Highlight benefits
Affordable Premium
Coverage for Medical Expenses that Exceed Existing Coverage
Coverage for Patient Room
Insurance conditions
Insurable Age
Coverage Period
Mode of Premium Payment
Tax Deductible
Remarks
(2) For plan 1, healthy insureds aged between 18-20 years old
Extra Care Plus Campaign is a marketing name of Extra Care Rider (N).
- Underwriting is subject to the Company’s rules.
- Premium of this rider is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 383.
- Extra Care Rider (N) must be attached to the policies in force.
- Terms of Service of MTL Global Connect are as specified by the Company
Warning: Buyer should have an understanding in the details of coverage and conditions every time before making a decision to purchase insurance.
Exclusions of Extra Care Rider (N) from a total of 21 clauses
- Cosmetic surgery or any other diagnosis or treatments for skin beauty purposes, pimple, blemish, and freckles treatment, dandruff and hair fall treatment, or weight control, or elective surgeries, except for reconstructive surgery required after an accident incurred whilst the rider is effective
- General medical checkup, individual request for admission in a hospital,or individual request for surgery, rest recovery or rest cure, or hospitalization with assistant, diagnosis or treatment which is not directly related to the illness that is the reason of hospitalization, diagnosis of injury or illness, treatment or diagnosis to find a cause which is not a medical necessity or not based on medical standard
- Diagnosis and treatments of ophthalmic disorders and LASIK surgeries, expenses on visual aids or treatment of vision abnormality
-Treatment or rehabilitation for narcotic substance, cigarette, alcohol or psychotropic substances
- Diagnosis and treatment other than conventional medicine, including alternative medicine
Conditions existing during the waiting period which are:
- Any illnesses which exist within 30 days counting from the effective date or the latest date of renewal 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 renewal of the rider, whichever is the latest.
1. Tumors, cysts, or all types of malignancy/cancer 2.All types of hernia 3.Tonsillectomy or adenoidectomy 4.Varicose vein 5.Hemorrhoid
6.Pterygium or cataract 7.All types of stone 8. Endometriosis
Warning
Buyer should have an understanding in the details of coverage and conditions every time before making a decision to purchase insurance.
Benefit
FAQ
1. What is insurable age and when does the coverage end?
- Insurable age is from 18-75 years old and the coverage period is provided until the age of 81.
2. Does Extra Care Rider (N) need to be attached to a life insurance policy (base contract)?
Yes, this health rider must be attached to a life insurance policy.
3. After I buy it, will it be effective immediately?
- Any illnesses which exist within 30 days counting from the effective date or the latest date of renewal 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 renewal 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
4. Does premium of Extra Care Rider (N) increase based on increasing age range?
Yes, it is based on increasing age range of the insured.
5. What is deductible?
It is the amount of expenses paid by the insured, other welfare or other policies (if any). Extra Care Rider (N) will cover the amount exceeding the deductible amount. The limit is in accordance with a chosen plan.
6. Does Extra Care Rider (N) cover room and board fees, daily hospital fee, and hospitalization in Intensive Care Unit (ICU)?
Yes, it covers up to 15 days. When accumulated with the benefit of daily room and board fees, this shall not exceed 120 days. The Company shall pay 2 times the room and board fees, and daily hospital fee.
7. Is health checkup required when applying for Extra Care Rider (N)?
It is subject to the Company’s rules.
8. Is it entitled to tax deduction?
Yes, it is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 383.