Highlight benefits
Complete lump sum coverage
Lump sum amount since the first Bath
Maximum lump sum amount
Insurance conditions
Right lump sum coverage
Worthwhile lump sum coverage
Insurable Age
Coverage period
Mode of premium payment
Remarks
(2) For plans 2 and 3
(3) For healthy insureds aged 11 - 20 years old
Mao Chai Extra Campaign is a marketing name of Extra Care Rider.
- Underwriting is subject to the Company’s rules.
- Premium of this insurance contract is eligible for personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.
- Extra Care Rider must be attached to policies in force.
- Conditions of MTL Global Connect are as specified by the Company.
Warning: Buyers should study coverage details and conditions before deciding to purchase insurance every time.
Exclusions of Extra Care Rider from a total of 26 clauses
This rider shall not cover medical expenses or damages from injuries or illnesses (including its complications), conditions, or abnormality arising 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 pervasive developmental disorder or genetic disorder
2.Cosmetic surgery or treatment or any other treatments for skin beauty purposes, pimple, blemish, and freckle treatments, dandruff and hair fall treatment, or weight control, or elective surgeries, unless it is a skin grafting arising from an accident that the rider covers, etc.
Waiting period
(a) Not cover any illness which incurs within 30 days from the effective date or the latest date of renewal of the rider, whichever is the latest.
(b) Not cover any illness due to the following diseases or abnormality (including its complications) which incurs within 120 days from the effective date or the latest date of renewal of the rider, whichever is the latest.
1. Tumors, cysts, or all types of cancer
2. Hemorrhoid
3. All types of hernia
4. Pterygium or cataract
5. Tonsillectomy or adenoidectomy
6. All types of stone
7. Varicose vein
8. Endometriosis
Warning
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 |
11,500 |
13,200 |
13,485 |
|
Example Annual insurance premium |
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.
FAQ
1. What is the insurable age and when does the coverage end?
- Insurable age is from 11-70 years old and the coverage period is provided until the age of 81.
2. Does Mao Chai Extra Campaign need to be attached to a base life insurance policy?
- Mao Chai Extra campaign is a marketing name of Extra Care Rider and it must be attached to a base life insurance policy.
3. Will it be effective immediately?
Illnesses must occur 30 days after the effective date of this rider.
The following diseases will be covered if they occur 120 days after reinstatement or the effective date of this rider: Tumors, cysts or all types of cancer, hemorrhoids, all types of hernia, pterygium or cataract, tonsillectomy or adenoidectomy, all types of stones, or varicose vein and endometriosis.
4. Does the premium of Mao Chai Extra Campaign increase based on increasing age of the insured?
Yes, the premium increases based on increasing age of the insured.
5. What is the medical coverage of Mao Chai Extra Campaign besides room fees?
- Physician visit fee, surgeon fee and medical procedures expenses, anesthesiologist fee, operating room and medical equipment fee and other medical expenses arising during hospitalization as an inpatient, and many more
6. Does Mao Chai Extra Campaign cover daily benefit of room, board and nursing service fee in case of hospitalization in Intensive Care Unit (ICU)?
Yes, the Company shall pay 2 times the daily benefit of room, board and nursing service for a maximum of 7 days. Combined with daily benefit of room, board and nursing service, total benefit will be paid for up to a maximum of 120 days.
7.When should I purchase Mao Chai Extra Campaign?
- You should purchase it when you are still healthy, otherwise it can be too late when you fall ill.
8. Is health checkup required?
- It is subject to the Company’s rules.
9. Is premium of this rider entitled to tax deduction?
- Yes, the 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. 315.