Product
Personal Insurance
Household Electricity Accident Insurance
Overview
PVI Insurance’s Household Electricity Accident Insurance provides essential protection for you and your family against unexpected accidents related to household electricity usage. With practical coverage benefits, a simplified claims process, and fast settlement, this insurance helps you feel more secure in your daily life.
1.Eligible Insured Persons
- Familymbers listed in the same household registration and having a valid electricity usage contract with the local electricity authority.
- Extended coverage includes:
- Family members (children, parents, grandparents, relatives) who are not in the household book but live with the electricity contract holder.
- Individuals attempting to rescue people or property affected by electricity-related accidents occurring at the registered household me.
2.Uninsurable Conditions
- Members of households using electricity for commercial, production, or electricity service purposes.
- Household members with permanent residence who are mentally ill, mentally impaired, or severely disabled (>81%).
- Renters or lodgers (unless otherwise agreed in writing).
3.Coverage Scope
This insurance covers bodily injury or death caused directly by electric current at the registered household.
Insurance Benefits
- Death due to direct electric current exposure at the registered household: Full sum insured as specified in the policy or certificate of insurance will be paid by PVI Insurance.
- Permanent bodily injury due to insured accidents: Compensation will be made according to the “Disability Compensation Table” issued under Decision No. 05/TC-BH dated January 2, 1993 by the Ministry of Finance.
- Temporary bodily injury due to insured accidents: Actual treatment expenses will be reimbursed, up to the limits defined in the same Disability Compensation Table.
4.Optional Extensions
Available to customers who are fully insured under this policy and meet all terms and conditions:
- Extension 01: Expands coverage to include accidents caused by electric current occurring outside the registered household (within Vietnam).
- Extension 02: Covers injury or death not caused directly by electricity, including:
- Justified self-defense
- Acts of rescue
- Protection of public or personal property
- Participation in preventing criminal activity
- Court-declared disappearance due to accident within the policy term
- All risks mentioned above must occur within Vietnam and during the policy period stated in the Certificate of Insurance.