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Have fun to the max. Complete with your favorite extreme sports, whether boxing, diving, jet skiing, parachute, etc., they are covered 24 hours a day worldwide with PA Extreme accident insurance from Muang Thai Life Assurance. Coverage that allows you to not worry about medical expenses in case of accidents from extreme sports(1) up to 50,000 baht per occurrence(2) and coverage in case of death or disability. from extreme sports(1) up to 1,000,000 baht(4) without advance payment You can be confident in any extreme you want.
(1) Extreme sports mean dangerous sports according to the attachment of personal accident insurance policy which are racing of all kinds of car, boat, horse, ski including jet ski, skate competition, boxing, parachuting (except for the purpose of life saving), boarding or disembarking or traveling in a hot-air balloon or gliding, bungee jumping, diving with oxygen tank and breathing apparatus.
(2) For coverage plan 2-3
(3) Just present Easy PA Credit Card for identity verification to receive medical treatment due to accident at network hospitals without advance payment according the medical expense limit you selected. The insured is required to present Easy PA Credit Card together with an identification card or a card issued by government (with photo) every time. In case the insured is not convenient to receive medical treatment at a network hospital, the insured can receive treatment at another hospital by making advance payment. Then, the insured can reimburse from the Company by submitting a medical certificate and an original receipt.
(4) For coverage plan 3
(5) Death, total and permanent disability, dismemberment due to public accident
- Premium of this insurance contract is partially eligible for personal income tax deduction according to the Notification of the Director General of the Revenue Department.
- Conditions and exclusions are as stated in the insurance policy.
- Underwriting is subject to the Company’s rules.
Q: What is the insurable age for PA Extreme?
A: The insurable age is 16 - 60 years.
Underwriting is subject to the Company's rules.
Q: Underwriting is subject to the Company’s rules.
A:Nature of occupations does affect PA Extreme underwriting. The Company shall provide coverage only for those in occupation classes 1 and 2 as follows:
- Occupation class 1 includes business owners, those working in services or management, office workers, or salespersons in businesses or trades, most of which are stationed in offices as well as work of craftmenship with no involvement in machinery; the nature of work contains low risks.
- Occupation class 2 includes business owners, those working in services or management, office workers, or salespersons in businesses or trades requiring occasional offsite work, or those working in the industrial field, most of which require expertise in whole or in part and sometimes involve the use of machinery or how the workers need to work outdoor almost all the time; the nature of work contains moderate risks.
Q: Is health checkup required?
A: Health checkup is not required. However, the applicant must truthfully declare the health information to the Company. Health checkup is according to the Company’s rules.
Q: Can other riders be attached to this insurance plan?
A: No, they cannot be attached to the policy.
Q: Is premium of this insurance plan entitled to tax deduction?
A: Yes, it is partially entitled to tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 383.
Q: What does coverage of this insurance plan include?
A: It provides coverage for death, dismemberment, loss of eyesight, loss of hearing, loss of speech, and permanent disability as well as coverage for medical expense compensation according to actual expense, but not exceeding the maximum medical expense compensation per accident, due to accident as well as being murdered or being assaulted. The coverage is extended for motorcycle accident, public accident and accident from extreme sports. The Company shall provide the coverage, 24/7 worldwide, for the period of 1 year.
Q: What extreme sports are covered?
A: Extreme sport is any extreme sport specified in the attachment of personal accident insurance policy comprising car or boat racing of every type, horse or ski racing of every type including jet skiing, skate racing, boxing, parachuting (except for the purpose of life saving), while boarding or disembarking or traveling in a ballon or a glider, bungee jumping and diving by using oxygen tank or breathing apparatus.
Q: Does PA Extreme provide coverage for a motorcycle accident due to riding or traveling as a passenger on a motorcycle?
A: The insured will recieve the coverage for death, dismemberment, loss of eyesight, loss of hearing, loss of speech, and permanent disability from being a rider or a passenger of motorcycle as well as coverage for medical expense compensation according to actual expense, but not exceeding the maximum medical expense compensation per accident.
Q: In case of hospitalization at a hospital or a medical center, is advance payment required?
A: No advance payment is required when Easy PA Credit Card is presented to recieve medical treatment at a network hospital according to your chosen medical expense limit.
In case the insured is not convenient to receive medical treatment at a network hospital, the insured can receive the treatment at another hospital by making advance payment. Then, the insured can reimburse from the Company by submitting a medical certificate with an original receipt.
Q: What are the exclusions of the coverage?
A:Exclusions of PA Extreme are from a total of 18 clauses. For example, it shall not cover any loss or damages due to or a result of either of the follwing causes:
1. Actions of the insured while under the influence of alcohol, narcotic drugs or addictive substances that impair the insured’s mental faculty, by the term “under the influence of alcohol,” it is in case of having blood alcohol concentration(BAC) test result of 150 mg/dL or over
2. Suicide, suicide attempts, or self-inflicted injuries
3. Exposure to germs or parasitic infections with exception to disease infection or tetanus or rabies as a result of accidental wound
4. Medical or surgical treatment unless it is necessary to carry out such treatment due to injury which is entitled to receive coverage under this insurance plan and is carried out within the period specified in the insurance policy
5. Miscarriage
Details of SOS special services are as follows:
1. Medical supporting services in the country and abroard include the urgent medical referral services, the telemedicine service, and the service for information on medical centers, doctor appointments, etc.
2. Supporting services for travelling overseas include the global VISA information service, the services related to luggage or its loss, and the service for information about embassies, currency exchange rates, essential vaccines, and the global weather forecast.
Exclusions of PA Extreme are from a total of 18 clauses. For example, it shall not cover any loss or damages due to or a result of either of the follwing causes:
1. Actions of the insured while under the influence of alcohol, narcotic drugs or addictive substances that impair the insured’s mental faculty, by the term “under the influence of alcohol,” it is in case of having blood alcohol concentration(BAC) test result of 150 mg/dL or over
2. Suicide, suicide attempts, or self-inflicted injuries
3. Exposure to germs or parasitic infections with exception to disease infection or tetanus or rabies as a result of accidental wound
4. Medical or surgical treatment unless it is necessary to carry out such treatment due to injury which is entitled to receive coverage under this insurance plan and is carried out within the period specified in the insurance policy
5. Miscarriage
Buyer should have an understanding in details of the coverage and conditions before making a decision to purchase an insurance every time.
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