info.bshlao@bshc.com.vn Hotline: 020 99 456 456 - 020 99 678 678

Health And Personnel Accident

HEALTH AND PERSONNEL ACCIDENT 1. Human Accident Insurance Subjects covered: all Laos citizens from 16 to 65 years old and  foreigners studying and working in Laos (hereinafter referred to as the Insured) under the terms stipulated in this rule; exclude the following subjects: – People with neurological diseases. – People with disability or permanent disability of 50% or more. Coverage: BSH pays for the physical damages of the insured person due to: – A sudden force,unexpected by the Insured,…

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(LA) Travel Insurance

TRAVEL INSURANCE Subjects covered: Insurance for people who go sightseeing, on vacation, swimming, hiking, …. or stay in hotels, motels. Coverage: BSH pays for the risks occurring to the insured: – Death, bodily injury because of an accident. – the accident is understood in this rule is due to a sudden force, beyond the control of the insured, from outside impacting on the body of the insured person and is the sole direct cause of the insured death or…

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(LA) Home Insurance

HOME INSURANCE 1. Fire insurance for the private house Subjects covered: – Participants: the owner, tenant, the person who is assigned to manage, look after and use the house and / or assets in that insured house. – Subjects covered: the house (residence, office, business households) in the territory of Laos and assets in that house. Coverage: BSH provides insurance for your house with the following risks: – Fire – Lightning – Explosions of the boilers for daily activities,…

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(LA) Liability Insurance

LIABILITY INSURANCE 1. Public Liability Insurance Coverage: BSH will indemnify the insured for the damages to property and health occurring  to the 3rd party with the risks: – The unexpected damages for people (injury or morbidity) – The unexpected damages for assets arising from business operations in the insurance period and in the geographic scope specified in the summary of insurance conditions and occurred or caused as described under “Description of risk” in the summary of the insurance conditions;…

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(LA) Technical Insurance

1. Construction / installation Insurance Subjects covered: – The works of construction, installation: housing, working offices, factories, roads, bridges, ports, dams and machinery and equipment; structures, industrial plants,  systems of lines and equipment. – The construction / installation projects Coverage: BSH offers insurance for all risks occurring during the construction and installation of works and projects, excluding: – War, invasion, act of foreign enemy, hostilities (whether declared war or not declare war), civil war, rebellion, revolution, insurrection, mutiny, riot,…

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(LA) Cargo Insurance

1. Insurance transported goods by sea Subjects covered: All kinds of ordinary goods, excluding coal, bulk oil, frozen food, frozen meat internationally transported by sea . Coverage: Under the conditions on insurance of goods transported by sea ICC 1/11982 (Institute Cargo Clauses – the insurance provisions issued by Institute of London Underwriters and widely used in the world), BSH is responsible for insuring for the risks below, unless otherwise excluded. Table comparing the risks insured / uninsured: Risk ICC…

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(LA) Agriculture and Foresty Insurance

INSURANCE FOR RUBBER TREES Coverage: – Lightning and fire but exclude due to war or deliberate acts of human destruction. – Thunderstorms and hurricanes – Flood Losses due to other risks to the above risks are not covered by the insurance and BSH is exempt from liability, Insurance exclusions This insurance does not cover rubber trees which, at the time of the loss, are determined to have been or are in one of the following cases: – Has been…

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ປະກັນໄພ ທຸກຄວາມສ່ຽງ

ປະກັນໄພ ທຸກຄວາມສ່ຽງ ໃຫ້ການຄຸ້ມກັນກັບ ຊັບສິນຂອງວິສາຫະກິດການຜະລິດ, ທຸລະກິດ, ໂຮງແຮມ, ສະຖານທີ່ປະກອບການບໍລິການ ອາຄານ, ເຄື່ອງກົນຈັກ, ອຸປະກອນ, ວັດສະດຸ ແລະ ສິນຄ້າ ວັດຖຸດິບ, ສາງ ສຳນັກງານໃຫຍ່, ຫ້ອງການເຮັດວຽກ ເຮືອນສ່ວນໂຕ ຂອບເຂດ ການປະກັນໄພໃຫ້ກັບທຸກຄວາມສ່ຽງຕໍ່ຊັບສິນທີ່ໄດ້ຮັບການປະກັນ ຂໍ້ຍົກເວັ້ນ ການອອກແບບທີ່ບໍ່ຖືກຕ້ອງ, ມີຂໍ້ບົກຜ່ອງຂອງວັດສະດຸ ຫຼື ຊ່າງຝີມືບໍ່ດີ, ບັນດາຂໍ້ບົກຜ່ອງທີອາດເກີດຂື້ນ, ການເຊື່ອມສະພາບຂອງມູນຄ່າ ຫຼື ເນື່ອງຈາກການປ່ຽນຮູບ, ການເຊາະເຈື່ອນຕາມທຳມະຊາດ. ເກີດການຍຸບລົງ ຫຼື ການແຕກຫັກຂອງອາຄານທີ່ໄດ້ຮັບການປະກັນໄພ. ການຜຸພັງ, ເຂົ້າໝ້ຽງ, ການປ່ຽນແປງຄວາມຊຸ່ມ ຫຼື ຄວາມແຫ້ງຂອງສະພາບອາກາດ, ເຊື້ອລາ, ເນົ່າເປື່ອຍ ເນື່ອງຈາກການສູນເສຍ, ການລະເຫີຍອາຍສູນເສຍການຊົງຕົວ, ມົນລະພິດສານປົ່ນເປື້ອນ, ການປ່ຽນສີ ສະພາບພື້ນຜິວເກີດຄວາມເສຍຫາຍອັນເນື່ອງຈາກຜົນກະທົບຂອງແສງ, ແມງໄມ້, ຮ່ອຍຂີດຂ່ວນ. ການລັກເວັ້ນແຕ່ການລັກນັ້ນໆເກີດຂື້ນໃນອາຄານທີ່ໄດ້ເຮັດປະກັນແລະມີຮ່ອງຮອຍການງັດແງະ,ທຳລາຍ ຫຼື ຫຼົບໜີ. ບັນດາການສໍ້ໂກງ ຫຼື ຄວາມບໍ່ຊື່ສັດ. ການຫາຍໂດຍບໍ່ສາມາດບອກສາເຫດໄດ້ ຫຼື ຂໍ້ບົກຜ່ອງເກີດຂື້ນເວລາກວດກາ, ຂໍ້ບົກຜ່ອງການບັນທຶກຈຳນວນວັດສະດຸເຂົ້າອອກຄັງ ຫຼື ການຂາດແຄນເນື່ອງຈາກຂໍ້ຜິດພາດທາງດ້ານວຽກງານ ແລະ ການເງິນ. ການແຕກຫັກ, ການຍຸບ ຫຼື ເກີດແຮງດັນເກີນຂອງໝໍ້ໄອນ້ຳ, ເຄື່ອງປະຫຍັດຕ່າງໆ, ທໍ່ຕ່າງ, ຫຼອດຕ່າງໆ ຫຼື ເສັ້ນຕ່າງໆ, ການຮົ່ວໄຫຼຂອງຫົວສີດ ຫຼື ການຈອດທີ່ບໍ່ດີຂອງໝໍ້ໄອນ້ຳ. ມີການເປ່ເພທາງດ້ານໄຟຟ້າ ຫຼື ກ່ຽວກັບເຄື່ອງຈັກ ຫຼື ການເຮັດວຽກຜິດປົກກະຕິຂອງເຄື່ອງຈັກ ຫຼື…

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