uab TKKW Telco Care Life Insurance

ATOM commercial prepaid customers who purchase the uab Thaw Ka Kinn Way Telco Care policy during the official campaign period will be eligible to participate in the Lucky Draw program. 
Campaign Period
The campaign is valid from 10th  March 2026 to 20th  April 2026.
Prizes
The Lucky Draw prizes are as follows:
•    50,000 MMK ATOM Phone Bill – 100 winners
•    500,000 MMK Cash Reward – 5 winners
•    3rd Prize: Microwave Oven – 1 winner
•    2nd Grand Prize: Samsung Galaxy Watch 5 (40mm) – 1 winner
•    Grand Prize: AirPods Pro (2nd Generation) – 1 winner
Campaign Terms & Conditions
1.    The eligible campaign period is from 10th March 2026 to 20th April 2026, ending at 11:59 PM on 20th April 2026.
2.    All Eligible Customers who purchase the uab Thaw Ka Kinn Way Policy within the official campaign period are eligible to participate in the Lucky Draw. (“Eligible Customers”)
3.    In this Campaign, employees of ATOM Myanmar Limited (“ATOM Myanmar”), uab and Manulife Myanmar are not eligible to participate in the lucky draw for a chance to win a Prize. ATOM Myanmar and uab shall have the sole discretionary power to determine the eligibility of any participants in this Campaign, during any stage of the Campaign. 
4.    Each policy owner is entitled to one (1) Lucky Draw entry only, regardless of the number of policies purchased during the campaign period.
5.    Lucky Draw winners will be announced in the first week of May 2026.
6.    All prizes will be delivered within May 2026.
7.    ATOM Myanmar and uab will randomly select the winner at the end of the campaign. uab call center will contact the selected winners after the campaign period. Winners must agree to provide their NRIC number, name and address to deliver the prize (“Winner”). In case of any matter such as loss, damage the prize, ATOM Myanmar shall not have any liability for such loss or damage, while delivery process. 
8.    ATOM and uab shall not offer or exchange of any properties/ any cash alternative, including pecuniary, instead of the Prize.
9.    The Winners from the initial draw will not be eligible for participation in subsequent draws.
10.    ATOM Myanmar and uab reserve the right to amend or terminate the reward terms and conditions without prior notice.
11.    Winners, who are not able to attend personally to obtain the prize at the respective uab Office and he/ she can delegate a representative by providing their valid NRIC and name to the uab Call Center before the reward is delivered. The winner is required to notify uab in advance with a representative appointment letter. ATOM Myanmar and uab will not be responsible for any issues between the winner and the appointed representative. Such appointed or authorized representatives must provide their original NRIC and the facts contained in NRIC shall be in line with the facts contained in authorization letter when they are receiving the respective prizes on behalf of the winners.  ATOM Myanmar and uab have the right to deny any winners for offer of prize, who are not provide the sufficient information and documents to uab.
12.    The winners who are under (18 - eighteen years old), the winning prize shall be collected with their parents or guardians in the census or household registration list.
13.    By participating in this campaign, the Winner or its appointed representatives shall allow and grant ATOM Myanmar and uab the right to upload and broadcast any part or whole of the Winner or its appointed representative’s voice, video recording, photo, and the last three digits of the winner’s mobile number on social media and/or any other media platforms.
14.    In the event of inconsistencies or discrepancy between the English and Myanmar version of these Terms and Conditions, the English version shall prevail.
15.    The Winner or its appointed representatives will be received the prize within (30) days, after the confirmation date of prize, from the uab call center. In case of the exceed of time limitation, ATOM Myanmar and uab have no liability to award the prize.
16.    ATOM Myanmar and uab also assume no responsibility for any loss or damage or expenses arising in connection with this Promotion, howsoever arising, including without limitation, from any late or non-notification, any error in computing, technical hardware or software breakdown, malfunctions or defects, failed, delayed or incorrect transactions, or lost or unavailable network connections, or any notice that is lost or misdirected and any situation which is beyond the control of ATOM Myanmar and uab, which may affect any Winner’s eligibility for the Promotion. 
17.    The winners are not allowed any statement or writing that may damage the brand, trademark and reputation of ATOM Myanmar and uab.
18.    In the event of any dispute regarding this promotion, the decision of ATOM Myanmar and uab will be final and conclusive. ATOM Myanmar and uab reserves the right to deny or suspend the prize at its full discretion if deemed necessary.

