THANACHART ONGUARD CARD POLICY

Key Definitions

1. Company Refers to Thanachart Insurance Public Company Limited
2. Financial Card Refers to ATM, credit, debit or cash cards issued by financial institutions.
3. Theft Refers to illegal possession of property belonging to or owned by other persons.
4. Robbery Refers to theft through use of physical force or the immediate threat thereof in order to:
   1. Facilitate theft or the act of removing property, or
   2. Order that property be surrendered, or
   3. Seize property, or
   4. Conceal the offence, or
   5. Evade arrest
5. Gang Robbery Refers to robbery with three or more persons involved in the offence
6. Automated Teller Machine (ATM) Refers to an electronic machine providing financial services through the use of financial cards in combination with Personal Identification Number (PIN) to perform transactions, e.g. cash withdrawal, transfer, balance check, utility payments, etc.
7. Cash Dispensing Machine Refers to an electronic machine or device serving the role of issuing cash, designed to allow the Insured the ability to contact the bank of the Insured so that cash can be automatically withdrawn by use of a financial card.
8. Insured Location Refers to the location where the Automated Teller Machine, Cash Dispensing Machine or similar financial machines have been installed.

General Terms and Conditions

Payment of Premiums
The Company has made agreement with the Insured that immediate payment of the premium is required of the Insured, and coverage shall commence on the day that the insurance policy takes effect as specified in the insurance policy. The premium for this insurance policy can be paid on a monthly basis, whereby the payment shall fall due on the same date of each month.

Compensation
The Company shall pay compensation within 15 days from the day that the Company has received valid and complete evidence showing loss or damages. In cases of death, the Company shall pay the compensation to the beneficiary while compensation for other cases shall be paid to the Insured.

In cases of reasonable doubt where the request for the Company to pay the compensation under the aforementioned insurance policy fails to comply with the coverage provisions in the insurance policy, the defined period of time shall be extended as necessary. However, it shall not exceed 90 days from the date that the Company has received the documentation in full.

Should the Company fail to pay the compensation in full within the period of time as set forth above, the Company shall be liable for interest at the rate of 15% per annum of the amount due, calculated from the due date.

Cancellation of Insurance Policy

1. The Company shall cancel this insurance policy by submitting notice at least 15 days in advance by registered mail to the Insured at the address recently notified to the Company. However, the insurance policy shall automatically expire on the last day covered by the premium already paid. The Company shall not be required to return the premium to the Insured.
2. The Insured shall cancel this insurance policy by submitting written notice to the Company. However, the insurance policy shall automatically expire on the last day covered by the premium already paid. The Company shall not be required to return the premium to the Insured.

The cancellation of the insurance policy under this condition, regardless of the party cancelling the policy, must be the cancellation of the entire policy. Selecting any particular clause of the agreement for cancellation is not permissible.

Right to Cancel Insurance Policy (Free Look) (only for telesales)
Should the Insured have the intention to cancel this insurance policy for any reason, the Insured shall return the insurance policy to the Company within 30 days from the date that the insurance policy was received from the Company. In this case, this insurance policy shall be deemed not to have taken effect from the onset of the insurance period as specified in the insurance policy, whereby the Company shall bear no liability for any losses or damages incurred under this insurance policy, and the Company shall return the premium in full to the Insured according to the method agreed to by the Insured and the Company.

In cases where the Insured has already exercised the right to make a compensation claim, the Insured shall not be entitled to cancel this insurance policy.

Coverage Agreements

1. Agreement Covering Financial Damages Incurred by Financial Card Use Due to Fraudulent Transactions, Lost or Stolen Cards

Protection shall cover financial damages caused by fraudulent transactions due to lost or stolen financial cards, robbery and gang robbery, including the theft of card data and card counterfeiting. The Company shall pay compensation for the part outside the liability of the card-issuing financial institution according to damages actually incurred. However, this shall not exceed 15,000 baht per time and not exceed 30,000 baht in total per insurance policy year.

Regardless, the Insured is required to inform the card-issuing financial institution immediately in order to cancel the card as soon as the Insured is aware of the card loss, fraudulent transactions, theft of card data or card counterfeiting.

Exceptions

1. Any losses or damages occurring as a result of or due to the following reasons:
   
   1. Fraud or embezzlement, offenses against property according to the Criminal Code committed by the Insured, whether committed alone or by conspiring with other persons.
   2. Wars, invasions, malicious actions committed by foreign enemies or war-like actions committed with mal-intent, whether or not war has been declared, or a civil war has been declared, which means a war between factions of residents of the same country, mutiny, treason, insurrection, strikes or walk-outs, staging an uprising, revolutions, coups d'etat, declarations of martial law or any events that are the cause of or continuance of martial law.
   3. Acts of terrorism.
2. Any expenses or losses incurred from the following circumstances:
   
   1. Loss of original documents, account books or numerical reports.
   2. Falsification of documents, errors or negligence in performing accounting or calculations.
   3. Expenses incurred as a result of programming errors, hacking, unintentional destruction or deletion of data, ongoing damages of every kind resulting from the damage or loss of automated teller machines or cash dispensing machines and data.
   4. Losses occurring as a result of theft of financial card data of the covered person, except for losses occurring as a result of theft, robbery or gang robbery covered under this insurance policy.

