Plan highlights
A cash benefit for every day in hospital
Receive the daily benefit for every day admitted as an inpatient, up to 1,250 days, paid as cash to spend as you choose
4× in an intensive care unit
For treatment in an intensive care unit (ICU), the daily benefit rises to four times the daily amount
Covers surgery and accidents
Additional benefits for surgery and procedures, and for accidents (expressed as multiples of the daily benefit)
Replaces income lost while you recover
Helps replace income you lose and the extra costs a main plan may not cover
The health premium is tax deductible
The health insurance portion of the premium is deductible under Revenue Department rules
Can be attached to several main policies
Attach it to a main life policy (whole life, endowment, pension or unit-linked), subject to the conditions
Benefits
Expressed as multiples of the daily medical benefit selected
For total permanent disability, death from a critical illness, or death from another cause, the insurer pays one of these only and the rider then ends · "×" means a multiple of the daily medical benefit selected
Estimate premiums and benefits
Choose gender, a daily medical benefit and an age to see the premium and example benefit amounts
Entry age Newborn–70 years
Benefit amounts (daily benefit THB 1,000)
Total permanent disability / death from a critical illness / death from another cause — one of these is payable.
Premium
Monthly
221
THB
Quarterly
662
THB
Semi-annual
1,274
THB
Annual
2,450
THB
Note: Premiums are estimates for educational purposes, calculated per THB 100 of daily medical benefit (occupation classes 1, 2 and 3 are the same). Semi-annual, quarterly and monthly premiums are derived from the annual premium using the insurer's factors. This is a rider and must be bought with a main life policy; the maximum daily benefit depends on your age and the sum insured of the main policy. Please confirm with an agent before deciding.
Tax deduction
The health insurance portion of the Health Fit Pro premium can be deducted from personal income tax under Revenue Department rules. The limits and conditions follow current tax law and your own circumstances.
Key conditions
- This is a rider and must be bought together with a main life policy (whole life / endowment / pension / unit-linked), subject to the conditions
- Entry age 1 month – 70 years · renewable to age 79 (the calculator covers entry ages up to 70)
- Benefits are multiples of the daily medical benefit selected. The maximum daily benefit depends on your age and the sum insured of the main policy.
- The daily benefit for a standard inpatient room is payable for up to 1,250 days · an ICU room for up to 365 days
- Waiting periods apply to certain conditions as stated in the policy
Frequently asked questions
What does Health Fit Pro cover?
It is a daily cash benefit, paid for every day you are admitted as an inpatient, calculated as a multiple of the daily medical benefit you select — for example 1× a day in a standard room and 4× a day in an ICU.
How does it differ from a lump-sum health plan?
A lump-sum health plan pays the actual treatment cost, while a daily benefit pays a fixed cash amount per day whatever the bill comes to. It works well as a top-up to replace lost income and cover extra expenses.
Can I buy it on its own?
No. It is a rider and must be bought with a main life policy, and the maximum daily benefit depends on your age and the sum insured of that policy.
Is the premium tax deductible?
The health insurance portion of the premium is deductible under Revenue Department rules. We recommend checking the current criteria before claiming.
How is "one admission" counted?
It means a single stay in hospital as an inpatient. Two or more stays for the same cause, illness or complications of the same illness count as one admission if each is no more than 90 days from the date of the last discharge.
What is an intensive care unit (ICU), and what does it pay?
It means a room set aside specifically for the treatment of critically ill patients (an intensive care inpatient room). For treatment in an ICU the daily benefit rises to four times the daily medical benefit, for up to 365 days (together with item 1, no more than 4× a day).
What does "day-case inpatient" mean?
It means inpatient treatment that does not require an overnight stay, as specified in the contract. The daily benefit of 1× a day still applies.
How is "inpatient surgery" defined?
It means surgery performed under general anaesthesia or spinal anaesthesia administered by an anaesthetist. The benefit is 15× (payable once per admission).
What is total permanent disability (TPD)?
It means disability continuing for at least 180 days such that you cannot perform any occupation for remuneration, or the loss of specified body parts — such as both eyes, both hands, both feet, or one hand and one foot. The benefit is 200×.
Which critical illnesses does this rider cover?
It covers the illnesses and severe conditions defined in the rider, such as carcinoma in situ and invasive cancer. The first diagnosis must be made while you are living. The details and the list of conditions are as stated in the policy.
This page is produced by an independent life insurance agent for general education. It is not an official page of any insurer. The actual benefits, premiums and conditions follow the policy and the sales documents. Tax deductions follow Revenue Department rules and your own circumstances. Please consult an agent before deciding.