Juvenile Accident Rider

Highlights

quyền lợi tử vong do tai nạn

Accidental death benefit

quyền lợi thương tật vĩnh viễn do tai nạn

Accidental permanent dismemberment benefit

quyền lợi thương tật khác do tai nạn

Other accidental injury benefit

quyền lợi hỗ trợ nằm viện lên đến 50 ngày

Daily hospital cash

Product Details

Premium Term

Same as policy term

Policy Term

5 - 17 years

Entry Age

30 days - 12 years old
Maximum expired age: 17 years old

TPD Benefit

Accidental permanent dismemberment benefit: 15% to 150% Sum Assured throughout policy term.

Other accidental injury benefit: Up to 210% Sum Assured per policy year.

  • Accidental temporary dismemberments: 5%-10% Sum Assured for each policy year.
  • Accidental burns: 25% -100% Sum Assured for each policy year.
  • Accidental fractures: 10 - 100% Sum Assured for each policy year.

Emergency transportation due to accidents: 1 million VND per accident, maximum 2 million per policy year.

Death Benefit

- Accidental Death: 100% Sum Assured.
- Accidental Death due to Accident at School Outdoor Activities: 200% Sum Assured.
- Accidental Death due to Accident in School Bus: 300% Sum Assured.

Daily compensation (as in-patient)

Daily hospital cash due to severe accidents: 0.2% Sum Assured/day, maximum 1 million VND/day

1. Accidental permanent dismemberments

  • For every accident that caused permanent dismemberments, Prudential shall pay one time in accordance with the percentage of SA respectively as below:
Accidental Permanent DismembermentsBenefit payout

Sight: Permanent and total loss of:

  • Sight in both eyes
  • Sight in one eye

 

150% SA
100% SA

Speech and hearing: Permanent and total loss of:

  • Speech and hearing (both ears)
  • Speech
  • All hearing in both ears
  • All hearing in one ear

 

150% SA
50% SA
75% SA
25% SA

Limbs: Loss of or Permanent and total loss of use of:

  • Two limbs
  • One limb
  • One limb and sight of one eye
  • Two hands or two feet
  • One hand and one foot
  • One hand or one foot

 

150% SA
125% SA
150% SA
150% SA
150% SA
100% SA

Hand: Loss of or Permanent and total loss of use of:

  • All ten fingers
  • Four fingers and thumb of one hand
  • Any four fingers of one hand

 

100% SA
70% SA
60% SA

Foot: Loss of or Permanent and total loss of use of:

  • All the toes of one foot

 

15% SA

Maximum payout of this benefit is 150% SA throughout policy term of this rider. In the event of multiple dismemberments due to a single accident, the maximum benefit payable is the total percentage payout capped at 150% SA.

Other insurance benefits are still payable after the maximum limit of this benefit has been paid.

2. Accidental temporary dismemberments 

  • For every accident that caused temporary dismemberments, Prudential shall pay one time in accordance with the percentage of SA respectively as below:
Accidental Temporary Dismemberments Benefit payout

Thorax

  • Pneumothorax, or Hemothorax due to external trauma

 

10% SA

Abdomen

  • Spleen – ruptured spleen
  • Liver – ruptured liver
  • Stomach & intestines – puncture of stomach or small intestines or large instestines
  • Pancreas – ruptured

 

5% SA
5% SA
10% SA
10% SA

Urinary tract

  • Kidney trauma resulting in one of the following: Ruptured renal cortex, General rupture of kidney, Rupture of renal cortex layers, Broken pyelo-ureteral joint, Traumatic embolism of renal artery
  • Ruptured or broken urethra
  • Ruptured bladder wall
  • Ruptured ureter
  • Trauma to two kidneys from one event (TBC)

 

5% SA


5% SA
5% SA
5% SA
10% SA

  • Maximum payout of this benefit is 10% SA for each policy year of this rider. In the event of multiple dismemberments due to a single accident, the maximum benefit payable is the total percentage payout capped at 10%.
  • Other insurance benefits are still payable after the maximum limit of this benefit has been paid.

3. Accidental burns (3rd degree)

  • For every accident that caused burns, Prudential shall pay one time in accordance with the percentage of SA respectively as below: (1)
3rd degree burnsBenefit payout
At least 9% of total body surface area 25% SA
At least 15% of total body surface area 75% SA
At least 25% of total body surface area 100% SA
  • Maximum payout of this benefit is 100% SA for each policy year of this rider.
  • Other insurance benefits are still payable after the maximum limit of this benefit has been paid.

