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Sick But Safe Insure
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ครอบคลุมโรคร้ายแรงโรคทั่วไป
และ Covid - 19 สูงสุด 5 แสนบาท*
เบี้ยเริ่มต้นวันละ 13 บาท
Highlight
Privilege
Receive E-voucher of Tesco Lotus or 7-11
Worth 100 Baht
(only for online application)
Covid - 19
Get COVID-19 coverage
Maximum Medical Expense and Room Fee Coverage
Maximum medical expense coverage of 500,000 Baht/ time*
Maximum room fee coverage of 4,000 Baht
Option
Get first Baht coverage
Or 20,000 Baht deductible option**
Affordable Premium
Start from 13 Baht per day
Claimable Amount
No advance payment, just present a Care Card
Privilege
For customers who receive salary via Kasikornbank
Every 2,000 Baht of premium
Receive E-voucher of Tesco Lotus or 7-11
Worth 100 Baht
| Insurable age | |
| Premium payment mode | |
| Sum insured | 50,000 Baht (fixed amount) |
| Tax deductible | |
| Credit card payment | |
Remarks:
- * For plans Man Chai 1 and Man Chai 2
- * It is according to the measure of additional tax deduction from health insurance premium. However, once combined with life insurance premium, it must not exceed 100,000 Baht. This is subject to the Revenue Department.
Premium Schedule
Example of monthly premium for the first year
| Age | Reassuring 1 | Reassuring 2 | Comforting 1 | Comforting 2 | Ensuring 1 | Ensuring 2 |
| (Years) | Male | Female | Male | Female | Male | Female | Male | Female | Male | Female | Male | Female |
| 21 | 385 | 470 | 1,001 | 1,202 | 535 | 660 | 1,149 | 1,400 | 700 | 870 | 1,164 | 1,424 |
| 30 | 395 | 485 | 1,011 | 1,217 | 545 | 675 | 1,159 | 1,415 | 710 | 885 | 1,174 | 1,439 |
| 35 | 435 | 490 | 1,105 | 1,222 | 580 | 680 | 1,258 | 1,420 | 774 | 890 | 1,284 | 1,444 |
| 40 | 485 | 540 | 1,244 | 1,355 | 645 | 740 | 1,452 | 1,592 | 870 | 977 | 1,488 | 1,635 |
| 45 | 525 | 615 | 1,340 | 1,583 | 690 | 845 | 1,574 | 1,817 | 937 | 1,115 | 1,628 | 1,867 |
| 50 | 590 | 725 | 1,566 | 1,822 | 770 | 995 | 1,779 | 2,111 | 1,053 | 1,312 | 1,840 | 2,192 |
| 55 | 735 | 815 | 1,970 | 2,152 | 955 | 1,105 | 2,239 | 2,486 | 1,313 | 1,477 | 2,318 | 2,524 |
| 60 | 1,055 | 895 | 2,820 | 2,263 | 1,335 | 1,185 | 3,135 | 2,577 | 1,749 | 1,557 | 3,205 | 2,661 |
Remarks:
- Premium stated above is total premium of the campaign (Whole Life 99/ 99 + Extra Care Health Rider).
- Premium of Extra Care Health Rider varies based on age range.
- Underwriting is subject to the Company's rules.
- Premium for occupation groups 1 and 2 only
Example of annual premium for the first year
| Age | Reassuring 1 | Reassuring 2 | Comforting 1 | Comforting 2 | Ensuring 1 | Ensuring 2 |
| (Years) | Male | Female | Male | Female | Male | Female | Male | Female | Male | Female | Male | Female |
| 21 | 4,302 | 5,247 | 11,142 | 13,375 | 5,968 | 7,358 | 12,790 | 15,575 | 7,799 | 9,686 | 12,947 | 15,840 |
| 30 | 4,382 | 5,382 | 11,222 | 13,510 | 6,048 | 7,493 | 12,870 | 15,710 | 7,879 | 9,821 | 13,027 | 15,975 |
| 35 | 4,826 | 5,437 | 12,265 | 13,565 | 6,437 | 7,548 | 13,965 | 15,765 | 8,583 | 9,876 | 14,250 | 16,030 |
| 40 | 5,391 | 6,002 | 13,820 | 15,047 | 7,168 | 8,224 | 16,130 | 17,680 | 9,668 | 10,851 | 16,530 | 18,165 |
| 45 | 5,854 | 6,854 | 14,905 | 17,606 | 7,688 | 9,410 | 17,505 | 20,205 | 10,427 | 12,403 | 18,105 | 20,763 |
| 50 | 6,561 | 8,050 | 17,400 | 20,242 | 8,561 | 11,061 | 19,764 | 23,460 | 11,704 | 14,577 | 20,449 | 24,350 |
| 55 | 8,169 | 9,064 | 21,890 | 23,911 | 10,604 | 12,287 | 24,881 | 27,625 | 14,585 | 16,420 | 25,755 | 28,044 |
| 60 | 11,752 | 9,924 | 31,360 | 25,122 | 14,865 | 13,147 | 34,865 | 28,612 | 19,460 | 17,280 | 35,640 | 29,538 |
Remarks:
- Premium stated above is total premium of the campaign (Whole Life 99/ 99 + Extra Care Health Rider).