• This Insurance can be browsed on ATOM Store App and ATOM website by all ATOM users.
• Data usage fees for browsing the program by using internet will be charged from the data package bought by user or will be deducted from the primary remaining balance with PAY-AS-YOU-GO-RATE.
• ATOM Myanmar reserves the right to withdraw or change this offer at any time. Customers are required to comply with the rules established by insurance companies regarding the product purchase.
• ATOM Myanmar shall not have an access right to your personal information, documentation, claim procedures for insurance application process. Only insurance companies are the sole entity that collect and know your personal information for the application process.
• ATOM shall not be responsible for any personal information provided by the own consent of the applicant to insurance companies for purchasing insurance.
• ATOM shall have no liability for the misuse of the insurance service by the user customers or partner.
• Any dispute relating to the purchasing of insurance shall be settled between the insurance companies and customers.
• During the validity period of TKKW policy, the following benefits shall be provided subject to the terms and conditions herein:
  • A compensation amount shall be payable upon the death of the insured person during the coverage period.
  • A compensation amount shall be payable if the insured person becomes totally and permanently disabled during the coverage period.
  • In the event of accidental death, total and permanent disability, or bodily injury sustained by the insured person due to an unforeseen incident, compensation shall be provided in accordance with the policy terms.

Benefits and Entitlements

• The following benefits shall be payable under this policy, subject to the terms and conditions:
• In the event of the insured person’s death or total and permanent disability, a compensation amount equivalent to 100% of the sum insured shall be payable.
• If the insured person dies or becomes totally and permanently disabled due to an accident, a compensation amount equivalent to 200% of the sum insured shall be payable.
• In the event of any of the following injuries resulting from an accident, a compensation amount equivalent to 50% of the sum insured shall be payable:
  • Total and permanent loss of hearing in both ears
  • Permanent loss of speech
  • Loss of one eye
  • Loss of one limb (arm or leg)
  • Surgical Injuries Due to Accident
• In the event of any of the following conditions resulting from an accident, requiring surgical intervention, a compensation amount equivalent to 15% of the sum insured shall be payable:
  • Skull fracture requiring craniotomy (surgical opening of the skull)
  • Vertebral fracture requiring surgical treatment

Exclusions – Circumstances Not Covered

The insurer shall not be liable to pay any benefits under this policy for death, total and permanent disability, or bodily injury resulting directly or indirectly from the following circumstances:

•  Any incident arising from the insured person committing or attempting to commit a criminal offense.
• Participation in war, carrying weapons of war, or involvement in any war-related activities.
• Participation in high-risk or extreme sports and adventurous activities.
• Involvement in riots, civil commotion, public demonstrations, strikes, acts of terrorism, or attacks by armed groups, whether the insured person is actively involved or not.
• Death or disability resulting from self-inflicted injury occurring within two (2) year from the policy issue date or reinstatement date.
• Death or disability caused by any pre-existing condition that was not disclosed at the time of policy application.
• Any condition that was excluded under a new offer made at the time of policy issuance but not accepted or disclosed by the insured.
• Illnesses resulting from infection with Human Immunodeficiency Virus (HIV) or Acquired Immunodeficiency Syndrome (AIDS).

Claims Procedure

• In the event of an incident covered under this policy, the following procedures must be followed

Notification of Claim

• A written notice of claim must be submitted to us within thirty (30) days from the date of the incident.

Claim Forms

• Upon receipt of the written notice, we will issue the necessary claim forms within fifteen (15) days for the claimant to complete and submit supporting documents.

Submission Deadline

• The completed claim form and all required supporting documents must be submitted to us in an acceptable format and manner within ninety (90) days from the date of the incident.

Medical Examination and Autopsy

• We reserve the right to request the insured person to undergo a medical examination or any other appropriate investigation to verify the claim. Where not prohibited by law, we also reserve the right to request an autopsy.

Required Documents for Claim Submission

The following documents must be submitted to us:

• The original insurance policy document
• Proof of ownership or entitlement to claim by the claimant
• Identification and authorization documents of the insured or the authorized claimant
• A duly completed claim form and medical report
• Evidence supporting the cause of the claim under this policy
• Any additional documents we may reasonably request to process the claim

For detailed application procedures and downloadable claim forms, please visit our website: https://www.manulife.com.mm/mm/services