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Health Care Protect

​​​​​​​​​​​​​Inpatients and outpatients,
actual expense coverage.​

Insurance coverage for medical expenses.​​

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4 coverage plans.

For inpatients and/or outpatients.


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​​​

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Insurance Details

CoverageBenefits (Baht)
Plan 1Plan 2Plan 3Plan 4
1. Medical expenses in case of inpatient (IPD) from accident and illness    
  • Maximum coverage per year
200,000200,000500,000500,000
  • Maximum coverage for medical treatment per 1 disease or accident
20,00020,00050,00050,000
  • Room, food, and nursing expenses
  • ICU and nursing expenses per day
  • General medical expenses
  • Surgeon/anesthetist fees
  • Physician's fee/diagnosis fee/ medical specialist's fee
Per actual expensePer actual expensePer actual expensePer actual expense
2. Medical expenses for outpatients from accident and illness
(1 time per day, maximum 30 times per year)
Not in the coverage500Not in the coverage
1,500
Age (Year)
Premium​ ​(Baht)
14 Days - 6 Years7,58811,68817,73829,938
7 - 20 Years2,7884,4886,73811,738
21 - 40 Years3,4885,4886,93814,338
41 - 60 Years4,5888,08811,33821,938
​61 - 70 Years7,08810,98817,60829,508

Remarks:

  • Immediate coverage for accident
  • Does not cover any illness (general diseases) occurring within 30 days after the policy becomes effective for the first time
  • Does not cover 8 specific diseases occurring in a period of 120 days after the policy becomes effective for the first time
  • Details of coverage and terms are as stated in the policy. Please thoroughly study the details of coverage, terms and conditions before purchasing
Non-Life Insurance Providers

Non-Life Insurance Company

Muang Thai Insurance Public Company Limited

Insurance Broker

Kasikornbank Public Company Limited as the brokerage firm, License no. Wor. 00002/2547

Remarks:

  • KASIKORNBANK PCL, as an insurance broker, offers non-life insurance products and facilitates the payment of premiums only. The company will be responsible for insurance in terms of coverage and benefits under the conditions specified in the insurance policy
  • The buyer should thoroughly study the details of coverage, terms and conditions before purchasing​

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Insurance conditions

Limitation of age

  • The newly insured must be aged between 14 and 70 years old; the insurance can be renewed for applicants up to 70 years old
  • The insured aged between 14 days to 15 years old and from 60 to 70 years old can apply for no more than one insurance policy
  • The insured aged between 16 and 59 years old can apply for 2 insurance policies of which the second policy will be considered on a case by case basis by Muang Thai Insurance

Rejected occupations considered as high risk

  • Occupations related to ships, ports, and waterways, including sailors, fishermen, divers, underwater workers, dockers working at a port, port warehouse workers, stevedores, and laborers building, renovating, repairing, or destroying ships
  • Workers working in factories or workers storing, packaging, or transporting explosives, fireworks, gunpowder, or nitroglycerin gas, especially in gas tanks
  • Construction workers building or doing construction work or maintenance on dams, bridges, or tunnels
  • Miners working underground or in mines; workers doing demolition work such as the demolition of a building; cleaners of windows on high-rise buildings; technicians installing television antennas; technicians installing high-voltage electricity; workers in sawmills; or sawyers or logging workers on oil rigs
  • Professional athletes attending competitions such as boxing, parachute jumping, ballooning, bungee jumping, and climbing
  • Acrobatic stuntmen, taxi motorcyclists, and general transport drivers
    (Apart from professions considered high risk, please contact us for more information)

Foreigners

  • All foreigners who have stayed in Thailand for at least one year and are very likely to continue to stay
  • If such foreigners are working in Thailand, please indicate their careers
  • If a foreigner is not working in Thailand, he or she must be married to a Thai citizen and have stayed in Thailand for more than one year
  • Insurance for foreigners who are travelers is not permitted
  • Other terms and conditions are based on the standard policy

Supporting documents for insurance consideration

  • Copy of the first page of the applicant's passport and the page with the entry stamp and valid work permit or visa
  • Copy of a marriage certificate (if married to a Thai citizen)
  • Copy of house registration (if any)


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Frequently Asked Questions

The coverage does not limit the number of claims, but each claim needs to be within the sum insured?

Inpatient - no limit for treatment but must not exceed sum insured amount.

The maximum numbers of claims are 30 claims ​per year, and not more than 7 claims for one illness.

Does hospitalization get compensation?

There is no compensation coverage for hospitalization.

Does the coverage cover surgery and medicine expenses?

The coverage covers surgery and medicine expenses, because these are included as part of the treatment (per actual expense).

Does the policy cover all diseases? If not, what diseases are covered?

The policy covers all diseases that are not listed in the exclusion and pre-​​existing conditions, based on the definitions specified in the insurance policy.

Can the premium be paid in installments?

This would be determined according to the bank’s regulations.


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