* In case of choosing coverage plan 3
- Mao Chai Extra Campaign is a marketing name of Extra Care Rider (N).
- Extra Care Rider (N) must be attached to a policy which is still in force only.
- The coverage of this rider must not exceed the coverage period of the life insurance policy to which this rider is attached.
- Room, board, and service fees for up to 180 days per any hospitalization
- ICU room fee for up to 15 days per any hospitalization
- Home medication expenses based on medical necessity for up to 7 days, but not exceeding 1,000 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.
- Please study coverage details, conditions and exclusions before making a decision to purchase insurance.
Q: Warranty period and how long is the coverage period?
A: Insurance can be made from the age of 11-90 years and will be covered until the age of 99 years.
Q: What are advantages of Mao Chai Extra Campaign and why do I have to buy it?
A: Mao Chai Extra Campaign provides lump sum coverage based on actual amount. It covers both illness and surgery for critical illnesses and general diseases of up to 500,000 Baht per any hospitalization (*). You can get coverage with affordable premium, and hospitalization at any hospital with additional room fee of 4,000 Baht per day(*).
Q: Who should apply for Mao Chai Extra Campaign?
A: It is suitable for freelancers or fresh graduates who do not have medical welfare or would like to have additional health coverage. Mao Chai Extra Campaign will give peace of mind and lighten burden of medical expenses in case of unexpected events.
Q: What is coverage of Mao Chai Extra Campaign?
A: Mao Chai Extra Campaign provides lump sum coverage based on actual amount for daily room, board, and nursing service fees for both illness and surgery in case of inpatient hospitalization. It covers critical illnesses and general diseases up to 500,000 Baht per any hospitalization (*), additional room fee of 4,000 Baht per day(*) and doubled amount for ICU hospitalization (up to 120 days when combined).
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 or the latest reinstatement date of the rider according to the conditions stated in the contract:
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
Q: Does the premium of Mao Chai Extra Campaign increase based on increasing age of the insured?
A: Yes, the premium increases based on increasing age of the insured.
Q: Is Mao Chai Extra Campaign 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 3
Pre-existing Condition
The Company shall not pay benefit under this rider for chronic disease, illness (including complications) or injury that is not cured before the effective date of this rider, unless
1) The insured has declared to the Company’s acknowledgment and the Company agrees to accept the risk without imposing exclusions to the coverage, or
2) 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 a physician within 5 years before the initial effective date of this rider, and within 3 years from the initial effective date of this rider.
Exclusions of Extra Care Rider(N) from a total of 21 clauses
For Example, The rider shall not cover medical expenses or damages that incurred from injury or illness (including its complications), conditions, or abnormality that arise from:
- 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
- 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/cance
- All types of hernia
- Tonsillectomy or adenoidectomy
- Varicose vein
- Hemorrhoid
- Pterygium or cataract
- All types of stone
- Endometriosis
Buyers should understand the details, coverage and conditions before deciding to make insurance every time.