Documents Used in Compensation Claims for Financial Damages Incurred by Financial Card Use Due to Fraudulent Transactions, Lost or Stolen Cards

1. Compensation claim forms designated by the Company
2. Copies of Police Daily Report certified by the inspector.
3. Detailed, written descriptions of losses sent to the Company.
4. Documented evidence of lost or counterfeited card reports that the Insured has made to the card-issuing financial institution (if any).
5. Copies of receipts and/or bills stating a description and monetary amounts involved in the aforementioned fraudulent transactions (if any).
6. Letters affirming the issuance of the card by the card-issuing financial institution in order to verify cancellation of the card (if any).
7. Documented evidence issued by the card-issuing financial institution and showing a refusal to accept liability for the losses incurred as a result of the aforementioned fraudulent transactions.
8. Any other documents required by the Company in claiming compensation (if any).

Agreement Covering Loss of Monetary Gains and Expenses Incurred in Financial Card Use Due to Theft

Coverage of the Insured’s financial losses from automated teller machines or cash payment machines, including expenses incurred in the issuance of replacement cards for lost cards and expenses incurred in the arrangement of documents issued by the government sector, i.e. national identification cards, driver’s licenses and passports, resulting from theft, robbery or gang robbery during or after the Insured used the financial card at the site of an automated teller machine or cash payment machine within 15 minutes from the time that the Insured used the services of the automatic teller machine or cash dispensing machine, whereby the Company will pay compensation as follows:

1. For monetary losses incurred from automated teller machines or cash dispensing machines, no more than 15,000 baht per time and a total not to exceed 30,000 baht per insurance policy year.
2. For expenses incurred in the issuance of replacement cards for lost cards and expenses incurred in the preparation of documents issued by the government sector, the Company will pay compensation at actual cost not to exceed 7,500 baht per insurance policy year.

Exceptions

1. Any losses or damages occurring as a result of or due to the following reasons:
   
   1. Fraud or embezzlement, offences against property according to Criminal Code committed by the Insured, whether committed alone or by conspiring with other persons.
   2. Wars, invasions, malicious actions committed by foreign enemies or war-like actions committed with mal-intent, whether or not war has been declared, or a civil war has been declared, which means a war between factions of residents of the same country, mutiny, treason, insurrection, strikes or walk-outs, staging an uprising, revolutions, coups d'etat, declarations of martial law or any events that are the cause of or continuance of martial law.
   3. Acts of terrorism.
2. Any expenses or losses occurring from the following circumstances:
   
   1. Losses of original documents, account books or numerical reports.
   2. Falsification of documents, errors or negligence in performing accounting or calculations.
   3. Expenses incurred as a result of programming errors, hacking, unintentional destruction or deletion of data, ongoing damages of every kind resulting from the damage or loss of automated teller machines or cash dispensing machines and data.
   4. Losses incurred as a result of theft of financial card data of the covered person, except for losses occurring as a result of theft, robbery or gang robbery covered under this insurance policy.

Documents Used in Compensation Claims for Monetary Losses Incurred by Financial Card Use Due to Theft

1. Compensation claim forms as designated by the Company.
2. Copies of daily police logs certified by the duty officer overseeing the case.
3. Detailed, written descriptions of losses sent to the Company.
4. Documented evidence of reporting lost or counterfeit cards the Insured reports to the card-issuing financial institution (if any).
5. Copies of receipts and/or bills specifying the description and monetary amount involving in the aforementioned fraudulent transaction (if any).
6. Letters affirming the issuance of the card by the card-issuing financial institution in order to verify the cancellation of the card (if any).
7. Documented evidence issued by the card-issuing financial institution and showing a refusal to accept liability for the losses incurred as a result of the aforementioned fraudulent transaction.
8. Any other documents required by the Company in claiming compensation (if any).

Personal Accident Insurance Coverage Agreement

• Section on Coverage Benefits in Cases Involving Death, Loss of Organs, Eyesight or Permanent Disability (Or. Bor. 1).

