Highlight benefits

Maximum Coverage of 2,000,000 Baht*

In case of death from accident

Maximum Daily Compensation Benefit of 1,095,000 Baht Per Year*

3,000 Baht per day and for up to 365 days in case of hospitalization due to accident  

Maximum Coverage for Medical Treatment of 30,000 Baht*

In case of accident 

Enquiry

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“Live Your Life to the Fullest With No Worry of Stumbling Income” Accident insurance “PA Sabai Chai Campaign” by Muang Thai Life Assurance is created to relieve your burden from hospitalization by providing you daily compensation benefit of up to 1,095,000 Baht* per year.*  It also provides life coverage of up to 2,000,000 Baht* and coverage for medical treatment based on actual amount of up to 30,000 Baht.*

Insurance conditions

Premium Payment Period

1 Year

Coverage Period

1 Year

Mode of Premium Payment

Annual premium payment - 2 options

Payment via credit card and Line Pay
- Only for purchase for oneself and a child who is a minor.

Health Check Up

Not required

Rider Attachment

Not allowed

Exclusions of PA Sabai Chai Online insurance plan from a total of 20 clauses

For example, the rider shall not cover any loss or damage which arises from or is a result of any of the following causes.

1. Act of the insured while under the influence of alcohol, narcotic drug or narcotic substance that impairs the mental faculty. The term “under the influence of alcohol” in case of having blood alcohol concentration (BAC) test result of 150 mg/dL or over.  
2. Suicide, suicide attempt or self-inflicted injury  
3. Back pain as a result of Disc Herniation, Spondylolisthesis, Degenerative disc disease, Spondylosis, Spondylitis, and Spondylolysis unless there is fracture or dislocation of the spine caused byaccident  
4. War, invasion, act of foreign enemies, or warlike actions whether declared or undeclared, or civil war, insurrection, rebellion, riot, strike, civil commotion, revolution, coup d’etat, proclamation of martial law or any incident causing the proclamation or maintenance of martial law

5. Terrorism, etc.  

Underwriting is subject to the rules specified by the Company.

Benefits conditions, and coverage in detail are subject to the provision and conditions stated in the insurance policy.
- Premium of this insurance contract is partially entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.

Remark

The Company shall not underwrite a person whose occupation is exposed to high risk for accident such as skyscraper window cleaner, professional boxer, wrestler, motorcycle taxi driver, 10-wheeler truck driver, fireman, acrobat, stunt man, jockey, horse trainer and groomer, animal trainer, diver, worker stationing at wild park, forest (in forest), police and soldier (field operation).


*For plan 4

You will receive Easy PA Credit Card used for identity verification which is required to be presented together with an identification card or a card issued by the government (with photo) to receive medical treatment due to accident at network hospitals without advance payment according to the medical expense limit you selected. In case the insured is not convenient to receive medical treatment at a network hospital, the insured can receive treatment from another hospital by making advance payment. Then, the insured can reimburse from the Company by submitting a medical certificate and an original receipt.

Warning

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

FAQ

Q: What is the insurable age for PA Sabai Jai?
A: Plan 1 500,000 Baht : the insurable age is 1 month - 70 years; occupational classes 1-2 are insurable.
Plan 2 1,000,000 Baht : the insurable age is 1 month - 70 years; occupational classes 1-2 are insurable.
Plan 3 1,500,000 Baht : the insurable age is 16 - 70 years; occupational classes 1-2 are insurable.
Plan 4 2,000,000 Baht : the insurable age is 16 - 60 years; occupational classes 1-2 are insurable.

Q: Do occupational classes affect underwriting?
A: Nature of occupations does impact PA underwriting; for PA Sabayjai, the Company shall provide coverage only for those in occupational classes 1 and 2 as follow:
- Occupational 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 craftsmanship with no involvement in machinery; the nature of work contains low risks.
- Occupational 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: The applicants are required to declare their actual health information to the Company; it is subject to the Company’s rules whether health checkup is required.

Q: Can other riders be attached to this?
A: They cannot be attached to the insurance policy.


Q: Is the premium of this rider 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. 315.

Q: How is the coverage of this insurance plan?
A: PA Sabai Jai provides coverage for death claim, dismemberment, loss of eyesight, loss of hearing, loss of speech, and disabilities as well as compensation for actual medical coverage but not exceeding the medical expense limit for each accident. The causes may be accidents as well as murder or assault. The coverage is extended for cases of personal car accidents or passengers of public transportation (Plan 2), the Company shall provide the said coverage 24/7 worldwide for the period of 1 year.

Q: Does PA Sabai Jai provide coverage for car accidents?
A: The insured receives the coverage for death claim, dismemberment, loss of eyesight, loss of hearing, loss of speech, and permanent disabilities as a driver or a passenger of motorbike, including compensation for actual medical expenses but not exceeding the medical expense limit for each accident.

Q: In case of hospitalization into hospitals or medical centers, is advance payment required?

A: No advance payment is required when Easy PA Credit is presented to receive treatments from network hospitals according to your chosen medical expense limit.
In case the insured cannot receive the treatment from network hospitals, the insured can be hospitalized in any hospitals and make advance payment and then submit the medical certificate and the original copy of receipt to the Company.

Q: Under what circumstances can the insured request for compensation during hospitalization?
A: In case that the insured is hospitalized for at least 6 hours as inpatient and diagnosed and consulted by a physician in accordance with medical standards, the Company shall pay daily compensation benefit for hospitalization according to the policy table.

Q: What are the exclusions of PA Sabai Jai?
A: Exclusions of PA Sabai Jai comprise of 20 clauses:
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. Back pain as a result of Disc herniation, Spondylolisthesis, Degenerative disc disease, Spondylosis, Defect, Spondylolysis, unless there is fracture or dislocation of the spine caused by accident
4. War, invasion, or act of foreign enemy or warlike act whether declared or undeclared, or civil war, rebellion, insurgent, riot, strike, insurrection, revolution, coup d'etat, proclamation of martial law, or any other incidents causing the proclamation or maintenance of martial law
5. Terrorism, etc.

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

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