Benefits
Benefits are a percentage of the sum insured — invasive cancer can be claimed up to three times (the first occurrence plus two recurrences)
| Benefit | Pays | Conditions |
|---|---|---|
| Carcinoma in situ, first occurrence | 20% | Payable once over the life of the contract |
| Carcinoma in situ recurring in a different organ | 20% | Payable once over the life of the contract |
| Invasive cancer, first occurrence (premiums waived thereafter) | 100% | Payable once over the life of the contract |
| Invasive cancer recurring (after 24 months) | 100% | Payable up to twice more (each occurrence) |
| Benign tumour requiring surgery | 5% | Up to THB 100,000 · payable once |
| Daily cash benefit on first diagnosis of invasive cancer | 1% | Up to THB 5,000/day · no more than 30 days |
| Treatment benefit on first diagnosis of invasive cancer | 20% | Payable once over the life of the contract |
Key conditions
- Entry age 16 – 70 years, renewable to age 84 (cover to age 85 · a yearly renewable contract; the premium rises with age)
- All occupation classes accepted · limited to one policy per person
- This is a rider and must be bought together with a main life policy (it cannot be added later)
- Minimum sum insured for this rider is THB 300,000 (increasing in steps of THB 100,000)
- Maximum sum insured across all policies: up to THB 3,000,000 for applicants without earned income · up to THB 5,000,000 for those with earned income
- Part of the premium qualifies for the health insurance tax deduction (excluding the daily cash benefit portion) under Revenue Department rules [check the latest criteria]
Estimate your premium
Choose gender, age and sum insured to see the approximate monthly, quarterly, semi-annual and annual premium.
Entry age 16–70 years
Minimum THB 300,000 · maximum THB 5,000,000
Monthly
39
THB
Quarterly
114
THB
Semi-annual
216
THB
Annual
417
THB
Note: Premiums are estimates for educational purposes, calculated from the rate per THB 1,000 of sum insured under the February 2023 schedule (all occupation classes), new entry age 16 – 70 years. Actual premiums depend on underwriting and the policy conditions. Please confirm with an agent before deciding.
iA rider — a main policy is required first
Multi-pay cancer insurance is ariderthat must be attached to a main life policy, so a main life policy is required first. The sum insured of this ridermay not exceed five times the sum insured of the main policy(for the applicable distribution channel).
Example
For cover ofTHB 1,000,000 → the main life policy needs a sum insured of at leastTHB 200,000 (1,000,000 ÷ 5)
The minimum sum insured for this rider is THB 300,000, and it must not be lower than the minimum sum insured of the main policy. Conditions are as set by the insurer.