Multi-Stage Critical Illness 50

Offer protection both injury and illness conditions as stated in policy contract. The company provides coverage benefits according to the followings:

1) 5 critical illness conditions

Company will pay 25% of sum assured for 5 critical illness conditions as indicated below. It will be paid only once during the contract period. After that, the coverage will be reduced to 75% of total sum assured on the next policy years.

1. Coronary Artery Disease Requiring   Angioplasty
2. Stroke Requiring Carotid Endarterectomy Surgery
3. Non-invasive Cancer / Carcinoma in Situ
4. Cerebral Aneurysm Treatment by Endovascular Coiling
5. Stroke Treatment by Carotid Angioplasty and Stent Placement 

2) 45 critical illness conditions

Company will provide 100% of sum assured for 45 critical illness conditions as listed below. If insured has never received the benefit in no. 1), the insured will be protected with 100% of sum assured. Or else, 75% of total sum assured will be given. In addition, the rider contract will be terminated, when 100% of sum assured are reimbursed.

1. Alzheimer’s Disease
2. Aplastic Anemia
3. Bacterial Meningitis
4. Benign Brain Tumor
5. Blindness
6. Invasive Cancer
7. Cardiomyopathy
8. Chronic Liver Disease / End-stage Liver Disease / Liver Failure
9. Severe Chronic Obstructive Pulmonary Disease / End-stage Lung Disease
10. Coma
11. Coronary Artery By-pass Surgery
12. Acute Heart Attack
13. Open Heart Surgery for the Heart Valve
14. Chronic Kidney Failure
15. Loss of Hearing
16. Loss of Independent Living
17. Total and Permanent Disability – TPD, which must happen before the end of policy year when the insured turns to 70 years old
18. Loss of Speech
19. Major Burn
20. Major Head Trauma
21. Major Organs Transplantation or Bone Marrow Transplantation
22. Motor Neuron Disease
23. Multiple Sclerosis
24. Muscular Dystrophy
25. Fulminant Viral Hepatitis
26. Other Serious Coronary Artery Diseases
27. Paralysis
28. Parkinson’s Disease
29. Primary Pulmonary Arterial Hypertension
30. Severe Rheumatoid Arthritis
31. Major Stroke
32. Surgery to Aorta
33. Lupus Nephritis from Systemic Lupus Erythematosus
34. Viral Encephalitis
35. Apallic Syndrome or Vegetative State
36. Cerebral Aneurysm Requiring Brain Surgery
37. Multiple Root Avulsions of Brachial Plexus
38. Poliomyelitis
39. Surgery for Idiopathic Scoliosis
40. Chronic Relapsing Pancreatitis
41. Elephantiasis
42. Medullary Cystic Disease
43. Necrotizing Fasciitis and Gangrene
44. Progressive Scleroderma or Diffuse Systemic Sclerosis/Scleroderma
45. Severe Ulcerative Colitis or Crohn’s Disease

• Insured age: 16-65 years old (renewable coverage until 85 years old)
• Minimum sum assured: THB 100,000

Policy applicants should study, read, and comprehend about coverage details and conditions before deciding to purchase. Company underwriting guideline will be applied. Coverage benefits and exceptions will follow policy contract.