> DEMONSTRATION ONLY. This site shows what technology can do. The data here is NOT current. It may be wrong or out of date. TCGI does not promise it is accurate. Do not use it to buy, claim or decide anything. For current product information, contact TCGI. Products shown are fictional.

> expires_at: 2026-11-13T02:07:00+07:00

## Personal Accident Cover (Demo)

Death and disability from an accident, with optional daily allowance and medical costs.

URL: https://sandbox.itgives.link/en/products/accident

### Summary

- Pays if an accident causes death or permanent disability. You can add a daily allowance while in hospital and accident medical costs. The price adds up one amount per benefit you pick: a rate times the amount that benefit is charged on.

### Not for you if

- Not for you if you are older than 65. (demo-accident.age_entry)
- Not for you if you are younger than 15 days. (demo-accident.age_entry)
- Not for you if you need cover for serious illness, dental or maternity. (demo-accident.overview)
- Not for you if you have a permanent disability of 50% or more or you are under treatment for an illness or injury when you apply. (demo-accident.not_accepted)

### Covers this if you need

- Covers accident. No waiting period. Accidental death pays 100% of the sum insured. Permanent disability pays a percentage of the sum insured from an injury table. (demo-accident.benefit_death_disability, demo-accident.wait_accident)
- Pays for part of hospital stay. Paid: a hospital stay after an accident (as an option you add). Not paid: a hospital stay for an illness. Optional daily allowance while in hospital after an accident, at VND 100,000, 150,000 or 200,000 a day, up to 60 days. (demo-accident.benefit_allowance)
- Pays for part of outpatient. Paid: outpatient treatment after an accident (as an option you add). Not paid: outpatient visits for an illness. Optional accident medical costs, inpatient and outpatient, up to VND 80 million. (demo-accident.benefit_medical)

### Who can join

- Entry from 15 days old up to age 65.
- No state health insurance card is needed.
- A child can be insured on their own. No parent has to join.
- Not accepted: people with a permanent disability of 50% or more, or who are under treatment for an illness or injury when they apply.
- Sold through demo agents (fictional).

### Benefits

- Accidental death pays 100% of the sum insured. Permanent disability pays a percentage of the sum insured from an injury table.
- Optional daily allowance while in hospital after an accident, at VND 100,000, 150,000 or 200,000 a day, up to 60 days.
- Optional accident medical costs, inpatient and outpatient, up to VND 80 million.

### Waiting periods

- No waiting period. Cover starts once the premium is paid in full.

### Exclusions

- Only an injury that is the first result of the accident counts. An earlier injury or illness does not.
- Not covered: fighting, unless only in self-defence.
- Not covered: professional sport and any racing.
- Not covered: accidents caused by alcohol or drugs, including driving over the legal alcohol limit.
- Not covered: war, terrorism and riots.

### After you choose

- One policy covers up to 12 months. The rules say nothing about renewal. (Gap: not in the demo data)
- How to buy: not published in this demo. (Gap: not in the demo data)
- How to claim: not published in this demo. (Gap: not in the demo data)
- Renewal: not published in this demo. (Gap: not in the demo data)
- Cancellation: not published in this demo. (Gap: not in the demo data)
- Payment options: not published in this demo. (Gap: not in the demo data)
- Contact details: not published in this demo. (Gap: not in the demo data)

The same topics for every product, side by side: https://sandbox.itgives.link/en/guides/after-you-choose

### Price rule

- Premium per person per year is the total of one amount per benefit chosen: the rate times the amount that benefit is charged on. Death and disability is charged on the sum insured. Daily allowance is charged on the daily amount x 60 days. Medical cost is charged on the medical limit you pick. Each amount is rounded to the nearest VND 1,000. Age does not change the price. Death and disability is always included.

### Price

Sum insured from VND 20,000,000 to VND 1,000,000,000. Each benefit is rounded to the nearest VND 1,000.

