This insurance covers accidents that happen unexpectedly, without intent or foresight, such as:

Household Accidents: For example, dislocating your wrist or ankle while lifting heavy objects, falling while climbing stairs, or slipping and breaking a bone at home.

Traffic Accidents: Occurring during commuting or participating in traffic, including crashes involving personal or public vehicles. These types of accidents are common and can happen to anyone, often with serious consequences including death or high medical costs.

Workplace Accidents: For instance, a factory worker getting their hand caught in machinery, or a construction worker falling from scaffolding or being struck by falling objects. In high-risk jobs like construction, labor accident insurance is legally required in Vietnam.

Animal Bites: Contrary to popular belief, bites from animals like dogs or cats are considered insurable accidents under this policy, as they can cause significant injuries—even death in some reported cases.

Exclusions (Non-Covered Situations):

Accidents occurring during criminal acts or serious violations of traffic laws (e.g., street racing, driving without a valid license, entering restricted roads)

Intentional acts by the insured or their legal heirs to cause accidents

Consequences from consuming alcohol or stimulants beyond legal limits

Participation in aviation activities (except as a passenger), military drills, combat activities

Fights (unless it’s confirmed to be self-defense)

Food or beverage poisoning

Self-medication or treatment without medical supervision

Natural disasters (earthquakes, volcanic eruptions), radioactive contamination, war, civil war, or strikes