Thailand Insurance

Policy Benefits 5M Baht PDF Print E-mail

5 Million Baht Policy Details 

YOUR WORLDWIDE BENEFITS (ALL IN BAHT)

Maxi Care

Ultra Care

Maximum Coverage for any one disability

5,000,000.-

20,000,000.-

(or series of disabilities arising from one event)

 

 

Life time limit

20,000,000.-

80,000,000.-

DEDUCTIBLE

 

 

(See Premium table for deductible options of 40,000/100,000 or 200,000)

OPTIONAL

OPTIONAL

SUBSTANDARD RISKS

Considered on application

Considered on application

SPORTS COVER (for recreational sports. Incl. Skiing & SCUBA)

Yes

Yes

GUARANTEED RENEWABILITY (premium subject to change)

Life time

Life time

 

 

 

 

 

 

 

 

 

HOSPITAL, OUTPATIENT & EMERGENCY MEDICAL

Covers normal, usual an customary charges for:

Maxi Care

Ultra Care

Room and Board

Semi private or

Private or

 

8,000/day

16,000/day

 

 

 

Operating Theatre

100%

100%

Surgeon’s Fee: includes pre-surgical assessment and normal post-surgical care in the treatment country for each disability

100%

100%

Organ Transplant: fees for kidney, heart/lung, liver and bone marrow transplants (benefits may include costs for donor)

1,000,000.-

2,000,000.-

Anesthetist’s Fee

100%

100%

Private Nurse Fee: when certified necessary by the attending physician
(at home for up to 30days immediately after hospitalization)

100%

100%

Maternity Benefit : all inclusive limit per pregnancy – Subject to a 12 months waiting period in 1st policy year.

Surgical deliver 100,000.-
Normal delivery 60,000.-

Surgical deliver 150,000.-
Normal delivery 90,000.-

(90 days for miscarriage or “Dilation and Curettage”)

D & C 20,000

D & C 40,00

Inpatient psychiatric/mental disorders:     - Limit per disability
- Limit per life time

50,000.-
200,000.-

100,000.-
400,000.-

Miscellaneous Inpatient Charges: for required Diagnostic Laboratory Fee: X-rays;

100%

100%

Professional Fees; Prescribed Medicines, Blood and Plasma; Wheel Chair Rentals; Surgical

 

 

Appliances, Devices, Standard Prosthetics (as approved by Company)

 

 

Intensive Care Unit, and Coronary care Unit

100%

100%

Outpatient Benefit: Physician and Specialists’ Fees for office visits; Physiotherapist.
Chiropractor, and Acupuncturist when referred by the attending physician; and for required
Diagnostic Laboratory Fees, X-rays, Prescribed Medicines, Outpatient Surgery, Surgical
Appliances, Dressings, Chemotherapy, and Radiation

100%

100%

Emergency Room Charges

100%

100%

Emergency Local Ambulance Service

100%

100%

World-wide Emergency Assistance: 24 hours a Day and 7 Days a Week

100%

100%

Emergency Medical Evacuation

1,000,000.-

1,000,000.-

Note:  1.  Overseas Financial payment direct to providers can be arranged where claims exceed Baht 100,000.
2. All Children born during a policy year are covered free of charge for the duration of the policy year excepting ‘ well care’ and outpatient treatment  subject otherwise to Terms & Conditions of Policy.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ADDITIONAL BENEFIT PLANS

Covers normal, usual an customary chares for eligible expenses

Maxi Care

Ultra Care

Dental Benefit: pays 80% to

80,000/(optional)

80,000/ (included)

Vision Benefit: pays 80% of eye exams and prescription lens annually for each insured

20,000/(optional)

20,000/ (included)

Personal Accident Benefit: Covers loss of life, loss of one both hands or feet, loss of vision in one or both eyes, or permanent and total disability caused directly and solely by accident
(child benefit  limits are Baht 100,000.-) Additional rate 1.5/1,000.-

200,000 to
Additional
20,000,000 (optional)

400,000 (included)
Additional
20,000,00 (optional)

Annual Travel Benefit; covers the following annual eligible expenses worldwide when traveling out side you country of residence on trips lasting up to 60 days

(Optional)

(Included)

   Medical Expenses – covers illness or injury including

2,000,000.-

2,000,000.-

   Emergency Evacuation (to Baht 1,000,000) with a maximum of Baht 12,000 per day for  
Hospital room and board which is doubled when room also includes all professional 
services.
“Get You Home” Benefit - covers the additional cost of  your own travel accommodation

 

 

   necessarily incurred as a result of a covered disability to get you back home, (additional
cost of travel for family member or business associate limited to Baht 50,000)

 

 

   Baggage Loss - covers up to Baht 10,000 per  item, pair or set limit per year.

20,00.-

20,000.-

   Baggage Delay - covers purchase of essential clothing and toiletries if your checked
baggage is delayed on arrival at your destination for over 12 hours

 

50,000.-

 

50,000.-

  Personal money - covers burglary and armed robbery of cash, bank notes and traveler's
checks to a limit of

 

20,000.-

 

20,000.-

  Hospital Cash Income - pays Baht 1,200 per day for each 24hours you are hospitalized.

18,000/confinement

18,000/confinement

   Strikes & Hijack - pays Baht 1,000 per day for 12+ hour delays.

100,000.-

100,000.-

    Personal Liability  (excluding vehicle liability) limit per year

5,000,000.-

5,000,000.-

 

DISCOUNT OPTIONS

Outpatient Exclusion

20% discount

20% discount

40,000 Deductible Option (you pay the first Baht 40,000/year)

25% discount

25% discount

100,000 Deductible Option  (you pay the first Baht 100,000/year)

32.5% discount

32.5% discount

200,000 Deductible Option (you pay the first Baht 200,000/year)

40% discount

40% discount

Treatment Area Limit (excludes treatment in North America, Japan, Hong Kong, EU Countries and Switzerland)

20% discount

20% discount

 

PREMIUMS (BAHT)

Age Band

0-4

5-18

19-25

26-30

31-35

36-40

41-45

46-50

51-55

56-60

61-65

Maxi Care

29,000

21,500

32,000

37,000

40,000

44,000

50,400

57,500

63,000

71,500

88,500

Ultra Care

36,200

37,500

54,000

60,000

65,000

73,500

77,000

88,500

94,500

112,000

132,000

 

 
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