• Q

    Can we choose lower benefit insurance plan for internal staff than fieldwork staff’s e.g. Messenger staff?

    A

    No, because the insurance plan must be chosen in accordance with job position, not risk.

     

  • Q

    If we enter into a policy contract with 5 staffs; however, there are resigned staffs during the contract period and only 2 staffs remaining, will the policy be canceled or not?

    A

    The policy will not be canceled, but the Company will underwrite again when the contract is renewed. If number of staff is less than 3 people (only staff), the Company shall decline to insure.

  • Q

    For applying the SME Smile insurance, when will we receive coverage if we completely submit the document?

    A

    The coverage will be effective after the customer has been approved for insurance and has     paid premium completely.

  • Q

    Can we purchase dental treatment benefit based on the main insurance plan without purchasing OPD?

    A

    No, you must purchase OPD in order to purchase dental treatment benefit.

  • Q

    What are the criteria of purchasing OPD or Dental treatment benefit?

    A

    OPD benefit must not exceed room and board expense of the first plan (in case there are 3     plans) ;     for the next plan, customer cannot purchase over 2 tiers.

  • Q

    Can spouse or child participate in the insurance plan during a year? Why?

    A

    Answer No, except for spouse or child of new staff only.

  • Q

    If we do not want the benefit offering under SME Smile insurance plan, what can we do?

    A

    If there are more than 10 staffs, benefit can be set according to the original welfare by using     the calculation method based on provided information in order to create a new quotation

  • Q

    Can premium be changed in the policy renewal year?

    A

    Answer Premium will be reconsidered in the renewal year. To be changed or unchanged, it depends on     claim experience of such year.

  • Q

    If we cut additional coverage of OPD and Dental out in the next policy year, will the policy be canceled?

    A

    Answer The policy will still be effective, if customer signs for policy renewal according to the notice     document of the Company.

  • Q

    Can spouse and child purchase this insurance together? What are the criteria?

    A

    Yes, only health coverage, which is in accordance with staff’s plan. Both the spouse and child     must apply for the insurance and only the spouse or child is not acceptable.

  • Q

    In case you have no claim history for every 3 year, you will receive premium that you paid in policy year 3 back.

    A

    Premium is fixed throughout the contract period.

  • Q

    Is premium fixed?

    A

    Premium is fixed throughout the contract period.

  • Q

    In case encountering accident due to riding or being a passenger on a motorcycle, does this product cover?

    A

    Whether you have an accident from slipping, driving a car or riding a motorcycle which requires hospitalization, we will provide coverage because this product is prepared to take care of you for both illness or injury. You will receive daily compensation benefit in case of hospitalization according to your selected insurance plan. Or if you have to be hospitalized in I.C.U. or receive surgery due to accident, you will receive 2 times of daily compensation benefit.

  • Q

    If the insured has good health on the application date but the insured then has critical illness which never incurs before, will the Company investigate and cancel the coverage?

    A

    Since there is no health question in the application process, the Company is not entitled to void the contract. In this regard, the coverage will be subject to the conditions and exclusions specified in the policy.

  • Q

    If the insured passes away due to illness in the first 2 years, will the insured receive benefit?

    A

    If the insured passes away due to illness in the first 2 years, the Company will pay benefit equal to the amount of paid life insurance premium of Muang Thai Sabai Jai 90/90 Insurance Plan (for Senior), plus additional 2% of the premium. However, if the insured passes away since policy year 3 onwards, the Company will pay the full sum insured of Muang Thai Sabai Jai 90/90 (For Senior) to the beneficiary.

  • Q

    Social media rumor has it that the Company will not cover 9 diseases of senior people. Is it true?

    A

    According to the Post Today newspaper dated 30 November 2015, Mr. Amnart Wongpinitwarodom, Assistant Secretary General Financial Analysis and Examination Development of the Office of Insurance Commission, revealed that if customers apply for life insurance (for Senior) and life insurers do not require customers to declare their health, life insurers shall pay claim as stated in a policy in case customers pass away with no right to refuse. Therefore, such rumor is not true.

  • Q

    If customers have inquiries or need clarification, what contact channels are available?

    A

    Customers can contact the Company through Call Center 24 hours at Tel. 1766 or www.muangthai.co.th or leave a message in inbox of Muang Thai Life Facebook.

  • Q

    Is the paid premium of this campaign eligible for tax deduction?

    A

    Only this life insurance premium is eligible for personal income tax deduction benefit according to the Notification of the Director General of the Revenue Department on Income Tax No. 172 announced on 30 December 2008.

  • Q

    If customers have inquiries or need clarification, what contact channels are available?

    A

    Customers can contact the Company through Call Center 24 hours at Tel. 1766 or www.muangthai.co.th or leave a message in inbox of Muang Thai Life Facebook.