Highlight benefits

Receive OPD Coverage

Up to 30 times per year

Complete Coverage

Including doctor's fees, disagnosis charges, or medical expenses

The Right Rider

This OPD rider is not required to be purchased together with IPD coverage.


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"Nobody wants to be hospitalized," be it illnesses or abrupt accidental injuries, we are ready to take care of you with OPD rider from Muang Thai Life Assurance that covers doctor's fees, medical charges, and others for OPD cases, enabling you to live confidently. Be it minor or major illnesses, we are always by your side.

Insurance conditions

Insurable Age

Insurable age is 6 - 80 years old which can be coverage until 99 years old.

Mode of Premium Payment

Annual, semiannual, quarterly and monthly

Medical Check Up

Subject to the Company Rule


According to the Notification of the Director-General of the Revenue Department on Income Tax No. 383
- Conditions and exclusions are as stated in the insurance policy.
- Underwriting is subject to the Company’s rules. 

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


การประกันภัยตามสัญญาเพิ่มเติมนี้ไม่คุ้มครอง ค่าใช้จ่ายจากการรักษาพยาบาลหรือความเสียหายที่เกิดจากการบาดเจ็บหรือเจ็บป่วย(รวมทั้งโรคแทรกซ้อน) อาการ หรือภาวะความผิดปกติที่เกิดจาก
1. โรคเรื้อรัง การเจ็บป่วยหรือการบาดเจ็บที่ยังมิได้รักษาให้หายก่อนวันทำสัญญาประกันภัย การตรวจรักษาภาวะที่เป็นมาแต่กำเนิด (Congenital) หรือปัญหาด้านพัฒนาการ หรือโรคทางพันธุกรรม
2. การตรวจรักษาหรือการผ่าตัดเพื่อเสริมสวย หรือการแก้ไขปัญหาผิวพรรณ สิว ฝ้า กระ รังแค ผมร่วง หรือการควบคุมน้ำหนักตัว หรือการผ่าตัดอันมีลักษณะเลือกได้ เว้นแต่เป็นการตกแต่งบาดแผลอันเนื่องมาจากอุบัติเหตุที่ได้รับความคุ้มครอง เป็นต้น


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.

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