* In case of choosing coverage plan 2,3 or 4
Coverage area (Premium varies based on area.)
The insured can select one of the following coverage areas.
1) Thailand only
2) Asia Only Bangladesh, Bhutan, Brunei, Cambodia, China,
Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, Philippines Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Turkmenistan, Uzbekistan, Vietnam and Thailand
3) Worldwide excluding USA and US Minor Outlying Islands
4) Worldwide

- Elite Health Rider must be attached to a new policy only.
- The coverage of this rider must not exceed the coverage period of the life insurance policy to which this rider is attached.
- ICU room fee when accumulated with the benefits of daily room, board, and nursing service fee shall not exceed 365 days.
- Home medication expenses based on medical necessity for up to 30 days, but not exceeding 100,000 Baht per any hospitalization
- Waiting period for illnesses due to general disease is 30 days.
- Underwriting is subject to the Company’s rules.
- Extra coverage for effects after COVID-19 vaccination is subject to the conditions. The coverage is effective from 11 May - 31 December 2021.
- Premium is eligible for tax deduction. Conditions are as specified by the Revenue Department.
- Conditions of MTL Global Doctors and MTL Global Connect services are as specified by the Company. In this regard, the insured can use the service until the Company changes.
- Please study coverage details, conditions and exclusions before making a decision to purchase insurance.

Q: What are advantages of Elite Health Rider and why do I have to buy it?
A: Elite Health Rider is a lump sum health insurance with high coverage benefit from 20-100 MB per year which will comprehensively satisfy health needs. It covers general diseases, critical illnesses in every stage, epidemics and cancer treatments of chemotherapy and targeted therapy. In addition, you can select the coverage area of your choice in case of overseas medical treatment. You will have no worries about medical expenses with worthwhile premium compared with the coverage you are entitled to. Entry age is from 11-80 years old with long-term coverage period until the age of 99 that gives you peace of mind when you have an illness when getting old.
Read more, click.
 
Q: Who should apply for Elite Health Rider?
A: If you would like to have comprehensive health coverage, Elite Health Rider is for you. It is health insurance with high coverage which is designed for those who want to have no worries about medical expenses. For more information, you can contact the Company’s agents or call Tel. 1766, available 24 hours.
 
Q: What is the coverage of Elite Health Rider?
A: Elite Health Rider provides coverage for daily room fee from 10,000 - 25,000 Baht and ICU room fee paid by actual amount, inpatient benefits, emergency, outpatient benefits(*) and targeted therapy for 24 hours with special services of MTL Global Doctors and MTL Global Connect which will give you comfort in case of any unexpected events.
 
Q: What is the targeted therapy?
A: Cancer is the number one killer in Thailand and the world. Recently, the medical profession has discovered a new cancer treatment to replace chemotherapy and radiotherapy which is targeted therapy. It is the process of precision medicine to prevent the symptom on a cell level – the cause of cancer cell growth and division – thus reduce the side effects from cancer treatments. In addition, it can be used for the elderly who are not strong enough to receive chemotherapy. Its response rate is high at 80%.
 
Source: https://www.samitivejhospitals.com/th/precision-medicine/targeted-therapy/
 
Q: Will it be effective immediately if I buy it?
A: The rider has the 30-day waiting period after the effective date. The following diseases will be covered if they occur 120 days after the effective date: Tumors, cysts, or all types of malignancy/cancer, hemorrhoid, all types of hernia, pterygium or cataract, tonsillectomy or adenoidectomy, all types of stone, varicose vein and endometriosis. Child delivery in a hospital or a medical center, and pre- and post-natal complications will be covered if they occur 280 days after the effective date. Cervical dilation and curettage in a hospital or a medical center in case of miscarriage will be covered if they occur 90 days after the effective date. Annual health checkup will be covered 1 year counting from the effective date or the latest reinstatement date of the rider according to the conditions stated in the contract.

Q: If I buy Elite Health Rider and choose Thailand as the coverage area, will I get covered when falling ill abroad?
A: It provides coverage for 2 cases: Injury due to accident and illness which requires emergency treatment. It must occur within the first 90 days after leaving the coverage area.
 
Q: How can I make a claim request if I choose worldwide excluding USA and US Minor Outlying Islands as the coverage area?
A: You can contact MTL Global Connect by calling Tel. +66 2290 2424 to ask for the network hospitals in the particular area, and the staff will help you to coordinate so you won’t have any worries when getting ill abroad.
 
Q: Is Elite Health Rider eligible for tax deduction?
A: Yes, it is. The premium of this rider is eligible for personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 383.

Remark:
(*)In case of choosing coverage plan 2,3 or 4

Pre-existing conditions which are:

Chronic disease, illness (including its complications) or injury which has not been cured before the effective date or the latest reinstatement date of the rider, whichever is the latest; unless
  - The insured has declared to the Company and the Company has approved to accept risk without exclusions of such coverage; or
  - 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 first rider effective date.

Exclusions of Elite Health Rider from a total of 26 clauses
For example, the rider shall not cover medical expenses or damages from injury or illness (including its complications), conditions, or abnormality that arises from any of the following causes.
1. Chronic disease, illness or injury that has not been cured prior to the insurance contract formation date, treatment for congenital disorder, or delay developmental or genetic disorder
2. Cosmetic surgery or any other treatments for skin beauty purposes, pimple, blemish, and freckles treatment, dandruff and hair fall treatment, or weight control, or elective surgeries, unless it is a skin grafting arising from accident that the rider covers, etc.

Policy Renewal on Anniversary Date
This rider may be renewed when reaching policy anniversary on the date specified in the insurance policy by paying premium on the day of or day before the due date of premium payment according to the Company’s premium rate applicable at that time. The premium rate shall be calculated according to the insured’s age as of the rider renewal date. However, the Company reserves the right to review and adjust the premium rate periodically upon the discretion of the registrar.
The insured has the right to terminate this rider by notifying the Company in writing within 30 days prior to the policy anniversary. Meanwhile, the Company reserves the right not to renew this rider by notifying the insured at least 30 days in advance.

Premium adjustment
The Company shall adjust the premium rate in the policy year according to the insured’s changed age and/or changed occupation at a rate that the Company received approval from the Registrar. In such case, the Company shall notify the insured at least 30 days in advance in writing.

- Any illnesses which exist within 30 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest; or
- Illnesses due to the following diseases which exist within 120 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest.
- Tumors, cysts, or all types of malignancy/cancer- All types of hernia
- Tonsillectomy or adenoidectomy
- Varicose vein- Hemorrhoid- Pterygium or cataract
- All types of stone- Endometriosis    
- Child delivery in a hospital or a medical center, and pre- and post-natal complications within 280 days counting from the effective date or the latest reinstatement date of the rider, whichever is the latest
- Cervical dilation and curettage in a hospital or a medical center in case of miscarriage within 90 days counting from the effective date or the latest reinstatement date of the rider, whichever is the latest.
- Annual health checkup within 1 year counting from the effective date or the latest reinstatement date of the rider, whichever is the latest.