will pay 50% of the sum insured stated in the insurance policy or insurance certificate.

BSH indemnifies the Insured when encountering risks causing illness; bodily injury; death; baggage loss, or damage,...:

1. In case the Insured Person dies or is totally permanently disabled caused by an accident covered by the insurance, BSH will pay the full sum insured specified on the Certificate of Insurance;
2. Essential and reasonable medical expenses as a result of accident or illness, which are covered by insurance liability but do not exceed the sum insured specified on the Certificate of Insurance, including:
   • Emergency and medical expenses during treatment period in Vietnam;
   • Room and meals expenses at the hospital during treatment period in Vietnam, each day equal to 0.2% of the sum insured.
   • Covered indemnification expenses in case of not continuing treatment in Vietnam:
     • Expenses for ambulance transfer to Airport returning home;
     • Expenses for extra seat, medical equipment and medicine;
     • Expenses for meals, accommodation, and travel for a person who needs to be accompanied to take care of the Insured upon repatriation.
3. In the event that the Insured dies due to an accident, BSH will pay the expenses of burial or cremation in Vietnam and the expenses of transporting the Insured's body and luggage back home.
   • In the event that within 180 days from the date of the accident covered by insurance liability, the Insured dies or is permanently disabled directly caused by an accident, BSH will pay the balance between the sum insured specified on the Insurance certificate and the amount paid in advance.
4. BSH indemnifies the Insured for the loss or damage of baggage and personal items covered by the insurance in accordance with the provisions below but not exceeding the sum insured for the baggage specified on the Certificate of Insurance:
   • Loss or damage of items according to the Insured's testimony will be considered and settled by BSH according to its real value at the time of loss, damage on the basis of the value of similar new items in the country of sale at the time of indemnifying.
   • In case the object is slightly damaged, if the spare part is replaceable or the repairable, BSH will pay the expenses of repair and replacement of spare parts in Vietnam. In case there is no condition to repair or replace in Vietnam, BSH will indemnify according to the loss ratio.
   • The limit of Indemnities for any objects in the list of baggage and personal items is 20% of the sum insured on baggage specified on the Certificate of Insurance. A pair or set of commodities is considered an object.
   • In case the loss of baggage or personal items have been indemnified, but after that being found, the Insured has the right to take back the found baggage and refund the sum insured paid by BSH. If the Insured does not take back these baggage or personal items within 30 days from the date of receipt of BSH's notice, BSH has the right to handle the above assets to offset the amount of indemnity.