ATOM New SIM Life Insurance Bundle Program

Enjoy Complimentary Life Insurance with a New ATOM SIM!

To get more value with ATOM, Purchase, Register, and Activate a New ATOM SIM card and enjoy the opportunity to receive complimentary uab Thaw Ka Kinn Way TelcoCare Life Insurance coverage 1 Million MMK for 36 months, subject to eligibility requirements and the applicable Terms & Conditions.

This special offer is brought to you by ATOM Myanmar in collaboration with uab Bank PCL, helping eligible customers enjoy additional protection and greater peace of mind.

*Remark: uab Bank is the exclusive distributor of Manulife Myanmar’s insurance products.*

Terms and Conditions

This insurance is available to new ATOM SIM users who have registered and purchased a new ATOM SIM in accordance with ATOM Myanmar Limited’s (ATOM) terms and conditions.
This insurance is available only to individuals who have received an SMS notification confirming their eligibility for the insurance benefits and who are Myanmar citizens aged between 18 and 45 years, holding a valid National Registration Card (NRC).
This insurance benefit can only be applied through the designated Campaign Link.
The insurance benefit will become effective only after Insurance Company has verified the required information and the policy has officially commenced.
This benefit is subject to and governed by the applicable terms, conditions, and procedures of Insurance Company.
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 reserves the right to amend, suspend, terminate, or modify this promotional offer and its terms and conditions, as necessary. Customers applying for the insurance shall comply with the terms, conditions, and requirements stipulated by the insurance company.
ATOM shall not have an access right to your personal information, documentation, claim procedures for insurance application process. Only insurance company is the sole entity that collects and knows your personal information for the application process.
ATOM shall not be responsible for any personal information or documents voluntarily provided by applicants to the insurance company for the purpose of applying for insurance.
Any dispute relating to the purchasing of insurance shall be directly settled between the insurance company 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:
The insurance benefit amount is MMK 1,000,000.
In the event of the insured person’s death or total and permanent disability, a compensation amount equivalent to 100%(MMK 1,000,000) 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% (MMK 2,000,000) 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%(MMK 500,000) 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%(MMK 150,000) 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).

Insurance Claim Procedure

Step 1 – Notification
- Contact the insurance company's Customer Service Department at 09-765 467 100 to notify them of your intention to make an insurance claim.
Step 2 – Completion of Required Claim Forms
- Complete the forms required to submit an insurance claim. The insurance company will provide guidance and assistance with completing the claim forms and identifying the necessary supporting documents.
Step 3 – Submission of Documents
- Submit the completed claim forms and all required supporting documents to Manulife's head office in person or by email to claimssubmission@manulife.com.
Upon receipt of all required information and supporting documents, the insurance company will review and process the claim within five (5) working days.

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 insurance company website: https://www.manulife.com.mm/mm/services

Frequently Asked Questions

It is a life insurance plan that provides benefits in the event of death during the 3-year insurance coverage period.

Individuals To be eligible for this insurance, applicants must meet the following criteria:

Be a new ATOM SIM user who has registered and purchased the SIM in accordance with ATOM Myanmar Limited’s terms and conditions.
Have received an SMS notification confirming eligibility for the insurance benefits, be a Myanmar citizen aged between 18 and 45 years, and hold a valid National Registration Card (NRC).

The insurance coverage amount is MMK 1,000,000.

No, there is no premium payment required.

NRC (National Registration Card), personal information, and phone number are required.

The insurance coverage period is 3 years.

The procedure for submitting an insurance claim is as follows:

Step 1: Notification
- Contact the insurance company’s Customer Service Department at 09-765 467 100 to notify them of your intention to make an insurance claim.
Step 2: Completion of Required Claim Forms
- Complete the required insurance claim forms. The insurance company will provide guidance and assistance with completing the forms and identifying the necessary supporting documents.
Step 3: Submission of Documents
- Submit the completed claim forms and all required supporting documents to Manulife’s head office in person or by email to claimssubmission@manulife.com.
- Once all required information and supporting documents have been received, the insurance company will review and process the claim within five (5) working days.