- Premium of Extra Care Health Rider varies based on age range.
- Underwriting is subject to the Company's rules.
- Premium for occupation groups 1 and 2 only
Coverage Conditions
- IPD medical expense coverage of up to 500,000 Baht/ time (unlimited times)
- Room fee coverage of up to 4,000 Baht which is addition to IPD coverage limit.
- First Baht coverage or deductible of 20,000 Baht
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Validity of Insurance Contract
- In case that the insured knowingly makes false statement or knowingly omits to disclose any fact to the Company for acknowledgement while applying for the insurance, where if the Company had known of such fact, the Company may be induced to charge higher premium or refuse to enter into the insurance contract, then this insurance contract will be voidable according to Section 865 of the Civil and Commercial Code which the Company has the right to void the insurance contract and not to make any policy payment.
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- In case the insured voluntarily commits suicide within one year from the effective date or the latest date of renewal or reinstatement of the insurance policy.
- In case the insured is murdered intentionally by the beneficiary.
- In case the insured declares an incorrect age and the Company can prove that at the time of insurance contract formation, the actual age is outside the premium rate limit according to the normal business practice of the Company.
Waiting period 30-day waiting period • Medical treatment which is not due to injury 120-day waiting period • Tumors, cysts, or all types of cancer • Hemorrhoids • All types of hernia • Pterygium or cataract • Tonsillectomy or adenoidectomy • All types of stones • Varicose vein • Endometriosis Waiting period Chronic disease, illness (including its complications) or injury that has not been cured prior to the insurance contract formation date or the latest renewal date. Except • The insured has notified the Company and the Company agrees to accept the risk without imposing exclusions to the coverage. • This rider is effective for not less than 3 consecutive years. The chronic disease, injury or illness (including its complications) is asymptomatic and it receives no treatment, nor diagnosis from physician, nor physician visit, nor consultation with physician within 5 years before the first effective date of the rider.
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| Service Providers |
|---|
Life InsurerMuang Thai Life Assurance Public Company Limited | Life Insurance BrokerKasikornbank Public Company Limited as a juristic broker
with license No. Chor00024/2546 |
Remarks
- 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.
- Buyers should have an understanding in the details of coverage and conditions before making a decision to purchase insurance every time.
- Underwriting is subject to the Company’s rules.
- Benefits, coverage and exclusions shall be in accordance with the insurance policy.
FAQs
Once being hospitalized, how much can a customer claim if a customer chooses a plan with the 20,000 Baht deductible option ?
The customer can claim based on actual expenses. The insurance company provides coverage according to the chosen coverage plan. For the 20,000-Baht deductible, the customer has to claim from the customer's welfare/ make payment first.
Once being hospitalized, how much can a customer claim if a customer chooses a first Baht coverage plan ?
The customer can claim for the actual expenses from the first Baht. The insurance company provides coverage according to the chosen coverage plan.
Does a customer receive coverage immediately after buying the insurance ?
The Company shall not pay benefits under this rider for any illnesses that occur within 30 days from the effective date or the latest renewal date, whichever is the latest.
The Company shall not pay benefits under this rider for illnesses that occur within 120 days from the effective date or the latest renewal date, whichever is the latest, which is due to the following disease or abnormality (including its complications).
- Tumors, cysts, or all types of cancer
- Hemorrhoids
- All types of hernia
- Pterygium or cataract
- Tonsillectomy or adenoidectomy
- All types of stones
- Varicose vein
- Endometriosis
Does this insurance cover daily room, board and nursing service fee from intensive care unit (ICU) treatment ?
Yes, it does. The benefit shall be paid two times the benefit of daily room, board and nursing service fee (up to 7 days; and it must not exceed 120 days once combined with the benefit of daily room, board and nursing service fee).
Does the premium increase based on the insured's age ?
Premium increases based on the insured's age range.
Can a customer pay via credit card?
Is health insurance premium tax deductible ?
This premium is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.
Can a customer pay annual premium ?
Yes, the customer can either pay annual or monthly premium.
Can this rider be attached to an existing policy ?
Does this insurance cover illness while travelling overseas ?
Can foreigners apply for Sick but Safe Life and Health Insurance Plan ?
If a customer applies for Ensuring Plan 2 and receives IPD coverage limit of 500,000 Baht/ time (unlimited times), does the customer receive the coverage limit of 500,000 Baht every time that the customer has a cold and is hospitalized ?
Yes, the customer receives IPD coverage limit of 500,000 Baht/ time. In this regard, the Company shall combine the medical expenses for the same disease that occurs within 90 days under the same coverage limit. However, if it exceeds 90 days, expenses shall be combined under a new coverage limit.
