◎ Product information

DB Insurance Promy Domestic/Overseas Travel Insurance is an insurance that compensates for economic losses due to accidents or diseases from the insurance start date to the insurance expiration date during the period of stay for general tourism purposes.

◎ Specific features of the product

- The insurance period for this product can be concluded as a short-term contract of up to 3 months.

- The insurance premium payment cycle for this product is based on a lump sum payment.

◎ Notice for subscribers

※ Our company has an obligation to fully explain the product, and subscribers are requested to receive a sufficient explanation prior to signing up.

(1) Be sure to read the product description and terms and conditions before concluding an insurance contract.

(2) If the policyholder cancels the existing insurance contract and enters into another insurance contract, the insurance contract may be rejected, the premium may increase, or the coverage may change.

(3) This content is summarized from Internet data based on the terms and conditions. Please be sure to refer to the terms and conditions and product summary for further details, such as reasons for payment of insurance money, reasons for non-payment of insurance money, and other matters.

(4) Since this screen is a simple guide to help subscribers understand, the content may differ from the subscription plan, product description, etc. that are generated when actually signing up for insurance, and cannot serve as basic evidence for insurance payment.

◎ Precautions when applying

- The policyholder must personally check the contents printed on the insurance contract application form and then sign by hand.

- When concluding a contract, the company provides the policyholder with a summary of insurance terms and conditions and explains the important contents of the terms and conditions.

- If the company fails to deliver the terms and conditions to be provided and the application form for the contractor's storage to the contractor at the time of application, or fails to explain important details of the terms and conditions, or if the contractor fails to sign the application form by hand at the time of concluding the contract, the contractor shall be subject to 3 months from the date of application. You can cancel the contract within (If you have entered into a contract, be sure to keep a copy of the application form along with the terms and conditions)

- Internet subscriptions must be completed by the policyholder and the policyholder and the insured must consent by a joint certificate (formerly public certificate). If consent is not obtained by a joint certificate (formerly public certificate), the validity of the insurance contract, etc. Therefore, there may be disadvantages. (Consent through a joint certificate (formerly a public certificate) replaces the handwritten signatures of the policyholder and the insured.)

◎ Insurance premium payment method

- You can pay your insurance premium to a salesperson (employee, agent, planner), directly to our company, or online. Be sure to receive a receipt issued by the company.

◎ Duty to inform before contract

The contract holder or the insured (person subject to insurance) must truthfully report any facts he or she knows about the questions asked in the application form at the time of application (in the case of a diagnostic contract, this refers to the time of health examination).

However, in the case of a diagnosis contract, a health examination may be replaced with data that can determine the health status, such as a copy of a health certificate conducted by an employer or individual at a general hospital or hospital under the provisions of Article 3 (Medical Institutions) of the Medical Service Act.

If the policyholder or the insured (insurance subject) violates the obligation to inform before contracting intentionally or through gross negligence, the company may terminate this contract regardless of whether reasons for insurance payment arise or not.

◎ Duty to inform after contract

The policyholder or the insured may change his or her job or job during the insurance period (including cases where a private car driver changes his or her job or job to a commercial driver) or if the insured changes his/her job or job (including changes to a job or job from a private car driver to a commercial driver) or uses a two-wheeled vehicle or motorized bicycle (electric kickboard, electric wheel, etc.). This includes personal mobility devices that operate on a continuous basis (mainly for work, work, club activities, commuting, etc.) and excludes electric wheelchairs, medical scooters, etc. (limited to cases of use), you must notify the company without delay.

If the risk is reduced accordingly, the company will return the difference in insurance premium. If the risk has increased due to the policyholder's or the insured's intention or gross negligence, the company can request an increase in the insurance premium or terminate the contract within one month from the date of receiving the notification. You can cancel. If the policyholder or the insured fails to notify the company of a change in occupation or job due to intent or gross negligence, and if the rate after the change is higher than the rate before the change, the company shall increase the insurance premium to the policyholder or the insured within one month from the date of learning of the fact. You may make a claim or terminate the contract.

Additionally, if an insured event occurs, payment of insurance benefits may be limited.

◎ Duty to notify after signing an accident insurance contract

The policyholder or the insured may change his/her job or job during the insurance period, or if the insured changes his/her job or duties, or if he/she changes his or her job or duties, or if he/she changes his/her job or duties, or if he/she changes his or her job or duties, or if he/she changes his/her job or duties, or if he/she changes his/her job or duties, or if he/she changes his or her job or duties, or if he/she changes his/her job or duties, or if he/she changes his/her job or duties, or if he/she changes his/her job or duties, or if he/she changes his/her job or duties, or if he/she changes his/her job or duties, or if he/she changes his/her job or duties, or if he/she changes his/her job or duties, the policyholder or the insured person may use a two-wheeled vehicle or motorized bicycle (including personal mobility devices operated by electric motors such as electric kickboards and electric wheels, and walking aids used by the disabled or mobility impaired). If you continue to use your vehicle (excluding electric wheelchairs, medical scooters, etc.), you must notify the company without delay.

◎ General disclaimers

The company will not pay insurance money when the reason for payment of insurance money arises due to the intentional actions of the policyholder, insured person, insurance beneficiary, etc.

The company will not pay insurance benefits when the insured is liable for an injury due to an act listed below for the purpose of occupation, duties, or club activities.

① Professional climbing (refers to climbing or descending rock or ice walls using professional climbing equipment, or accompanying someone who requires special skills, experience, and prior training), glider operation, skydiving, scuba diving, hang gliding, water boating, and paragliding.

