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Health Insurance for your Elite Health
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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
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 Underwriting Criteria
| Insurable age. | 18-80 years old. |
| Coverage Period | Entry 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 Mode | Annual, semiannual, quarterly and monthly |
| Tax deduction | Yes
|
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 InsurerMuang Thai Life Assurance Public Company Limited. | Life Insurance BrokerKasikornbank 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.
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.
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
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