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Health Insurance for your Elite Health

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Benefits and Premium​
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Underwriting Criteria
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เงื่อนไขกรณีที่บริษัทจะไม่คุ้มครอง
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FAQs
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High Coverage*​

From 20 – 100 million Baht/year

 
 

Coverage for Critical Illnesses

Including targeted therapy for cancer treatment

 
 

Coverage for Overseas Treatment

Global coverage area based on your choice

 
 

Coverage Before Getting Sick*​​

Annual health check up, vaccination,
eye care and dental care

 
 

Coverage While Getting Sick

IPD, OPD and emergency patient

 
 

Coverage After Getting Sick*​

Physical therapy and personal nurse

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Apply and Pay Premium

Within 30 June 2020, the insured is entitled to 0% interest for 3- or 10-month installment if the payment is made via Kasikornbank credit card.


​​Apply at Your Nearby Branch

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Benefis and Premium

Benefit Schedule  
Benefit Schedule
Premium Schedule  
Premium Schedule

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Benefit Schedule

BenefitsPlan 1Plan 2Plan 3Plan 4
1. Inpatient benefits
  • Daily room, board, and nursing service fee per any hospitalization (up to 365 days)
 10,000 Baht 12,000 Baht 15,000 Baht 25,000 Baht
  • ICU room fee (up to 365 days); when accumulated with the benefits of daily room, board, and nursing service fee, this shall not exceed 365 days.
 Pay by actual amount Pay by actual amount Pay by actual amount Pay by actual amount
  • Daily physician visit fee and specialist consultation fee
  • Surgeon fee and medical procedures expenses
  • Anesthesiologist and/or nurse anesthetist fee
  • Operating room and operating equipment fee
  • Organ transplantation fee (up to 1 time per lifetime)
  • Other general hospital expenses.
  • Inpatient rehabilitation fee (up to 28 days per disease)
- Pay by actual amount Pay by actual amount Pay by actual amount
  • Psychotherapy for inpatient fee
    • Per disease
    • Per lifetime
--

75,000 Baht
300,000 Baht

100,000 Baht
400,000 Baht

  • Personal nurse according to physician’s suggestion after being hospitalized (up to 40 days per policy year)
- 3,000 Baht per day 4,000 Baht per day 5,000 Baht per day
2. Benefits of medical expense for emergency case
  • Ambulance fee
Pay by actual amount Pay by actual amount Pay by actual amount Pay by actual amount
  • Dentistry expense due to accidental injury
  • Outpatient medical expense due to accident within 24 hours
  • Medical emergency assistance fee
3. Outpatient benefits
  • General practitioner and specialist consultation fee including diagnosis fee and medication expense, up to (per policy year)
- 2,500 Baht per time
(up to 15 times per year)		 5,000 Baht per time
(up to 20 times per year)		 Pay by actual amount
(up to 360 times per year)
  • Acupuncture, naturopathy, chiropractic, and osteopathy, up to (per policy year)
-- 10,000 Baht 40,000 Baht
  • Physical therapy fee
-- Pay by actual amount Pay by actual amount
  • Advanced diagnostic body imaging fee such as magnetic resonance imaging (MRI)
 Pay by actual amount Pay by actual amount Pay by actual amount Pay by actual amount
  • Cancer treatment expenses including chemotherapy, targeted cancer therapy and radiotherapy
  • Kidney dialysis fee
4. Maternity benefits
  • Child delivery expense
    • Natural child delivery, up to (per time)
    • Cesarean Section, up to (per time)
--

90,000 Baht
150,000 Baht

150,000 Baht
200,000 Baht

  • Cervical dilation and curettage fee in case of miscarriage
-- Pay by actual amount Pay by actual amount
  • Expenses due to pre- and post-natal complications
-- Pay by actual amount Pay by actual amount
5. Other medical expense benefits
  • Annual health checkup fee, up to (per policy year)
-- 5,000 Baht 10,000 Baht
  • Vaccination fee, up to (per policy year)
-- 4,000 Baht 6,000 Baht
  • Dentistry fee, up to (per policy year)
-- 10,000 Baht 15,000 Baht
  • Eye care fee, up to (per policy year)
-- 5,000 Baht 7,500 Baht
In this regard, the Company shall pay the benefits No. 1 - No. 5 per policy year, up to20,000,000 Baht40,000,000 Baht75,000,000 Baht100,000,000 Baht
6. Life coverage (Whole Life 99/19 Insurance)* 100,000 Baht 100,000 Baht 100,000 Baht 100,000 Baht
คลิกและเลื่อนเพื่อดูข้อมูล

