Highlight benefits

Great Worthiness

Life coverage of up to 3,000,000 Baht(1) in a case of death due to public accident

Ultimate Worthiness

Coverage for medical treatment expense due to accident of up to 25,000 Baht(2) without advance payment(3)

Impressive Worthiness

Daily compensation benefit of up to 2,500 Baht(2) in case of hospitalization due to accident and double benefit in case of I.C.U hospitalization

Enquiry

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 We truly realize the seniors still wish to live their lives the fullest. We offer the insurance plan with life and accident coverage which helps lighten the burden of medical treatment expenses due to accident with life coverage of up to 3,000,000 Baht(1) for a case of death due to public accident and daily compensation benefit in case of hospitalization due to accident of up to 2,500 Baht(2). With the coverage with ultimate worthiness, the worries can be eased and they can enjoy their lives with happiness.

Insurance conditions

Coverage Period

- Muang Thai Sabai Jai 90/90 (for seniors) : attaining the age of 90
- Sabai Jai Personal Accident Rider (for seniors) : 1 year (Coverage period is until the age of 76.)

Premium Payment Period

- Muang Thai Sabai Jai 90/90 (for seniors) : attaining the age of 90
- Sabai Jai Personal Accident Rider (for seniors) : 1 year (Premium payment period is until the age of 75.)

Mode of Premium Payment

 Annual and monthly

Medical Checkup

No medical checkup and health questions required

Rider Attachment

Unable to purchase rider

Tax Deductible

Receive tax benefit(5)

- Life coverage is up to 3,000,000 Baht(1) for a case of death due to public accident (including a coverage of Muang Thai Sabai Chai 90/90 (for seniors) of 1,000,000 Baht and coverage of Sabai Chai Personal Accident Rider (for seniors) of 2,000,000 Baht).
- In case of death due to illness in the first 2 policy years, payable benefit is equivalent to the paid insurance premium of Muang Thai Sabai Chai 90/90 (for seniors) plus additional 2% of the premium. In case of death from policy year 3 onwards or the insured is alive upon the contract maturity, the insured shall receive the full sum insured of Muang Thai Sabai Chai 90/90 (for seniors).
- Receive coverage for medical treatment expense due to accident is up to 25,000 Baht(2) by presenting the insured card without advance payment(3).
- Daily compensation benefit in case of hospitalization due to accident is up to 2,500 Baht(2) with a maximum of 365 days and the benefit will be increased to 2 times for I.C.U. hospitalization with a maximum of 7 days(4).
- Premium varies based on gender, age and selected coverage plan. Monthly premium mode is applicable.

Payment / Benefits

Remarks

(1) For plan 6 from policy year 3 onwards
(2) For plan 5 and 6, it is the coverage of Sabai Jai Personal Accident Rider (for seniors). 
(3) Present an insured card together with an identification card at a network hospital only.
(4) The Company shall pay daily compensation benefit during hospitalization totaling up to 356 days per each injury.
(5) Only insurance premium for life coverage of Muang Thai Sa Bai Jai 90/90 (for seniors) Insurance Plan is eliglble for personal income tax deduction according to the Notification of the Director-General of the Revenue Department concerning Income Tax No. 172.

- Conditions and exclusions are as stated in the insurance policy.
- Underwriting is subject to the Company's rules.

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

Underwriting criteria

1. Term of insurance and term of premium payment
    Muang Thai Sabai Chai 90/90 (for seniors) insurance plan : Attaining the age of 90
    Sabai Chai personal accident rider (for seniors) : 1 year
    (Premium payment period is until the age of 75 and the coverage is provided until the age of 76)
2. Insurable age : 50 – 75 years old
3. Premium payment : Annual and monthly
4. Medical checkup : No medical checkup and no health questions

Complete insurance contract

In the event that the insured already knows And false statement Or already know what the actual message is But did not disclose the actual message to the company while requesting insurance Which if the company Know the actual message and may motivate the company To call that higher premium or refusing to make a contract The insurance contract will be void according to Section 865, which the company may tell to clear the contract. And not paying according to the policy Company liability Will only return all premiums paid to the company

Exclusion

1. In case the insured commits suicide by applying within 1 year from the effective date of protection according to the policy Or according to renewal Or according to the return to the status of the last policy Or the date the company Approved to increase the sum insured However, only in the amount of additional insured amount


2. In case the insured is intentionally killed by the beneficiary


3. In the event that the insured declares the wrong age and the company proves that while the insurance contract is valid, the actual age is outside the premium rate limit according to the normal trade of the company.


Exclusions of Muang Thai Sabai Chai 90/90 (for seniors) Insurance Plan in case of death from accident

From a total of 14 clauses
For example, the contract shall not cover death from accident due to any of the following causes.  
1. Being murdered or being physically assaulted intentionally
2.War (whether declared or undeclared), invasion, act of foreign enemies, civil war, revolution, rebellion, insurrection, riot, strike, terrorism, etc.

Exclusions of Sabai Chai Personal Accident Rider (for seniors)

From a total of 20 clauses
For example, the rider shall not cover loss, death, dismemberment, loss of eyesight, loss of hearing, loss of speech, permanent disability, and medical treatment due to any of the following causes.
1. Acts of the insured while under the influence of alcohol, narcotic drugs or narcotic substances that impairs the insured’s 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.Change or wear denture, dental crown, prosthodontics, etc.

FAQ

Q: If the insured has good health on the application date but the insured then has critical illness which never incurs before, will the Company investigate and cancel the coverage?
A: Since there is no health question in the application process, the Company is not entitled to void the contract. In this regard, the coverage will be subject to the conditions and exclusions specified in the policy.

Q: If the insured passes away due to illness in the first 2 years, will the insured receive benefit?
A:If the insured passes away due to illness in the first 2 years, the Company will pay benefit equal to the amount of paid life insurance premium of Muang Thai Sabai Chai 90/90 Insurance Plan (for seniors), plus additional 2% of the premium. However, if the insured passes away since policy year 3 onwards, the Company will pay the full sum insured of Muang Thai Sabai Chai 90/90 (For seniors) to the beneficiary.

Q:Social media rumor has it that the Company will not cover 9 diseases of senior people. Is it true?
A:According to the Post Today newspaper dated 30 November 2015, Mr. Amnart Wongpinitwarodom, Assistant Secretary General Financial Analysis and Examination Development of the Office of Insurance Commission, revealed that if customers apply for life insurance (for seniors) and life insurers do not require customers to declare their health, life insurers shall pay claim as stated in a policy in case customers pass away with no right to refuse. Therefore, such rumor is not true.

Q:If customers have inquiries or need clarification, what contact channels are available? 
A:Customers can contact the Company through Call Center 24 hours at Tel. 1766 or www.muangthai.co.th or leave a message in inbox of Muang Thai Life Facebook.

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

All plans

Plan 1

Sum Insured
1000000THB
Start 1656.00 THB/Month
Protection Period 20 Years
Death Coverage 180,000 THB
The maximum benefit per year 180,000 THB

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