Highlight benefits
Receive OPD Coverage
Complete Coverage
The Right Rider
Insurance conditions
Insurable Age
Mode of Premium Payment
Medical Check Up
Remarks
– 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.)
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.
FAQ
Q: What is insurable age and when does the coverage end?
A: Insurable age is from 6-80 years and the coverage is provided until the age of 99.
Q: Does OPD Rider need to be attached to a base life insurance policy?
A: Yes, it must be attached to a base life insurance policy.
Q: 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 | Hemorrhoid |
| All types of hernia | Pterygium or cataract |
| Tonsillectomy or adenoidectomy | All types of stones |
| Varicose vein | Endometriosis |
The following diseases will be covered if they occur 180 days after reinstatement or the effective date of this rider.
| Thyroid disease | Epilepsy |
| Diabetes | Allergy |
| Hypertension | Heart disease |
| Gastric disease |
Q: Does the premium of OPD Rider increase based on increasing age of the insured?
A: Yes, the premium increases based on increasing age of the insured.
Q: Is health checkup required?
A: For insurance application, the applicant must truthfully declare the health information in the application form to the Company. However, health checkup is according to the Company’s rules.
Q: Is premium of this rider entitled to tax deduction?
A: Yes, 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.