Plan highlights
Cash for every day in hospital
For every day admitted as an inpatient you receive the daily benefit you selected, to spend as you choose
Replaces the income you lose
Helps replace income on the days you cannot work while recovering, and the incidental costs other cover does not reach
Tops up the cover you already have
It pays on top of any health insurance or employer benefits, because it is a cash amount per day rather than a reimbursement of treatment costs
Several benefit levels to choose from
Choose a daily benefit from THB 500 to THB 7,000, according to your age and the sum insured of your main life policy
One premium rate for all genders
Rates are set by age band rather than gender, calculated per THB 100 of daily benefit — simple to understand
Attached to a main policy
This is a rider attached to a main life policy, with a minimum main sum insured depending on the benefit level chosen
Estimate the premium and daily benefit
Choose an age and a daily benefit to see the premium and the minimum main sum insured required (based on the agent TOP UP criteria)
Entry age Newborn–65 years
Maximum at age 30 years (agent TOP UP) THB 7,000/day
For each day in hospital you receive
1,000 THB
for every day admitted as an inpatient, subject to the policy conditions
This is a rider and must be attached to a main life policy — A daily benefit of THB 1,000/day at this age can be taken with any standard main life policy (no additional minimum sum insured).
Rider premium
Monthly
230
THB
Quarterly
670
THB
Semi-annual
1,300
THB
Annual
2,500
THB
Rates are calculated per THB 100 of daily benefit, at a single rate for all genders · these figures are estimates for educational purposes. The maximum daily benefit and the minimum main sum insured follow the agent TOP UP criteria · actual premiums and conditions follow the policy. Please confirm with an agent before deciding.
Key conditions
- This is a rider and must be attached to a main life policy
- Entry age 1 month – 65 years · cover available to age 70, or matching the term of the main life policy
- The maximum daily benefit available depends on your age band and the sum insured of the main life policy (agent TOP UP criteria)
- Rates are calculated per THB 100 of daily benefit, at a single rate for all genders, banded by age
- Premiums may be paid annually, semi-annually, quarterly or monthly, and change with your age each year
Frequently asked questions
How does a daily benefit differ from health insurance?
Health insurance reimburses the actual treatment cost, while a daily benefit pays a fixed cash amount for each day in hospital whatever the bill comes to — useful for replacing lost income and covering other costs.
What sum insured does the main policy need?
It depends on the age band and the benefit level chosen. For ages 16–55, for example, a benefit of THB 2,000 a day requires a main sum insured of at least THB 100,000; THB 3,000 a day requires THB 300,000; and THB 4,000 a day requires THB 500,000. Try adjusting the calculator above.
For how many days is the benefit paid?
The maximum number of days per admission and per year follows the conditions stated in the policy. We recommend checking the details with an agent before deciding.
Does the premium rise every year?
The premium for this rider is set by age band, so as you move into the next band the rate per unit of daily benefit rises according to the rate table.
This page is produced by an independent life insurance agent for general education. It is not an official page of any insurer. The daily hospital benefit is a rider that must be attached to a main life policy. The actual benefits, premiums, maximum number of days and conditions follow the policy and the sales documents. Please consult an agent before deciding.