4. Accidental fractures

  • For every accident that caused fractures, Prudential shall pay one time in accordance with the percentage of SA respectively as below: (1)
FracturesBenefit payout

Hip or Pelvis (excluding thigh or coccyx)

  • Open Fracture of more than one bone
  • Open Fracture of one bone
  • Closed Fracture of more than one bone
  • Closed Fracture one bone

 

100% SA
50% SA
25% SA
15% SA

Thigh or Lower Leg

  • Open Fracture of more than one bone
  • Open Fracture of one bone
  • Closed Fracture of more than one bone
  • Closed Fracture one bone

 

60% SA
45% SA
25% SA
15% SA

Elbows, Arm (including wrist but excluding Colles type fractures)

  • Open Fracture of more than one bone
  • Open Fracture of one bone
  • Closed Fracture of more than one bone
  • Closed Fracture one bone

 

45% SA
35% SA
20% SA
15% SA

Colles type fracture of the lower arm

  • Open Fracture
  • Closed Fracture

 

25% SA
10% SA

Skull

  • Fracture of the skull needing surgical Intervention
  • Fracture of the skull not needing surgical Intervention

 

60% SA
20% SA

Shoulder Blade, Rib(s), Knee cap, Sternum, Hand (excluding fingers and wrist), Foot (excluding toes or heel)

  • Open Fracture
  • Closed Fracture

 

 

30%  SA
15% SA

Spinal Column (Vertebrae but excluding coccyx)

  • All compression fractures
  • Either spinous process or transverse process or pedicle fractures
  • Permanent Spinal Cord damage ((lasting 12 calendar months and beyond hope of improvement when this period expires)

 

40% SA
40% SA
40% SA

Lower Jaw

  • Open Fracture
  • Closed Fracture
 
25% SA
10% SA

Open fracture is a fracture where the broken bone(s) penetrate(s) the skin. Closed fracture is a fracture where the broken bone(s) do(es) not penetrate the skin.

  • Maximum payout of this benefit is 100% SA for each policy year of this rider. In the event of multiple fractures due to a single accident, the maximum benefit payable is total percentage payout capped at 100%.
  • Multiple claims in the same bone are payable but there is a 10-month waiting period.
  • If multiple bone fractures happen to different bones in the same group in one accident, or different bones of one big bone (e.g. leg bones), multiple claims equal to the sum of the insurance benefits shall be payable.
  • Other insurance benefits are still payable after the maximum limit of this benefit has been paid.

5. Daily hospital cash and emergency transportation due to severe accidents

BenefitsDetails
Daily hospital cash due to severe accidents (1)

0.2% SA/day, maximum 1 million VND/day

Emergency transportation due to accidents(2) 1 million VND/accident, maximum 2 times/policy year

(1)Prudential only pays this benefit if LA is required hospitalization by any accident which is specified in sections 1,2,3 and 4 above; and Prudential has accepted to pay. Maximum payout of this benefit is 10 days per each hospitalization, maximum 50 days per policy year and maximum 500 days per policy.

(2)Prudential only pays this benefit if LA is required to stay overnight in an ICU or transferred to another hospital.

6. Death benefit

  • Accidental death: Prudential shall pay up to 300% SA of this rider in case of death of LA is due to accident within 180 days from the date of the accident.
RisksBenefit payout
Accidental Death

100% SA

Accidental Death due to Accident at School Outdoor Activities of Life Assured 200% SA
Accidental Death due to Accident in School Bus of Life Assured 300% SA
  • Non-accidental death: Prudential shall return total paid premium (no interest).
  • All insurance benefits specified in sections 1,2,3 and 4 above, if already paid, shall be deducted from Accidental death benefit if the Life Assured dies due to the same accident within 30 days from the date the Accident occurred.
  • The rider shall terminate once death benefit is paid out.

Note:

All features and insurance benefits presented herein are summarized for reference only. All features and conditions thereof shall be carried out in accordance with the Terms and Conditions as approved by the Ministry of Finance.

Please study the Terms & Conditions carefully to understand the product’s benefits, features and charges.

Next Steps

hotline của Prudential 18001247

Support 24/7

Back to Top