Remark:

*Life coverage is an example in case the insured purchases 99/19 Whole Life Insurance Plan with sum insured of 100,000 Baht. The insured can purchase Elite Health Rider to attach other life insurance policies.



Coverage area (premium varies based on area.)

 

Able to choose 1 coverage area Thailand, Asia, Worldwide, excluding, USA, Worldwide.

Insurance Table

Example of annual premium for the first year.

Male

Age
(Years)		Plan 1Plan 2Plan 3Plan 4
ThailandAsiaWorld
wide
excluding
USA		World
wide		ThailandAsiaWorld
wide
excluding
USA		World
wide		ThailandAsiaWorld
wide
excluding
USA		World
wide		ThailandAsiaWorld
wide
excluding
USA		World
wide
3024,23526,52029,38645,13032,76736,12640,60574,79959,22765,29772,595148,022105,061116,001126,923223,648
4033,35136,53140,06359,57344,95749,36453,86796,43875,85383,60691,268181,938130,787144,368157,830282,623
5048,83053,53758,76875,63763,81170,09976,686130,37199,027109,116119,772230,231151,649167,322182,746340,401
6077,85585,43993,868121,049102,357112,523123,269207,816147,188162,169178,966349,312209,703231,310252,300477,849
คลิกและเลื่อนเพื่อดูข้อมูล

Female

Age
(Years)		Plan 1Plan 2Plan 3Plan 4
ThailandAsiaWorld
wide
excluding
USA		World
wide		ThailandAsiaWorld
wide
excluding
USA		World
wide		ThailandAsiaWorld
wide
excluding
USA		World
wide		ThailandAsiaWorld
wide
excluding
USA		World
wide
3023,89026,17529,04144,78532,42235,78140,26074,45458,88264,95272,250147,677104,716115,656126,578223,303
4032,90536,08539,61759,12744,51148,91853,42195,99275,40783,16090,822181,492130,341143,922157,384282,177
5048,23052,93758,16875,03763,21169,49976,086129,77198,427108,516119,172229,631151,049166,722182,146339,801
6076,97084,55492,983120,164101,472111,638122,384206,931146,303161,284178,081348,427208,818230,425251,415476,964
คลิกและเลื่อนเพื่อดูข้อมูล

Remarks:

  • The premium stated above is the total premium of the campaign (Whole Life 99/19 Insurance + Elite Health Rider) in case of 100,000 Baht sum insured.
  • Premium of Elite Health Rider may vary based on age, health and/or occupation of the insured. The Company reserves the right to review and adjust the premium rate occasionally according to the the approval of the Registrar (OIC).
  • Premium for occupation groups 1 and 2 only.
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Underwriting Criteria

Insurable age.18-80 years old.
Coverage PeriodEntry age is from 18-80 years old. The coverage is provided until the age of 99. However, it must not exceed the coverage period of the life insurance policy that this rider is attached to.
Premium Payment ModeAnnual, semiannual, quarterly and monthly
Tax deductionYes

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Guide to Insurance Application

Citizen's Guide to Insurance Application via Bank

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FAQs

What is the entry age of Elite Health Rider application?

Entry age is 18 years old - 80 years old and the coverage is provided until the age of 99.

How many contracts of Elite Health Rider that the insured can purchase?

The insured can purchase only 1 contract of Elite Health Rider only.

What are the coverage areas of Elite Health Rider?

There are 4 coverage areas i.e. Thailand only, Asia, Worldwide except USA and US Minor Outlying Islands, and Worldwide.

What are countries under the Asia coverage area of Elite Health Rider?

"Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives, Mongolia, Myanmar, Nepal, Pakistan, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Turkmenistan, Uzbekistan, Vietnam and Thailand"

What is the minimum sum insured of the main insurance plan that Elite Health Rider is attached to?

Minimum sum insured of the main insurance plan for the rider attachment is 100,000 Baht and it must not be lower than minimum sum insured stated in the conditions of each main insurance plan.

How many days of the waiting period for non-injury hospitalization coverage under Elite Health Rider?

Waiting period is 30 days from the effective date or the latest reinstatement date of the rider, whichever is the latest, except tumors, cysts or all types of cancer, hemorrhoids, all types of hernia, pterygium or cataract, tonsillectomy or adenoidectomy, all types of stones, varicose vein, and endometriosis that the waiting period is 120 days.

If the insured purchases Elite Health Rider with Thailand coverage area, can the insured get international emergency assistance service?

The insured can get the international emergency assistance service if the insured travels abroad and travel period is not over 90 days per time.

Can the insured change the coverage area from Thailand only to Asia after the insured purchased Elite Health Rider?

Yes, but the insured needs to fill in a request to change the coverage area of the rider and submits new health declaration.

Can the insured change the coverage plan from 75 million Baht to 20 million Baht after the insured purchased Elite Health Rider?

Yes, the insured simply fills in a request to change the coverage plan of the rider only.


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For more information: Health Care Center

Muang Thai Life Assurance
 Contact : Tel. 02-2749400
 After hours: Tel. 1766

 

Apply for Elite Health Insurance

Contact: All branches of Kasikornbank

Search Branches

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Exclusions

Exclusions

  • Pre-existing conditions which are Chronic disease, illness (including its complications) or injury which has not been cured before the effective date or the latest reinstatement date of the rider, whichever is the latest; unless
    • The insured has declared to the Company and the Company has approved to accept risk without exclusions of such coverage; or
    • This rider has been effective for at least 3 years consecutively where such chronic disease, injury or illness (including its complications) is asymptomatic and has not been treated or diagnosed by a physician, or has not been seen or consulted by a physician within 5 years before the first rider effective date.
  • Conditions existing during the waiting period which are
  • Any illnesses which exist within 30 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest; or
  • Illnesses due to the following diseases which exist within 120 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest.
    • Tumors, cysts, or all types of cancer
    • All types of hernia
    • Tonsillectomy or adenoidectomy
    • Varicose vein
    • Hemorrhoids
    • Pterygium or cataract
    • All types of stone
    • Endometriosis
  • Child delivery in a hospital or a medical center, and pre- and post-natal complications within 280 days counting from the effective date or the latest reinstatement date of the rider, whichever is the latest.
  • Cervical dilation and curettage in a hospital or a medical center in case of miscarriage within 90 days counting from the effective date or the latest reinstatement date of the rider, whichever is the latest.
  • Annual health checkup within 1 year counting from the effective date or the latest reinstatement date of the rider, whichever is the latest.
  • Exclusions of Elite Health Rider from a total of 26 clauses For example, the rider shall not cover medical expenses or damages from injury or illness (including its complications), conditions, or abnormality that arises from any of the following causes.
    • Chronic disease, illness or injury that has not been cured prior to the insurance contract formation date, treatment for congenital disorder, or developmental delay or genetic disorder
    • Cosmetic surgery or any other treatments for skin beauty purposes, pimple, blemish, and freckles treatment, dandruff and hair fall treatment, or weight control, or elective surgeries, except for reconstructive surgery required due to an accident under the coverage, etc.
Service Provider

Life Insurer

Muang Thai Life Assurance Public Company Limited.

Life Insurance Broker

Kasikornbank Public Company Limited as a juristic broker
with license No. Chor00024/2546

Remarks:*

  • Elite Health Rider shall be attached to a new insurance policy only.
  • Premium of this rider is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.
  • Kasikornbank PCL, as a life insurance broker, presents life insurance products and facilitates payment of premium only. Muang Thai Life Assurance Public Company Limited is responsible for the coverage conditions, and entitled benefits according to the insurance policy conditions.
  • Terms of Service of Best Doctor and MTL Global Connect are as specified by the Company. In this regard, the insured can use the service until further notice by the Company.

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


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