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Protect your family both health and accident medical expenses

Worry free from medical expenses for whole family with Family Protector plan. This plan covers health lump sum benefit for major surgery and indemnity payments with maximum coverage benefits 10,000,000 THB per policy year which covers on major surgery from illness or accidental included special medical service benefit such as invasive cancer treatment, hemodialysis, stroke rehabilitation and hospital care. Moreover, indemnity payment benefits will give you cash compensate while you being hospitalized.

Highlight Benefits

  • Long coverage both basic and health rider
    • Basic plan: life coverage until 90 years old of age with premium payment period 20 years only
    • Rider plan: health coverage on medical expenses and indemnity payment until 75 years of age
  • Protect whole family cover protection to you, your parents, spouse and your beloved child
  • Choose your options from 9 plans of coverage and benefits
  • Being worry free with maximum lump sum benefit payment of THB 10,000,000 per policy year
  • Protect your income receive indemnity payment while you being hospitalized which not using major surgery or special medical service benefit (please see details on benefit’s table below)
  • Get premiums discount when buy with family member at least 2 policies
  • Tax deductible for premium payment according to conditions as announced by Revenue Department (Learn more)

Life Coverage Benefit (Basic plan)

The company will pay 100% of sum assured, in case of death before or living until the end of contract at age 90.

Table of benefit from Family Protector Rider (Unit: THB)

 Benefits Basic Standard VIP
Plan A Plan B Plan C Plan A Plan B Plan C Plan A Plan B Plan C
Maximum total benefits per policy year 1,000,000 5,000,000 10,000,000
1. Benefit surgery
1.1 Major invasive cancer surgery 300,000 As charged As charged
1.2 Major heart surgery 300,000
1.3 Major brain surgery 300,000
1.4 Organ transplant or bone marrow transplant 900,000
Special medical benefits (additional)
Major surgery from accidental injury As charged Not covered As charged As charged Not covered As charged As charged Not covered As charged
Major surgery to treat jaw, face and skull, due to an accident Not covered
Major surgery to treat jaw, face and skull, due to invasive cancer As charged As charged
Major surgery due to pregnancy Not covered As charged Not covered As charged Not covered As charged
Major surgery due to congenital anomalies of the new baby
2. Critical medical treatments (both inpatient and outpatient)
2.1 Medical treatment for invasive cancer As charged, up to 2,000,000 throughout the coverage term As charged, up to 4,000,000 throughout the coverage term As charged, up to 6,000,000 throughout the coverage term
Special medical benefits (additional)
Kidney dialysis Not covered
Rehabilitation medicine from stroke or blockage
Palliative care in terminally ill conditions inpatient cases
3. Daily medical compensation benefits As medically necessary, but not more than 365 days per patient stay at any time. The Company will pay benefits  when the payment conditions are not met as per item no. 1 and 2
3.1 General medical treatment 1,500 1,500 3,000
3.2 Major surgery 3,000 3,000 7,500
3.3 General treament, in the case of hospitalization in ICU 10,500 10,500 12,000
3.4 Major surgery, in the case of hospitalization in ICU 12,000 12,000 16,500
3.5 General medical care, due to an accident 1,500 4,500 1,500 1,500 4,500 1,500 3,000 6,000 3,000
3.6 Major surgery, due to an accident 3,000 6,000 3,000 3,000 6,000 3,000 7,500 10,500 7,500
3.7 General general care, in the case of hospitalization in ICU, due to an accident 10,500 13,500 10,500 10,500 13,500 10,500 12,000 15,000 12,000
3.8 Major surgery, in the case of hospitalization in ICU, due to an accident 12,000 15,000 12,000 12,000 15,000 12,000 16,500 19,500 16,500
3.9 Double daily medical compensation benefit for juvenile insured (covered until the age 18 years old ) only item no. 3.1 - 3.8 Not covered Covered Not covered Covered Not covered Covered

  

Sample of Benefit and Premium for specified gender and age (unit: THB)

 Benefit coverage Basic Standard VIP
Plan A Plan B Plan C Plan A Plan B Plan C Plan A Plan B Plan C
Basic plan:
Life Protector 90/20
 1,000,000 5,000,000 10,000,000
Rider plan:
Family Protector		 1,000,000
per  policy year
 5,000,000
per  policy year
 10,000,000
per  policy year
Annual premium for basic plan: Life Protector 90/20
Main insured:
Male age 35 years old		 1,252
Spouse:
Female age 32 years old		 966
Child:
Female age 1 year old		 571
Annual premium for rider: Family Protector (included discount 5%)
Main insured:
Male age 35 years old		 8,336 7,553 8,336 14,832 11,819 14,832 26,247 22,305 26,247
Spouse:
Female age 32 years old		 7,505 13,614 14,397 13,483 20,320 22,784 23,760 36,454 40,397
Child:
Female age 1 year old		 10,619 14,203 15,192 15,438 21,199 24,262 29,467 50,322 51,736
Total Annual Premium 29,249 38,159 40,714 46,542 56,127 64,667 82,263 111,870 121,169

       

Preliminary Underwriting Guideline

  • Insured age: 31 days until 70 years old
  • Family Protector rider must be attached to the basic plan Life Protector 90/20 only, and any other riders are not allowed.
  • The family member relationship which can buy this plan is insured, spouse, child or legally adopted child and parents.
  • In case of included coverage to parent of main insured, there has to choose only ‘Basic’ plan.
  • Family Protector rider is limited to one person one policy only.

Policy applicants should study, read, and comprehend about coverage details and conditions before deciding to purchase. Please find more information from policy contract. In addition, company underwriting guideline will be applied.

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