Highlight benefits

Insurable Age

30 days - 70 years old
and coverage is provided until the age of 81

Major or Minor Illnesses

Medical expense covergae of up to 5,000,000 Baht(1) per year

Ongoing Medical Expense Benefit

Get the benefit of up to 5,000 Baht(1) per time after discharge

Enquiry

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Life is uncertain and unpredictable, but, for better protection, you can choose Smart Health Rider, all-in-one coverage for any illnesses.

Insurance conditions

Coverage Period

Until 81 years old; however, it must not exceed the coverage period of the life insurance that this rider is attached to.

Lump Sum Coverage for Inpatients

Coverage for room fee, board expenses, hospital expenses of up to 10,000 Baht(1) per day and get two times benefit upon hospitalization in ICU(2)

Mode of Premium Payment

Annual, semiannual, quarterly and monthly

Kidney Dialysis, Chemotherapy, and Radiation Therapy

Coverage of up to 180,000 Baht(1) per year

Rider Attachment

According to the Company’s rules (as specified)

Remarks

• Coverage period is 1 year and premium payment period is 1 year which the insured can renew until the age of 80. However, it must not exceed the coverage period of the life insurance that this rider is attached to.
• Underwriting is subject to the Company’s rules. 
(1) For plan 5
(2) For ICU treatment, the benefit shall be paid at two times up to 30 days which when accumulated with the benefit of daily room, board expenses, and nursing service fee, this shall not exceed 150 days.

Underwriting criteria : For the insureds aged 30 days - 10 years old, either of their parents must also purchase a life insurance policy attached to at least 1 health rider. Besides, the Company reserves the right to consider it on a case-by-case basis. 

Premium of this rider is entitled personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.

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

Benefit



FAQ

1. What is insurable age and when does the coverage end?
Insurable age is from 30 days-70 years old and the coverage period is provided until the age of 81.

2. Does Smart Health Rider need to be attached to a life insurance policy (base contract)?
Yes, this health rider must be attached to a life insurance policy.

3. After I buy it, 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
Varicose vein Endometriosis

4. Does premium of Smart Health Rider increase based on increasing age range?
Yes, it is based on increasing age range of the insured.

5. Does Smart Health Rider cover room and board fees, daily nursing service fee and hospitalization in Intensive Care Unit (ICU)?
- Yes, it covers. The Company shall pay 2 times the room and board fees, and daily nursing service fee (up to 30 days and when accumulated with the benefit room and board fees, and nursing service fee, this shall not exceed 150 days.)

6. If the insured does not pass away due to illness and is not hospitalized as an inpatient, can the insured claim for allowance in case of death?
- Yes. The Company shall pay 10,000 Baht to a beneficiary as this rider covers death case but it will not cover in case of suicide.

7. Is health checkup required when applying for Smart Health Rider?
- It is subject to the Company’s rules.  

8. Is it entitled to tax deduction? 
-  Yes, it is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.

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