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

Enquiry

Please leave us your information. We will contact you as soon as possible

I hereby agree and give my consent to Muang Thai Life Assurance Public Company Limited to collect and use my given information to disclose such information to life insurance agents, life insurance brokers, and business partners for the purposes of sale offering of life insurance plans and/or proposing other privileges to me.
For existing customer you can contact
  • 24 Hour Service
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.

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.

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.

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
Warning : Buyer should have an understanding in the details of coverage and conditions every time before making a decision to purchase insurance.

Interested in this product.

Click download our brochures to see more information.

Related Products

Life Protection

Hundreds Baht of Premium with Coverage Worth Millions(1)

Pay for 20 years to Receive Coverage Until Attaining the Age of 99

Deliver security to your family and loved ones through whole life insurance which will be by your side at every moment by paying premium for 20 years and receiving coverage until attaining the age of 99.

Life Protection

Short payment for long coverage and cash bonus throughout the contract period

Pay 7 years for coverage until attaining the age of 99

Providing financial security to 3 generations from only one policy

Critical Illness

Multiple CI Rider

Maximum 400% coverage for critical illnesses(1)

Get coverage for 35 critical illnesses to ease your mind in time of sickness. You may stop paying premium instantly yet receive continuos coverage for the remaining critical illness groups for 10 years more.

We use cookies to enhance your visit to our site and to bring you advertisements that might interest you. Read our Privacy Policy to learn how to manage cookies on this site.

Accept