Exceptions

1. Any losses or damages occurring as a result of or due to the following reasons:
   
   1. Actions of the Insured while under the influence of alcohol or narcotic substances preventing the Insured maintaining presence of mind; in cases involving blood tests, “under the influence of alcohol” means meeting the criteria for a blood-alcohol level of 150-milligram percent and up.
   2. Suicide and suicide attempts or self-inflicted harm.
   3. Contraction of diseases or parasites, except for infections, tetanus or rabies caused by accidental wounds.
   4. Medical or surgical treatments, except for necessary cases due to injuries covered under this insurance policy and carried out within the period of time set forth in the insurance policy.
   5. Miscarriages.
   6. Dental treatments or root canal treatments, unless the treatments occur within seven days of the accident.
   7. Changing or setting of dentures, crowns or dental devices.
   8. Food poisoning.
   9. Back pain caused by disc herniation, spondylolisthesis, degenerative disc disease, spondylosis and defects or pathology of pars interarticularis (spondylolysis), except for fractures or dislocations of the spine by accidents.
   10. Wars, invasions, malicious actions committed by foreign enemies or war-like actions committed with mal-intent, whether or not war has been declared, or a civil war has been declared, which means a war between factions of residents of the same country, mutiny, treason, insurrection, strikes or walk-outs, staging an uprising, revolutions, coups d'etat, declarations of martial law or any events that are the cause of or continuance of martial law.
   11. Acts of terrorism.
   12. Radiation from nuclear fuel or any nuclear waste caused by nuclear fuel combustion or any method of continuous self-sustaining nuclear fission.
   13. Radioactive explosions or explosions of nuclear components or other hazardous materials potentially exploding during the nuclear process.
2. Any losses or damages occurring in the following time (unless protection was extended and appended documents were issued to extend the aforementioned protection):
   
   1. When the Insured is involved in any kind of automobile racing, boat racing, horseracing, ski-racing of every kind, including jet skis, skateboarding contests, boxing, parachute jumping (except parachute jumps for survival), moving up or down or using balloons or gliders as a passenger, bungee jumping or scuba diving requiring oxygen tanks and underwater breathing devices.
   2. When the Insured drives or sits on a motorcycle as a passenger.
   3. When the Insured is boarding, disembarking from aircrafts or using aircrafts not registered to carry passengers and not operated by commercial airlines as passengers.
   4. When the Insured drives or performs duties as any air crew member.
   5. When the Insured participates in fights or provoked fights.
   6. When the Insured commits severe crimes, is arrested or evades arrest.
   7. When the Insured performs duties as soldiers, police officers or volunteers and operates in wars or suppressions. However, after performing said duties for more than thirty days, the Company will return insurance premiums from the time of the operations in the war or suppression until the end date of that operation. Insurance policies will continue to be enforced afterward until the expiration of the insurance period set forth in insurance policy tables.

Documents Used in Compensation Claims for Cases Involving Accidental Death (Or. Bor. 1)

1. Compensation claim forms designated by the Company.
2. Death certificates.
3. Copies of autopsy reports certified by the duty officer overseeing the case.
4. Copies of daily police logs certified by the duty officer overseeing the case.
5. Copies of national identification cards and house registration of the Insured affixed with “Deceased”.
6. Copies of national identification cards and house registration of beneficiaries.

Documents Used in Compensation Claims in Cases Involving Permanent Disability, Loss of Organs or Eyesight

1. Compensation claim forms designated by the Company.
2. Doctors’ reports confirming permanent disability, loss of organs or eyesight.

• Section on Treatment Benefit Protection

The Company will compensate for expenses deemed necessary and fitting incurred by necessary medical treatment in real costs paid without exceeding the insurance claims set forth in the insurance policy table. If the injuries incurred by the Insured require treatment by doctors or care by nurses within 52 weeks from the date of the accident, but the Insured receives compensation from government benefits, other benefits or other insurance policies, the Company will be responsible only for the remaining treatment and care costs not otherwise covered.

Treatments outside Thailand?

 

The Company will pay compensation by using foreign currency exchange rates according to the dates specified on the medical treatment fee receipts.

Documents Used in Treatment Compensation Claims

1. Compensation claim forms designated by the Company.
2. Doctors’ reports containing specifications of significant symptoms, diagnosis and treatment.
3. Copies of the original receipts showing expenses or the cover sheet summaries of financial statements with receipts.

• Section on Income Compensation Coverage During Hospitalisation from Injuries Caused by Accidents

The Company will pay income compensation during hospitalisation in the claim amount per day for the number of days for which hospitals or medical facilities charged room fees at a maximum total of no more than 365 days per injury if the injuries sustained resulted in the Insured requiring in-patient treatment at hospitals or medical facilities meeting standard medical criteria.

In cases involving income compensation during hospital treatment overseas, the Company will pay income compensation during overseas hospitalisation by using foreign currency exchange rates according to the dates specified on the medical treatment fee receipts.