② Competitions, demonstrations, performances (including practice for this) or test drives for motorboats, cars or motorcycles (injuries occurring during test drives on public roads are covered)

③ While a person whose job it is to board a ship is boarding the ship as part of his/her official duties.

※ Other details, such as reasons for payment of insurance money and reasons for not paying insurance money, may be restricted depending on the terms and conditions, so please be sure to refer to the terms and conditions.

◎ Insurance contract cancellation and quality assurance system

① Subscription withdrawal system

- Policyholders who are general financial consumers may withdraw their subscription within 15 days from the date of receipt of the insurance policy, and the insurance company will refund the entire premium paid within 3 business days from the date of receipt of the withdrawal. However, insurance contracts concluded by professional financial consumers, contracts exceeding 30 days from the date of subscription (contracts concluded by phone (TM) by policyholders over 65 years of age: exceeding 45 days from the date of subscription), contracts in which the company supports health status diagnosis, insurance period Contracts with a (guarantee period) of less than 90 days cannot be cancelled.

[General financial consumers]: Refers to contract holders who are not professional financial consumers.

[Professional financial consumer]: A person who has the ability to bear risks according to insurance contracts in light of insurance contract expertise, asset size, etc., and includes the government, local governments, Bank of Korea, financial companies, listed corporations, etc. Refers to a contractor who is a professional financial consumer as defined in Article 2, Paragraph 9 of the Consumer Protection Act.

- The contract holder may withdraw his/her subscription within 15 days from the date of receiving the insurance policy (30 days from the date of signing the contract (however, 45 days for contracts concluded over the phone by contract holders over 65 years of age)), in this case. The company will return the premium paid within 3 business days. However, diagnosis contracts, contracts with an insurance period of less than 90 days, or contracts entered into by professional financial consumers cannot be canceled, and if the period exceeds 30 days from the date of application. You cannot withdraw your subscription.

If the policyholder and the insurance company differ in their opinions regarding the date on which the insurance policy (insurance subscription certificate) was received, the insurance company must prove this.

② Quality assurance system

- When the company does not deliver the terms and conditions and the application form for the contractor to the subscriber or does not explain important contents of the terms and conditions, or when concluding the contract, the contractor affixes a handwritten signature (seal (stamp)) on the application form and violates Article 2 of the Electronic Signature Act. If the contract is not signed (including the electronic signature pursuant to Article 2), the contract holder may cancel the contract within 3 months from the date of conclusion of the contract. However, a group (handling) contract can be canceled within one month from the date of conclusion of the contract.

In this case, the company returns the insurance premium already paid to the policyholder and pays it by adding the insurance contract loan interest rate calculated by compounding the year for the period in which the premium was received.

◎ Insurance claims and procedures

If an insurance accident occurs, please notify our company immediately and submit insurance claims such as accident certificates and medical certificates, and we will promptly compensate you.

◎ Maturity refund

This product is a perishable pure insurance policy and there is no refund upon maturity.

◎ Insurance period and insurance premium payment period

- The insurance period for this product can be concluded as a short-term contract of up to 3 months.

- The insurance premium payment cycle for this product is based on a lump sum payment.

◎ Information on individual actual cost medical insurance

Actual cost medical insurance is a product that covers medical expenses that are not covered by national health insurance and must be borne by the patient. If you want to sign up for actual cost medical insurance, there is also Promi Direct Domestic Travel Medical Expense Insurance, which is a standalone actual cost medical insurance.

◎ Counseling and insurance dispute mediation information

- If you need consultation or have any complaints regarding the insurance you have signed up for, please contact our company so we can resolve it quickly.

Additionally, if you have any objection to the processing results, you can file a complaint or dispute mediation with the Financial Supervisory Service.

ㆍHeadquarters contact information

- Counseling phone number: 1899-4040 / 432 Teheran-ro, Gangnam-gu, Seoul (Daechi-dong, DB Financial Center)

- Korea Consumer Agency Helpline: 1372 without area code / 54 Yongdu-ro, Maengdong-myeon, Maengdong-gun, Eumseong-gun, Chungcheongbuk-do (Duseong-ri 600)

- Financial Supervisory Service hotline: 1332 without area code / 38 Yeoui-daero, Yeongdeungpo-gu, Seoul

- Non-Life Insurance Association consultation line: 02-3702-8500 / www.knia.or.kr

◎ Establishment of recruitment order and reporting center information

- Any act of disrupting the insurance solicitation order in relation to an insurance contract may be punished under the Insurance Business Act.

ㆍFinancial Supervisory Service Recruitment Order Violation Reporting Center Phone: 1332 without area code / www.fss.or.kr

ㆍNon-Life Insurance Association Tel: 02-3702-8500 / www. Knia. or.kr

◎ Financial Supervisory Service Insurance Crime Reporting Center

- Insurance crimes are punished according to the Special Act on Prevention of Insurance Fraud, and Article 8 of the Special Act on Prevention of Insurance Fraud states that anyone who obtains insurance money through insurance fraud or who causes a third party to obtain insurance money can be punished by imprisonment for up to 10 years or by a fine of up to 50 million won. there is.

ㆍCall 1332 without area code

ㆍInternet Financial Supervisory Service website (www.fss.or.kr) ‘Insurance Crime Reporting Center’

ㆍInsurance Crime Report Center (insucop.fss.or.kr)

◎ Protection under the Depositor Protection Act

This contract is a product subject to protection by the Deposit Insurance Corporation under the Depositor Protection Act. We protect up to “50 million won” per person, including cancellation refunds, maturity refunds, accident insurance premiums, and other payments for all protected financial products. However, contracts where the contract holder and the insurance premium payment entity are corporations are not protected under the Depositor Protection Act.