Benefits
The benefits below are stated per unit, and up to 10 units may be taken (benefits and premiums are multiplied by the number of units selected).
| Benefit | Benefit per unit | Conditions |
|---|---|---|
| Daily medical benefit (inpatient) — ages 20–59 | THB 2,000/day | Pays 2× the base rate per unit |
| Daily medical benefit (inpatient) — age 60 and over | THB 1,000/day | Pays 1× the base rate per unit |
| Intensive care unit (ICU) | THB 3,000/day | Pays 3× in all cases (up to 3× a day in total) |
| Day-case inpatient treatment (no overnight stay) — ages 20–59 | THB 2,000 | Pays 2× (from age 60, pays 1× = THB 1,000) |
| Death from a critical illness | THB 200,000 | Paid to the beneficiary |
Daily benefits (inpatient plus day case) are payable for no more than 750 days in total per admission
Critical illnesses covered (10 condition groups)
Covers illness or death caused directly by the following defined critical illnesses
Key conditions
- Entry age 20 – 70 years · guaranteed renewal to age 79, with cover to age 80 (a yearly renewable contract; the premium changes with age and occupation)
- All occupation classes accepted (the premium for class 3 is higher than for classes 1–2)
- This is a rider and must be bought together with a main life policy
- Critical illness definitions follow the standard 50-condition definitions under the revised schedule (applying to policies commencing from 1 April 2019)
- A waiting period of 30 days applies from the commencement date or the most recent renewal date
- The insurer will not contest the validity of the contract once it has been in force for two years or more (incontestability clause)
- Daily benefits (inpatient plus day case) are payable for no more than 750 days in total per admission
- The qualifying health insurance portion of the premium is deductible under Revenue Department rules [check the latest criteria]
Estimate your premium
Choose an occupation class, age and number of units to see the approximate premium and benefits on an annual, semi-annual, quarterly and monthly basis.
Entry age 20–70 years
Daily benefit (ages 20–59)
2,000/day
ICU room
3,000/day
Death from a critical illness
200,000
Monthly
29
THB
Quarterly
87
THB
Semi-annual
169
THB
Annual
325
THB
Note: Premiums are estimates for educational purposes, calculated per unit at the same rate for men and women, under the March 2017 schedule (new entry age 20–70). Actual premiums and benefits depend on underwriting, the number of units available to you, and the policy conditions. Please confirm with an agent before deciding.
iA rider — a main policy is required first
The critical illness cash benefit is ariderthat must be bought together with a main life policy, and is taken in units. The maximum number of units depends on the sum insured of the main policy.
Units available by main policy sum insured
- Main sum insured THB 100,000 – under THB 200,000 → up to5 units
- Main sum insured from THB 200,000 → up to10 units
Counting all critical illness cash benefit policies together (the former plan plus plans 1 and 2), the maximum is 10 units per person. Conditions are as set by the insurer.