[Form] Student Off-Campus Internship Insurance Information and Form (Updated in August 112)

In the 112th academic year, the Ministry of Education has arranged group accident insurance for students participating in off-campus internships at various levels of public and private colleges and universities. The awarded insurer is Shin Kong Life Insurance Co., Ltd.

Contract Period: From 00:00 on August 1, 112, to 24:00 on July 31, 113.

Coverage: This insurance covers students from public and private colleges and universities under the jurisdiction of the Ministry of Education who have enrolled in off-campus internships (limited to those listed in the insured person's roster).

Coverage Scope: Accidents that occur suddenly and are not caused by illness (24-hour coverage). This includes incidents such as natural disasters, traffic accidents (excluding accidents involving drunk driving), and excludes suicide cases.

Coverage Details: [Details of the insurance coverage would be provided in this section.]

Q&A

Q1. Who are considered legal heirs as beneficiaries for the death benefit?

According to Article 1138 of the Civil Code, "Legal heirs and their order of succession" are defined as follows: Inheritance, apart from the spouse, is in the following order:
1. Direct lineal descendants (children).
2. Parents.
3. Siblings.
4. Grandparents.
Regardless of the order of inheritance, they must share the inheritance with the "spouse" of the deceased.

Q2. How long does it take to process a claim?

Upon receiving the claim application and the required documents, the insurance company will process the case and make the payment within 14 days if there are no errors in the review.

Q3. What is the claim application deadline?

The rights arising from this insurance policy expire if they are not exercised within two years from the date they become enforceable.

Q4. What is considered an accident? Can claims be made for suicide?

An accident is defined as an unforeseen and sudden incident that is not caused by illness. "Suicide" is considered an intentional act by the insured and is one of the exclusions from coverage. The insurance company is not liable to pay the insurance benefit in such cases.

Q5. Can students claim if they contract COVID-19?

This insurance policy covers only accidental injuries, which are defined as unforeseen incidents not caused by illness. Therefore, COVID-19 is not within the scope of this insurance policy's coverage.