Multi-Stage Critical Illness 50

Be worry free about medical expenses on critical illness treatment

Get protected with Multi-Stage Critical Illness 50 insurance rider which covers 50 conditions of critical illness such as non-invasive and invasive cancer, coronary artery disease, major stroke, Alzheimer’s disease, and chronic kidney failure. Company will pay a lump sum amount of coverage benefit to the insured when the critical illness conditions as defined in policy contract are diagnosed and confirmed by a certified physician. So, you will be worry free about medical treatment expenses and financial burden on your loved ones.

Coverage of Multi-Stage Critical Illness 50 Rider

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

Preliminary Underwriting Guideline

  • 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.

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