Highlight benefits

Premium Starts From Only 390 Baht/Year(2)

Affordable premium

Require At Least 3 Insureds

For protection

No Need to Be Juristic Person

To purchase protection

"Isn't It Good to Better Take Care of Each Other" Give Super Cool Insurance to your housemaids, gardeners or drivers that requires at least 3 employees and premium starts from only 390 Baht/year(2). Get daily compensation benefit of 300 Baht/day(4) in case of hospitalization due to illness, and you can purchase additional coverage as you wish such as OPD coverage with benefit limit of 1,000 Baht/day or group accident insurance.



Insurance conditions

Able to Purchase Additional Coverage

OPD benefit or group accident insurance

Advance Payment Is Not Required

Present Health Care Card to receive treatment based on the coverage(3)

300-Baht Daily Compensation Benefit(4)

Get compensation while being admitted due to illness

Remarks

(1) For aliens who receive legal work permit in Thailand
(2) For 30-year-old female who purchases Super Cool 1: Group Health Insurance Rider (Daily Hospitalization Benefit)
(3) In case of purchasing Super Cool2: Hospital and Surgical Group Voluntary Health Insurance Rider
(4) In case of purchasing Super Cool 1: Group Health Insurance Rider (Daily Hospitalization Benefit)

Underwriting Conditions

• At least 3 insureds are required and risk must not exceed oppucation class 2.
• All insureds must purchase the same coverage/plan.
• For Hospital and Surgical Group Voluntary Health Insurance Rider, insurable age is 16-69 years old and the coverage is provided until the age of 70. 
• For Group Health Insurance Rider (Daily Hospitalization Benefit), insurable age is 16-59 years old and the coverage is provided until the age of 60.
• Conditions are as specified by Muang Thai Life Assurance Public Company Limited.


Remark: Buyers should have an understanding in the details of coverage and conditions before making a decision to purchase insurance every time.

Exclusions

1. In case that the policyholder and/or the insured knowingly makes false statement or knowingly omits to disclose any fact to the Company for acknowledgement while applying for the insurance, this insurance contract will be voidable which the Company has the right to void the insurance contract and not to make any insurance contract payment.
2. In case the insured voluntarily commits suicide within one year from the insurance participation date or is murdered intentionally by the beneficiary.
3. In case the insured declares an incorrect age which leads to the insurance approval where the insured is not entitled to be assured or is lack of insurable characteristics.  Remark: Buyers should have an understanding in the details of coverage and conditions before making a decision to purchase insurance every time.

Exclusions

Group Term Life Insurance excludes coverage for suicide or murder. The Company shall not pay benefit according to this insurance policy, if:
1. The insured voluntarily commits suicide within one year from the insurance participation date;
2. The insured is murdered intentionally by the beneficiary.

Super Cool Package 1: Group Health Insurance Rider (Daily Hospitalization Benefit) 
Exclusions of the rider with a total of 11 clauses

For example, the Company shall not provide coverage for any expenses arising from any of the following causes.
1. Pre-existing chronic disease before insurance formation such as hemorrhoids, sinus, hepatitis, stomach disease, asthma, and others which have not been cured
2. Rest recovery
3. Dental care except accident causes injury to natural teeth
4. Myopia, astigmatism and purchase of optical aid devices or hearing devices
5. Cosmetic surgery, anterior vaginal wall repair, sterilization, etc.

Super Cool Package 2: Hospital and Surgical Group Voluntary Health Insurance Rider
Exclusions of the rider with a total of 26 clauses

For example, the Company shall not provide coverage for medical expenses or damages from injury or illness (including its complications), conditions, or abnormalities that arise from any of the following causes.
1. Chronic disease, illness or injury that has not been cured prior to the rider effective date, diagnosis and/or treatment for congenital disease or development disorder, or genetic disorder
2. Cosmetic surgery or any other treatments for skin beauty purposes, pimple, blemish, freckle, dandruff, hair fall or weight control, or elective surgeries, with exception to skin grafting arising from accident that the rider covers
3. Pregnancy, miscarriage, abortion, childbirth, any pregnancy complications, infertility resolution (including diagnosis and treatment), sterilization or birth control
4. AIDS, or venereal disease, or sexually transmitted diseases

Waiting Period

Maid Insurance Package 1: Waiting Period
Not cover illnesses or diseases that insureds/insured members have within 30 days from the effective date or renewal date of this rider, whichever is the latest.

