Highlight benefits
OPD Coverage
OPD coverage of up to 30 times per year
No Worries about Expenses
Doctor fees, diagnosis charges and medication expenses
Purchased as Needed
Purchase separately or together with other health insurance
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Whenever you are sick whether it is food poisoning, headache, fever or accidental injury, you will get covered even in the case of non-hospitalization with Outpatient Treatment Rider (OPD) from Muang Thai Life Assurance. It will lessen the burden of outpatient treatment expenses (OPD), doctor fees, diagnosis charges and medication expenses of up to 30 times per year.
Information of Insurance Plans
Entry Age
From 6-80 years old with coverage period until the age of 99
Tax Deductible
Enjoy the tax benefit at the end of the year with eligible amount for tax deduction of up to 25,000 Baht.
Premium Payment
Pay premium on monthly installment.
Coverage and Benefit
| Outpatient Treatment Rider (OPD) Coverage Plan |
Plan 1,000 Baht | Plan 2,000 Baht | Plan 3,000 Baht |
|
Premium |
13 Baht / day | 20 Baht / day | 28 Baht / day |
|
Coverage |
1,000 Baht | 2,000 Baht | 3,000 Baht |
| Outpatient Medical Expense | 1,000 Baht / time (30 times / year) |
2,000 Baht / time (30 times / year) |
3,000 Baht / time (30 times / year) |
| Coverage | Epidemics, critical illnesses in all stages, general diseases, accidental injuries, COVID-19 and effects after COVID-19 vaccination |
||
| Hospitalization | Any hospitals | ||
| Waiting Period | 30 days | ||
- For 35-year-old female insured choosing annual mode of premium payment
Remarks
- Outpatient Treatment Rider 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.
- The insured may receive an OPD treatment once a day, up to 30 times a year. The treatment of a disease or its complication from the same disease is limited to 7 times. However, if ongoing treatment for the same disease is required, but the gap of such treatment from the last treatment is longer than 14 days, it shall be regarded as a treatment of new disease.
- 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.
- The coverage of this rider must not exceed the coverage period of the life insurance policy to which this rider is attached.
- The insured may receive an OPD treatment once a day, up to 30 times a year. The treatment of a disease or its complication from the same disease is limited to 7 times. However, if ongoing treatment for the same disease is required, but the gap of such treatment from the last treatment is longer than 14 days, it shall be regarded as a treatment of new disease.
- 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.
FAQ (Outpatient Treatment Rider : OPD)
Q: What are advantages of Outpatient Treatment Rider (OPD) and why do I have to buy it?
A: The coverage is provided even in the case of non-hospitalization. Outpatient Treatment Rider (OPD) provides OPD coverage for up to 30 times per year including doctor fees, diagnosis charges and medication expenses in case of outpatient treatment. The coverage is provided until the age of 99.
Q: Does Outpatient Treatment Rider (OPD) need to be attached to a base life insurance policy?
A: Yes, it must be attached to a base life insurance policy. For more information, you can contact the Company’s agents or call Tel. 1766, available 24 hours.
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.
The following diseases will be covered if they occur 180 days after the effective date or the latest reinstatement date of the rider according to the conditions stated in the contract:
Thyroid disease, epilepsy, diabetes, allergy, hypertension, heart disease and gastric disease.
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 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 Outpatient Treatment Rider (OPD) 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.
A: The coverage is provided even in the case of non-hospitalization. Outpatient Treatment Rider (OPD) provides OPD coverage for up to 30 times per year including doctor fees, diagnosis charges and medication expenses in case of outpatient treatment. The coverage is provided until the age of 99.
Q: Does Outpatient Treatment Rider (OPD) need to be attached to a base life insurance policy?
A: Yes, it must be attached to a base life insurance policy. For more information, you can contact the Company’s agents or call Tel. 1766, available 24 hours.
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.
The following diseases will be covered if they occur 180 days after the effective date or the latest reinstatement date of the rider according to the conditions stated in the contract:
Thyroid disease, epilepsy, diabetes, allergy, hypertension, heart disease and gastric disease.
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 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 Outpatient Treatment Rider (OPD) 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.
Pre-Existing Conditions and Exclusions
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 reinstatement 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.
Exclusions of Outpatient Treatment Rider from a total of 26 clauses
For example, the rider shall not cover medical expenses or damages from injury or illness (including its complications), conditions, or abnormality that arises 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 delay developmental or genetic disorder
2. Cosmetic surgery or any other treatments for skin beauty purposes, pimple, blemish, and freckles treatment, dandruff and hair fall treatment, or weight control, or elective surgeries, unless it is a skin grafting arising from accident that the rider covers, etc.
Chronic disease, illness (including its complications) or injury which has not been cured before the effective date or the latest reinstatement 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.
Exclusions of Outpatient Treatment Rider from a total of 26 clauses
For example, the rider shall not cover medical expenses or damages from injury or illness (including its complications), conditions, or abnormality that arises 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 delay developmental or genetic disorder
2. Cosmetic surgery or any other treatments for skin beauty purposes, pimple, blemish, and freckles treatment, dandruff and hair fall treatment, or weight control, or elective surgeries, unless it is a skin grafting arising from accident that the rider covers, etc.
Conditions existing during the waiting period
- 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/cancer
- All types of hernia
- Tonsillectomy or adenoidectomy
- Varicose vein
- Hemorrhoid
- Pterygium or cataract
- All types of stone
- Endometriosis
- Illnesses due to the following diseases which exist within 180 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest.
- Thyroid disease
- Epilepsy
- Diabetes
- Allergy
- Hypertension
- Heart disease
- Gastric disease
- 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/cancer
- All types of hernia
- Tonsillectomy or adenoidectomy
- Varicose vein
- Hemorrhoid
- Pterygium or cataract
- All types of stone
- Endometriosis
- Illnesses due to the following diseases which exist within 180 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest.
- Thyroid disease
- Epilepsy
- Diabetes
- Allergy
- Hypertension
- Heart disease
- Gastric disease
Warning : Buyer should have an understanding in the details of coverage and conditions every time before making a decision to purchase insurance.
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