*** This information is only an example of the insurance benefits. This is not the part of the policy ***
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This is the first insurance policy in Thailand to be created for the disabled at the ages between 15-65. The policy focuses on both saving and coverage. The policy periods are 10, 15 and 20 years. The insureds need only pay for a 5-year premium to be covered for 10 years, a 7-year premium to be covered for 15 years or a 10-year premium to be covered for 20 years. |
Types of disability to be eligible for the policy
 Blind persons
Deaf person
Disable persons
The applicant must not have lost not more than 2 organs or limbs in the past year and be in good physical and healthy condition.
Examples of the disabled to be eligible for underwriting
Blind in one or both eyes.
Deaf but not mute or mute but not deaf.
Moving disability.
- Loss of 1 arm.
- Loss of 2 arms.
- Loss of 2 legs and is able to walk by using artificial limbs. (wheel chair users are exempt)
- Loss of 1 arm and 1 leg.
- Disability of arm/s or leg/s from polio. (wheel chair users are exempt)
Multiple disabilities
- Loss of 1 eye and 1 limb.
- Deaf in 1 ear and loss of 1 limb.
- Blind in 1 eye and deaf in 1 ear.
Exempt Disability from diseases such as diabetes will not be eligible to be insured.
Notice : The Company will consider the eligibility of the applicant on a case by case basis.
Extra coverage and beyond
Presuming the insured is alive and well when the policy has matured.
The insureds will recieve 100% plus
approximated 10%* dividends of the sum insured.
*The Company will inform the insureds in advance before maturity.
In case of death during policy period
The beneficiary will recieve 100%
The beneficiary will recieve 200% extra coverage in case of death by accident. The total accidental death payment is 300%.
Detailed Summary for extra coverage
Presuming the insured is alive and well when the policy has matured.
The insureds will recieve 100% plus approximated 10%* dividend of the sum insured
In case of death during policy period.
The beneficiary will recieve 100%
The beneficiary will recieve 200% extra coverage in case of death by accident. The total accidental death payment is 300%.
*The company will inform the insureds before maturity for possibly dividend payment .
Example
Notice : All of these 3 types of policy periods have another alternative for single premium payment.
Example
Notice : The insureds can use their premium payment for yearly personal income tax deduction, but not over 50,000 Baht.
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Policy for the disabled
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