Middle|Right Black

Sick But Safe Insure

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​ครอบคลุมโรคร้ายแรงโรคทั่วไป

และ Covid - 19 สูงสุด 5 แสนบาท*

เบี้ยเริ่มต้นวันละ 13 บาท​​​

​​
InvisibleSectionName
10
Padding
Highlight
Black
Middle|Left
Left
InvisibleSectionName
20
Padding
Underwriting criteria​
Black
Middle|Left
Left
InvisibleSectionName
30
Padding
Underwriting criteria
Black
Middle|Left
Left
InvisibleSectionName
40
Padding
Insurance plan
Black
Middle|Left
Left
InvisibleSectionName
50
Padding
FAQs​
Black
Middle|Left
Left
TextBlock
11
Padding

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

​
Black
Middle|Left
Left

​​

HtmlBlock
13
Padding

Coverage

 

Lump Sum Coverage for (IPD)

200,000 Baht/ 500,000 Baht/ time (unlimited)

 

Available in 6 plans

Room Fee 2,000 Baht/ 4,000 Baht/ day
 

Life Coverage

50,000 Baht


Black
Middle|Left
Left
HtmlBlock
21
Padding
See more details
Black
Middle|Left
Left

Insurance plan

Insurance Plan Schedule

Insurance Plan/ RiderReassuring 1Reassuring 2Comforting 1Comforting 2Ensuring 1Ensuring 2**
1Coverage for IPD (per hospitalization)* 200,000 200,000 500,000
2.Daily room, board and nursing service fee Top up IPD limit of 200,000/ 500,000
  • Normal room (up to 120 days/ hospitalization)
2,0004,000 4,000
  • ICU room (up to 7 days/hospitalization)
4,0008,000 8,000
3.Life coverage

(Whole Life 99/ 99)

50,00050,000 50,000
4.Coverage for medical expenses No. 1

(per hospitalization)

Deductible of 20,000 BahtFrom the first Baht Deductible of 20,000 BahtFrom the first BahtDeductible of 20,000 Baht From the first Baht
Monthly premium

4901,22268014208901,444
Annual premium

5,47313,5657,54815,7659,87616,030

Remarks:

  • * There are unlimited number of times for IPD coverage. 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.
  • ** For Ensuring Plan 2, customers can purchase at Kasikornbank branches nationwide only.
  • For Reassuring Plan 1, Comforting Plan 1 and Ensuring Plan 1, customers must be responsible for the first 20,000 Baht of IPD medical expenses.
​
HtmlBlock
31
Padding

Underwriting criteria

Insurable age
 
21 -60 years old
Premium payment mode
 
Annual and monthly
Sum insured
 
50,000 Baht (fixed amount)
Tax deductible
 
Up to 25,000 Baht (*)
Credit card payment
 
Allowed

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.

Black
Middle|Left
Left

​

HtmlBlock
41
Padding

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
213854701,0011,2025356601,1491,4007008701,1641,424
303954851,0111,2175456751,1591,4157108851,1741,439
354354901,1051,2225806801,2581,4207748901,2841,444
404855401,2441,3556457401,4521,5928709771,4881,635
455256151,3401,5836908451,5741,8179371,1151,6281,867
505907251,5661,8227709951,7792,1111,0531,3121,8402,192
557358151,9702,1529551,1052,2392,4861,3131,4772,3182,524
601,0558952,8202,2631,3351,1853,1352,5771,7491,5573,2052,661

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
214,3025,24711,14213,3755,9687,35812,79015,5757,799 9,686 12,94715,840
304,3825,38211,22213,5106,0487,49312,87015,7107,879 9,821 13,02715,975
354,8265,43712,26513,5656,4377,54813,96515,7658,583 9,876 14,25016,030
405,3916,00213,82015,0477,1688,22416,13017,6809,668 10,851 16,53018,165
455,8546,85414,90517,6067,6889,41017,50520,20510,427 12,403 18,10520,763
506,5618,05017,40020,2428,56111,06119,76423,46011,704 14,577 20,44924,350
558,1699,06421,89023,91110,60412,28724,88127,62514,585 16,420 25,75528,044
6011,7529,92431,36025,12214,86513,14734,86528,61219,460 17,280 35,64029,538

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
​
Black
Middle|Left
Left
HtmlBlock
12
Padding
 
 

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
Promotion Conditions

Black
Middle|Left
Left

Promotion Conditions

    For customers who apply and pay annual premium of Sick but Safe Insurance via Kasikornbank payment channels, they will receive E-voucher of Tesco Lotus or 7-11 worth 100 Baht for every 2,500 Baht of premium.

    Special! For customers who receive salary via Kasikornbank, they will receive E-voucher of Tesco Lotus or 7-11 worth 100 Baht for every 2,000 Baht of premium. For customers who apply for free COVID-19 coverage via Line KBank Live, they will continuously receive COVID-19 coverage for 1 year if apply and pay premium within 30 June 2020.

    Remarks

    • The free gift may be changed subject to the Bank.
    • To provide the privileges and services under Sick but Safe Life and Health Insurance Campaign to customers, Muang Thai Life Assurance PCL will submit first name- last name, identification No. and insurance policy related information to Kasikornbank.


HtmlBlock
43
Padding

Coverage Conditions

Coverage

  • 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

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.

Exclusions

  • 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.

Service Providers

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

  • 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.

Black
Middle|Left
Left
HtmlBlock
44
Padding

Guide to Insurance Application

Citizen's Guide to Insurance Application via Bank

Black
Middle|Left
Left
HtmlBlock
51
Padding

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?

Yes.

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 ?

No.

Does this insurance cover illness while travelling overseas ?

Yes, it does.

Can foreigners apply for Sick but Safe Life and Health Insurance Plan ?

Yes.

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.


Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left
None
 
Padding
Black
Middle|Left
Left