 Requirement for Insurance
| Insurance Condition |
Plan1 (VIP1) |
Plan2 (VIP2) |
-Requirement for Insurance
1.Coverage Period
2.Age of insured
3.Types of ordinary insurance that can buy
VIP Minimum amount of sum insured
-Koom Thanakij
-Sap Kasian with period coverage more than 20
years
4.Cancellation of the previous HI for buying
VIP in the same policy
5.Eligible for Thai Life Medicare
|
Yearly
6-70 years old
All Type
500,000
1,000,000
1,000,000
Prohibited
Only as In-patient
|
Yearly
16-70 years old
All Type
1,000,000
2,000,000
2,000,000
Prohibited
Only as In-patient
|
Notice
1. The insured must buy this policy with life
insurance. They will not be able to buy this policy
after wards
2. Period of premium payment for VIP Health Insurance
rider must be the same as life coverage.
3. In case of buying plan1 for 2 policies. The
company agrees to pay 4,000 Baht instead of 2,000
baht for room, meal and medical service.
|
Benefit
When the VIP Health Insurance is effective, The Company
will pay benefits to the insureds if an in-patient;
- If the insured is ill after the policy has been effective
or policy reinstatement 30 days
- If the insured has been ill since renewing their coverage.
- If the insured is injured by accident
Detailed Benefit
1. Room, meal and medical treatment per day:
The company will pay the actual amount for room, meal
and medical service but not over 90 days as the policy
is stated.
1.1 Medical payment in case of
ill:
The company will pay the actual amount for a one time
treatment as the policy is stated but not exceeding
5 times within one policy year.
1.2 Medical payment in case of accident:
The company will pay the actual amount for one time
treatment as the policy is stated.
2.
Medical cost for out patience
In case of out-patient : The company will pay the actual
amount as the policy is stated to pay but not exceeding
3 times per treatment or 30 times per year.
Benefit Table
| List |
Amount (Baht) |
| Plan1(VIP1) |
Plan2(VIP2) |
1.Room, meal and medical service per day
(maximum 90 days)
1.1 Medical cost per treatment
(not exceeding 5 times per year)
1.2 Medical expenses for accident per treatment
2. Medical expenses as an out-patient per treatment
(not exceeding 3 times or 30 times per year
) |
2,000
100,000
200,000
500
|
4,000
200,000
400,000
1,000
|
Policy Expiration
1. Non premium payment until grace period was passed
except incase APL has taken place
2. The insureds are 65 years old.
3. The policy has matured or changed the policy to cash
surrender value or policy extension.
4. Either the insureds or the company cancel the policy
in writing 30 days in advance. The company will pay
the partial uncoverge payment back to the insureds.
Policy reinstatement
The insureds can notify to reinstatement in writing
required documents with their own expenses with the
company’s consent
Requirement and Method for V.I.P. Health Insurance (VIP)
Buying
coverage regulation
The insureds must buy this policy with life insurance
at the same time. In case of the insureds would like
to buy health insurance more than 1 policy such as HI+VIP
or VIP1+VIP2 No matter when they buy then at the same
time or a different time, There are limitations on room,
meals and medical services as shown in the table:
This coverage include
room cost for each policy |
| Age |
This
coverage include room cost for each policy |
The
highest amount of all type of policy |
Notice |
HI
|
VIP
|
1month old
- 5 years of age
6-15 years of age
16 years of age + up
-A total amount insured is lower than
1 million baht
- The amount insured is more than 1 million
baht
|
|
1,500
2,000
3,000
3,000
|
Prohibited
2,000
2,000
4,000
|
1,500
2,000
3,000
5,000
|
Buying HI and the minimum amount of sum insured
on each policy must be regulated by underwriting
manual |
|
VIP Health Insurance (VIP)
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