Highlight benefits

All-in-One Policy

Medication fee, physician fee, surgery fee(1)

Cover Actual Medical Treatment Expenses

Smooth business regardless of illness

Tax Deductible

Premium is entitled for tax deduction according to the Revenue Department.

Enquiry

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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.
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We need you to fully run your business and feel relieved of medical expenses regardless of welfare. SME Khum Sure Campaign, the lump sum life and health insurance by Muang Thai Life Assurance, is ready to take care of your illnesses, physician fee, medication fee and room fee. This all-in-one policy is designed to fulfill health security with reachable premium.

Insurance conditions

Worthwhile…for Smooth Business

Lump sum limit for hospitalization of up to 375,000 Baht/year(2)

Treatment Anywhere

Local and international treatment without advance payment required(3)

Worth Every Baht....Affordable Premium

Starts from hundreds Baht a month(4)

Insurable age

15 – 55 years old.

Remarks

(1) Lump sum coverage in case of inpatient  based on actual expense, but not exceeding the chosen coverage plan
(2) For plan 2
(3) In case of local treatment, an identification card must be presented to network hospitals only. In case of international treatment, it is subject to the entitled right.
(4) For 15-40 years old male and female insureds choosing plan 1

Conditions and coverage are as stated in the insurance policy.
Underwriting is subject to the Company’s rules.

>> Underwriting is subject to the Company’s rules.
>> Conditions and exclusions are as stated in the insurance policy.
>> SME Khum Sure Campaign is a marketing name of 10/10 Term Insurance and Lump Sum Health Rider.

*One-time hospitalization means having a need to be hospitalized for treatment as an inpatient, and would include having a need to be hospitalized for two times or more due to the cause or disease or complications from the same disease; whereby the period for each needed hospitalization is not over 90 days apart, counting from the last discharge date, which shall be regarded as the same hospitalization.

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

Validity of insurance contract

In case that the insured knowingly makes false statement or knowingly omits to disclose any fact to the Company for acknowledgement while applying for the insurance, where if the Company had known of such fact, the Company may be induced to charge higher premium or refuse to enter into the insurance contract, then this insurance contract will be voidable according to Section 865 of the Civil and Commercial Code which the Company has the right to void the insurance contract and not to make any policy payment.

Premium of this insurance contract is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 172 and No. 315.

Underwriting Criteria

1. Coverage period and premium payment period 10/10 Term Insurance: 10 years
Lump Sum Health Rider: 1 year 
(Premium payment is available until the age of 64 and coverage is provided until the age of 65.)
2. Insurable age is 15 - 55 years and coverage is provided until the age of 65.
3. Mode of premium payment
: Annual, semiannual, quarterly, and monthly
4. Health checkup: Not required (The health declaration is considered as apart of underwriting or insurance proceeds payment consideration.)

Example of Lump Sum Health Rider Coverage

Healthy 30-year-old female insured
chooses plan 1 with monthly premium payment of 764 Baht and
lump sum medical expense coverage of 50,000 Baht per time which is up to 250,000 Baht per year.


In case of hospitalization
• Normal patient room: Receive coverage for daily room and nursing service fee of up to 2,000 Baht per day (up to 120 days)
• ICU room: Pay by actual amount


√ Physician’s daily visit fee   
√ Surgeon and medical procedures expenses per hospitalization
√ Anesthesiologist fee
√ Operating room and equipment expenses
√ Home medication according to medical necessity up to 7 days; however, it must not exceed 1,000 Baht per each hospitalization
√ Physical therapy expense
√ Other general hospital expenses

Exclusions of Lump Sum Health Rider with 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 developmental delay or genetic disorder
2.AIDS, or venereal disease or sexually transmitted diseases, etc.
Remark: Benefits, conditions and coverage in detail shall be in accordance with the provisions and the conditions stated in the insurance policy.
Warning: Buyer should have an understanding in the details of coverage and conditions before making a decision to purchase insurance every time.




FAQ

1. What is insurable age and when does the coverage end?
- Insurable age is from 15-55 years old and the coverage period is provided until the age of 65.

2. Does SME Khum Sure need to be attached to a life insurance policy (base contract)?
- No, because SME Khum Sure is a package consisting of 1) Term insurance 10/10  2) Lump sum health rider

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 lump sum health rider increase based on increasing age range?
- Yes, it is based on increasing age range of the insured (it might be increased or decreased in some age range).

5.  What expenses are covered under lump sum health rider? 
- Physician’s daily visit fee
- Surgeon fee and medical procedure expenses
- Anesthesiologist fee
- Operating room and medical equipment fee
- Room and board fees, daily nursing service fee, hospitalization in Intensive Care Unit (ICU)
- Other medical fees while being hospitalized as an inpatient

6. Does a lump sum 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 the benefit according to actual expense but not exceeding the limit specified per any hospitalization.

7. Is health checkup required when applying for lump sum 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. 172 and 315.

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