Lao citizens and foreigners working or studying in Laos aged as follows:
+ Group policy: from 16 to 65 years old.
+ Individual policy: from 1 year old to 65 years old.
Accident occurred on the territory of Laos in 24/24.
+ Death, total and permanent disability due to accident
+ Permanent Partial Disablement due to accident
+ Daily allowance during hospitalization due to accident
+ Medical expenses due to accident.
Insured Person can choose the Sum Insured from 10 millions to 50 millions, LAP can expand the Sum Insured up to 75 millions in special cases.