Maid Insurance Package 2: Waiting Period
1. Not cover any illness which incurs within 30 days from the latest effective date of this rider for the insured
2. Not cover the following illnesses which incur within 120 days from the latest effective date of this rider for the insured
- Tumors, cysts, or all types of malignancy/cancer
- Hemorrhoids
- All types of hernia
- Pterygium or cataract
- Tonsillectomy or adenoidectomy
- All types of stone
- Varicose vein
- Endometriosis

Pre-existing Conditions

The Company shall not pay benefit under this rider for chronic disease, illness (including its complications) or injury which has not been cured prior to the effective date of the rider for the insured, unless
(a) The insured has declared to the Company and the Company has approved to accept risk without exclusions of such coverage; or
(b) This rider has been effective for at least 3 years consecutively where such chronic disease, injury or illness (including its complications) is asymptomatic and has not been treated or diagnosed by a physician, or has not been seen or consulted by a physician within 5 years before the latest effective date of this rider for the insured.
- Pterygium or cataract
- Tonsillectomy or adenoidectomy
- All types of hernia
- Varicose vein
- Endometriosis

Optional Coverage for Additional Purchase

Voluntary Group OPD Endorsement (In Case of Additional Purchase)
Voluntary Group OPD Endorsement applies the same coverage provisions and exclusions of Group Health Insurance Rider (Daily Hospitalization Benefit) for Super Cool Package 1 or Hospital and Surgical Group Voluntary Health Insurance Rider for Super Cool Package 2 that this endorsement is attached to including waiting period, pre-existing conditions, and exclusions.

Additional Waiting Period
For OPD treatment, the Company shall not cover any injury or illness which incur within 180 days
from the effective date of this endorsement which is due to the following diseases or abnormalities (including its complications).
- Thyroid disease
- Epilepsy
- Diabetes
- Allergy
- Hypertension
– Heart Disease
- Stomach disease
This includes waiting period, coverage provisions and exclusions of health rider that this in force endorsement is attached to.

Group Accident Rider 2 and Accidental Treatment Expense Rider (in case of additional purchase)

- Group Accident Rider 2 with exclusions of 14 clauses
For example, this rider shall not cover death, dismemberment and loss of eyesight due to any of the following causes.
1. Being murdered or assaulted intentionally
2. War (whether declared or undeclared), invasion or act of foreign enemy, civil war, revolution, rebellion, insurrection, riot, strike, act of terrorist
3. While the insured is hunting in a forest, engaging in car or boat racing of any kind, horse racing, skiing or ski racing of any kind, skating competition, boxing, parachuting (except for the purpose of life saving), while boarding or disembarking or traveling in a balloon or gliding, bungee jumping, mountain climbing that needs climbing tools, diving by using oxygen tank and breathing apparatus
4. While the insured is boarding or disembarking or on board an aircraft which is not registered to carry passengers and does not operate as a commercial airline, piloting or operating as a crew member in any aircraft.
5. Act of the insured while under the influence of alcohol, narcotic drugs or addictive substances that impairs the mental faculty. The term “under the influence of alcohol” is in case of having blood alcohol concentration (BAC) test result of 150 mg/dL or over. etc.

- Accidental Treatment Expense Rider with exclusions of 10 clauses
For example, the Company shall not cover losses due to any of the following causes.
1. War (whether declared or undeclared)
2. While the insured/insured member is hunting in a forest, car racing, boat racing or horse racing, water skiing, skating, parachuting, polo playing, professional boxer
3. Act of the insured/insured member that causes accident while under the influence of alcohol, or dangerous narcotic drug that impairs the insured’s mental faculty 
4. Suicide, attempted suicide or self-inflicted injury
5. Exposure to bacteria unless it is disease infection with pus or tetanus or rabies as a result of accident wound, etc.

Enquiry

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I hereby agree and give my consent to Muang Thai Life Assurance Public Company Limited to collect and use my given information to disclose such information to life insurance agents, life insurance brokers, and business partners for the purposes of sale offering of life insurance plans and/or proposing other privileges to me.
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