SME Package

Insurance packages designed specifically for each type of business include: 

1. HotelCare 
2. F&BCare (Restaurant and catering) 
3. OfficeCare 
4. ShopCare 
5. ClinicCare 

The product has a rich and comprehensive coverage and comes with many preeminent benefits such as: 

1. Support for rent payable or lost due to loss of business location. 
2. Senior management death due to fire or theft (up to 100 million/person, maximum two people) 
3. Expenses for fire fighting 
4. Site cleaning costs 
5. Cost of copying record

SECTION 1. MATERIAL DAMAGE (REQUIRED) 

Loss or damage to the insured property (Building; Property inside; Materials, goods in business; Loss of rent; Current property) due to: 

• On fire 
• Lightning strike 
• Explode 
• Thunderstorms 
• Flood 
• Water leakage from automatic fire extinguishing system 
• Cars or animals collide 
• The plane crashed 
• Strikes, riots, earthquakes 
• Acts of malice, theft 

SECTION 2. MONEY INSURANCE (VOLUNTARY) 

Loss of money in the possession of the Insured or under the liability of the Insured in a sudden, unforeseen way due to a peril not excluded, arising: 

• At the Covered Site during business hours; or in a locked drawer, safe or locked cash room outside of business hours; 
• While being transported by car within the territory of Vietnam 

SECTION 3. PUBLIC LIABILITY INSURANCE and PRODUCT LIABILITY INSURANCE (VOLUNTARY) 

The Insurer shall pay to the Insured or on behalf of the Insured all sums for which the Insured is legally liable in respect of: 

• Personal Injury to third parties 
• Property Damage to third parties 

arising during the Insured Period due to an Incident relating to the Insured's Business. 

SECTION 4. BUSINESS INTERPRETATION INSURANCE (VOLUNTARY) 

• Coverage for loss of revenue (income) and additional operating expenses of the Insured when business is interrupted or affected by the loss or damage covered in Section 1 
• Maximum indemnity period: 6, 9, or 12 months depending on the Insured's choice 
• Annual turnover is the basis for calculating the insurance amount for all maximum indemnity periods under or equal to 12 months 
• Comes with many other additional insurance benefits 

SECTION 5. HUMAN ACCIDENT INSURANCE (VOLUNTARY) 

Compensation for Accidental Injury of the Insured Person occurring within the Geographical Scope and Term of Insurance with the following benefits: 

• Death and permanent disability: 
• In the event of death or Total Permanent Disability (from 81% or more): pay the full amount of the Primary Insurance for each employee 
• In the event of Permanent Partial Injury: Compensation According to the Rate of Compensation 
• Medical expenses due to accident