Highlight benefits

Complete lump sum coverage

for both illness and surgery

Lump sum amount since the first Bath

up to 500,000 Baht per any hospitalization(1)

Maximum lump sum amount

to receive room fees in addition to the coverage amount, specifically up to 4,000 Baht per day(2), with the doubled amount for ICU hospitalization

Enquiry

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Why do you have to worry about medical expenses even in time of sickness. Regardless of welfare, stay happy, with health coverage from Mao Chai Extra Campaign from Muang Thai Life Assurance that could help ease the burden of medical expenses, with the care provided from the first Baht of hospitalization. Even without welfare, you can still receive inclusive coverage. Let's make the matter easy for you.

Insurance conditions

Right lump sum coverage

with affordable premium, starting from a few hundred Baht per month(3)

Worthwhile lump sum coverage

with insurance premium entitled to tax deduction

Insurable Age

11 – 70 years old

Coverage period

until 81 years old; however, it must not exceed the coverage period of the life insurance that this rider is attached to.

Mode of premium payment

annual, semiannual, quarterly and monthly

Benefit

Coverage schedule

The Company shall pay the benefit for the necessary and reasonable expenses which arise from medical treatments based on medical necessity and medical standard according to the coverage schedule.

Coverage

Coverage Plan

Plan 1

Plan 2

Plan 3

1. Daily room, board, and nursing service fee, up to 120 days per any hospitalization*

2,000

4,000

4,000

2. Other medical treatment expenses that are not daily room, board, and nursing service per any hospitalization*

200,000

200,000

500,000

Example Annual insurance premium
for a healthy male aged 35 years old

11,500

13,200

13,485

Example Annual insurance premium
for a healthy female aged 35 years old

12,800

15,000

15,265


Remark:

*Any hospitalization means a stay in a hospital as an inpatient for medical treatment, including two or more stays in a hospital due to the same cause or disease or complications of the same disease, where the gap between each hospitalization shall not exceed 90 days from the last discharge date, and the treatments shall be considered as the same hospitalization.

 

Remarks

- This rider shall be attached to new policy only.

– Underwriting is subject to the Company’s rules.

– Conditions and exclusions are as stated in the insurance policy.

– Insurable age is 11 – 80 years old.

– Coverage period is 1 year. Premium payment period is 1 year. The insured can renew until the age of 98; however, it must not exceed coverage period of the life insurance policy that this rider is attached to.

– Terms of Service of MTL Global Doctors and MTL Global Connect are as specified by the Company. In this regard, the insured can use the service until the Company changes.

– 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.

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

Exception

For example,

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 renewal 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.

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.

- 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 renewal 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 renewal date of the rider, whichever is the latest.

- Annual health checkup within 1 year counting from the effective date or the latest renewal date of the rider, whichever is the latest.

Interested in this product.

Click download our brochures to see more information.

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