The premium is the sum of one line per benefit chosen: the rate times what the benefit is charged on.

| Benefit | Charged on | Rate |
|---|---|---|
| Death and disability | The sum insured | 0.11% |
| Daily allowance of VND 100,000, up to 60 days | VND 100,000 x 60 days = VND 6,000,000 | 0.65% |
| Daily allowance of VND 150,000, up to 60 days | VND 150,000 x 60 days = VND 9,000,000 | 0.52% |
| Daily allowance of VND 200,000, up to 60 days | VND 200,000 x 60 days = VND 12,000,000 | 0.46% |
| Medical limit from VND 0 to under VND 30,000,000 | The medical limit you pick | 0.8% |
| Medical limit from VND 30,000,000 to under VND 50,000,000 | The medical limit you pick | 0.66% |
| Medical limit from VND 50,000,000 to VND 80,000,000 | The medical limit you pick | 0.58% |

Price by choice. The premium is the death and disability line for the sum insured you pick, plus one line for each option you add. Each line is already rounded. The daily allowance line is the same for every sum insured. For another medical limit, take the rate of its band in the rate table and charge it on the limit.

| Benefit | Your choice | Charged on (VND) | Rate | Price (VND) |
|---|---|---|---|---|
| Death and disability | Sum insured VND 20,000,000 | 20,000,000 | 0.11% | 22,000 |
| Death and disability | Sum insured VND 50,000,000 | 50,000,000 | 0.11% | 55,000 |
| Death and disability | Sum insured VND 100,000,000 | 100,000,000 | 0.11% | 110,000 |
| Death and disability | Sum insured VND 200,000,000 | 200,000,000 | 0.11% | 220,000 |
| Death and disability | Sum insured VND 500,000,000 | 500,000,000 | 0.11% | 550,000 |
| Death and disability | Sum insured VND 1,000,000,000 | 1,000,000,000 | 0.11% | 1,100,000 |
| Daily allowance | VND 100,000 a day | 6,000,000 | 0.65% | 39,000 |
| Daily allowance | VND 150,000 a day | 9,000,000 | 0.52% | 47,000 |
| Daily allowance | VND 200,000 a day | 12,000,000 | 0.46% | 55,000 |
| Medical costs | Medical limit VND 15,000,000 | 15,000,000 | 0.8% | 120,000 |
| Medical costs | Medical limit VND 40,000,000 | 40,000,000 | 0.66% | 264,000 |
| Medical costs | Medical limit VND 65,000,000 | 65,000,000 | 0.58% | 377,000 |

Every combination of these amounts is worked out in https://sandbox.itgives.link/llms-prices.txt.

### FAQ

**Who can buy this?**

Entry from 15 days old up to age 65.

**What does it cover?**

Accidental death pays 100% of the sum insured. Permanent disability pays a percentage of the sum insured from an injury table. Optional daily allowance while in hospital after an accident, at VND 100,000, 150,000 or 200,000 a day, up to 60 days. Optional accident medical costs, inpatient and outpatient, up to VND 80 million.

**What is not covered?**

Only an injury that is the first result of the accident counts. An earlier injury or illness does not. Not covered: fighting, unless only in self-defence. Not covered: professional sport and any racing. Not covered: accidents caused by alcohol or drugs, including driving over the legal alcohol limit. Not covered: war, terrorism and riots.

**How long before I am covered?**

No waiting period. Cover starts once the premium is paid in full.

**How much does it cost?**

Premium per person per year is the total of one amount per benefit chosen: the rate times the amount that benefit is charged on. Death and disability is charged on the sum insured. Daily allowance is charged on the daily amount x 60 days. Medical cost is charged on the medical limit you pick. Each amount is rounded to the nearest VND 1,000. Age does not change the price. Death and disability is always included.

**Do I need anything before I join?**

No state health insurance card is needed. A child can be insured on their own. No parent has to join. Not accepted: people with a permanent disability of 50% or more, or who are under treatment for an illness or injury when they apply.

### Sources

- Demo rules

as_of: 2026-11-04