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Accident insurance specially selected for women offering protection for both minor or major accident with coverage starting from 200,000 Baht to maximum of 10 million Baht (1) and superior service, emergency assistance service (SOS)(2).
คำเตือน : โปรดศึกษารายละเอียดความคุ้มครอง เงื่อนไข และข้อยกเว้นก่อนตัดสินใจทำประกันภัย
(1) It depends on the selected coverage plan
(2) SOS service is available only for coverage plans 3-7.
(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) 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 on Income Tax No. 383.
- 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 Smart Lady PA?
A: Plan 1 200,000 Baht : the insurable age is 30 days - 75 years.
Plan 2 500,000 Baht : the insurable age is 30 days - 75 years.
Plan 3 1,000,000 Baht : the insurable age is 30 days - 75 years.
Plan 4 1,500,000 Baht : the insurable age is 16 - 75 years.
Plan 5 2,000,000 Baht : the insurable age is 16 - 75 years.
Plan 6 5,000,000 Baht : the insurable age is 16 - 75 years.
Plan 7 10,000,000 Baht : the insurable age is 16 - 60 years.
In this regard, underwriting is subject to the Company’s rules.
Q: Do occupational classes affect underwriting of Smart Lady PA?
A: Occupations class does impact underwriting of Smart Lady PA; the Company shall provide coverage only for those in occupational classes 1and 2 as follows:
- 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: No, it is not. However, the applicants are required to declare their actual health information to the Company. Underwriting is subject to the Company’s rules.
Q: Can other riders be attached to this insurance plan?
A: No, they cannot.
Q: Is this insurance plan eligible for tax deduction?
A: Yes, it is partially eligible for tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 383.
Q: What does the coverage of Smart Lady PA include?
A:It provides coverage for death, dismemberment, loss of eyesight, loss of hearing, loss of speech, and permanent disability as well as compensation for actual medical coverage but not exceeding the medical expense limit for each accident and daily compensation benefit during hospitalization as purchased (Plan 6 and Plan 7). The causes may be accidents as well as murder or assault. The coverage is extended for motorcycle accidents, whether as drivers or passengers, the Company shall provide the coverage, 24/7 worldwide, for the period of 1 year.
Q: Does Smart Lady PA provide coverage for a motorcycle accident due to riding or traveling as a passenger on a motorcycle?
A: The insured will receive the coverage for death, dismemberment, loss of eyesight, loss of hearing, loss of speech, and permanent disability from being a driver or a passenger on motorcycle, including compensation for actual medical expenses but not exceeding the medical expense limit for each accident.
Q: In case of being hospitalized in hospitals or medical centers, is advance payment required?
A: No, it is not. Advance payment is not required when Easy PA Credit Card 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 (for Plan 6 and Plan 7)?
A: In case 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 schedule.
Q: What are the exclusions of the coverage?
A: Exclusions of Smart Lady PA from a total of 20 clauses
For example, the rider shall not cover any loss or damages due to or a result of either of the following 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. Back pain as a result of Disc Herniation, Spondylolisthesis, Degenerative Disc Disease, Spondylosis and defect, or Pars Interarticularis (Spondylolysis), unless there is fracture or dislocation of the spine caused by accident.
4. War, invasion, 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.
Exclusions of Smart Lady PA include a total of 20 clauses
For example, the rider shall not cover any loss or damages due to or a result of either 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” is 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 and defect, or Pars Interarticularis (Spondylolysis), unless there is fracture or dislocation of the spine caused by accident.
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.
Buyer should have an understanding in details of the coverage and conditions before making a decision to purchase an insurance every time.