Exceptions

1. Treatment as in-patients at hospitals or medical facilities caused by corrupt actions, actions with fraudulent intent or conspiracy between the Insured, representatives or any persons acting on behalf of the Insured for corrupt benefits of this insurance.
2. Requests for treatment in hospitals or medical facilities, requests for surgery, recovery, recuperation or rehabilitation or repose, analysis to determine any causes not directly related to treatment in hospital or medical facilities, diagnoses of injuries and treatments or analysis to determine causes that are not medical necessities or in accordance with standard medical criteria.
3. Treatments not involving modern medicine, including doctors of alternative medicine.

 

Documents Used in Income Compensation Claims While Hospitalised

1. Compensation claim forms designated by the Company.
2. Doctors’ reports containing specifications of significant symptoms, diagnosis and treatment.
3. Copies of the original receipt showing expenses or the cover sheet summaries of financial statements with receipts.

 

Documents Appended to Extend Protection for Personal Accident Protection Insurance Agreements

1. Extension of Protection for Benefits from Death, Loss of Organs, Eyesight or Permanent Disability from Financial Card Use

Protection for benefits from death, loss of organs, eyesight or permanent disability caused by use of financial cards may be extended by the Company by paying additional benefits at double the claim amount set forth in the insurance policy tables if the aforementioned losses or damages occur as a result of theft, robbery or gang robbery while the Insured was using financial cards at automated teller machine or cash dispensing machine installation sites or 15 minutes after the Insured began using automated teller machine or cash dispensing machine services.

Documents Used in Compensation Claims in Cases Involving Death, Loss of Organs, Eyesight or Permanent Disability Caused by Financial Card Use

1. Forms and evidence for claiming compensation for death, loss of organs, eyesight or permanent disability (depending on the case).
2. Copies of financial transaction slips issued by automated teller machines or cash payment machines (if any).
3. Copies of documents and evidence or certificates issued by the card-issuing financial institution in order to confirm financial transactions made by the Insured by using automated teller machines or cash dispensing machines at the place of where the insurance claim is filed (if any).
4. Any other documents required by the Company in claiming compensation (if any).

Extension of Protection for Treatment Benefits Incurred by Accidents in Financial Card Use

Protection for treatment benefits incurred by accidents incurred in the use of financial cards may be extended by the Company by paying additional benefits at double the claim amount set forth in the insurance policy tables if the aforementioned losses or damages occur as a result of theft, robbery or gang robbery while the Insured was using the financial cards at automated teller machine or cash dispensing machine installation sites, or 15 minutes after the Insured began using automated teller machine or cash dispensing machine services.

Documents Used in Compensation Claims for Treatment Benefits from Accidents Caused by Financial Card Use

1. Forms and evidence for compensation claims according to protection benefits contained in the section for treatment benefits.
2. Copies of financial transaction slips issued by automated teller machines or cash payment machines (if any).
3. Copies of documents and evidence or certificates issued by the financial institution issuing cards in order to confirm the financial transactions made by the Insured by using automated teller machines or cash dispensing machines at the place of where the insurance claim is filed (if any).
4. Any other documents required by the Company in claiming compensation (if any).

Extension of Benefit Protection in Income Compensation During Hospitalisation Resulting from Financial Card Use

Benefit protection in compensating for income during hospitalisation from using financial cards may be extended by the Company by paying additional benefits at double the claim amount set forth in the insurance policy tables if the aforementioned losses or damages occur as a result of theft, robbery or gang robbery while the Insured was using financial cards at automated teller machine or cash dispensing machine installation sites, or 15 minutes after the Insured began using automated teller machine or cash dispensing machine services.

Documents Used in Income Compensation Claims During Hospitalisation Caused by Accidents from Financial Card Use

1. Forms and evidence for claiming compensation in line with the protection benefits in the section for benefits covering the compensation of income during hospitalisation due to injuries caused by accidents.
2. Copies of financial transaction slips issued by automated teller machines or cash dispensing machines (if any).
3. Copies of documents and evidence or certificates issued by the card-issuing financial institution in order to confirm financial transactions made by the Insured by using automated teller machines or cash dispensing machines at the place of where the insurance claim is filed (if any).
4. Any other documents required by the Company in claiming compensation (if any).

*** Other coverage and conditions that have been completely detailed must comply with the Thanachart OnGuard Card Policy approved by the Office of the Insurance Commission (OIC)***

Remarks:

1. This document only summarises the general conditions, coverage agreements and exceptions. Therefore, the Insured should thoroughly study insurance policy details and plans.
2. The Company can select protection agreements/appended documents to prepare insurance plans.

TERMS OF REBOUND MOBILE SECURITY VAULT USE

This page (together with the documents referred to on it) tells you the terms of use on which you may make use of this website (the "Website"), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the Website. By using the Website, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using the Website.

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Last updated on: 24 May 2012