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Smart Savings 12/4 short term savings plan

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Provides comprehensive care for all ages with intensive protection, while relieve you from financial stress.

Live your life to the fullest and worry-free from the financial burden with Health Delight Plus (HDP); a hospital and surgical benefit rider that provides a comprehensive benefit for you. With the various plans that suit your needs, you will be covered for hospitalization expenses due to illness and injury from accident, while also receive tax deduction benefit from health insurance premiums

ครอบครัว พ่อแม่ลูก ยิ้มแย้ม สุขภาพดี

Highlighted Benefits

  • Choose the coverage that suit you best with the choices of 9 protection plans.
  • Receive comprehensive benefits covering medical service fees for the treatment of chronic renal failure, chemotherapy and radiation therapy for the treatment of cancer or tumors.
  • Provides a daily compensation in the event of treatment for 5 main childhood diseases. (HFMD, Influenza, Dengue fever, RSV virus disease, Pneumonia, or pneumonia)
  • Provides room benefit when staying as an inpatient for up to 180 days.
  • Receive the benefit from personal income tax deduction for premium payment paid, according to the requirements of The Revenue Department (Learn more)
     

Coverage and Benefits of Health Delight Plus (per time of admission)

Benefits Coverage and Benefits of Health Delight Plus (per time of admission)

Plan

1000

Plan

1500

Plan

2000

Plan

3000

Plan

4000

Plan

5000

Plan

6000

   Plan

   8000  

    Plan

   10000

Inpatient Benefit    
Room and board and service fees (per day) - up to 180 days include ICU room) 1,000 1,500 2,000 3,000 4,000 5,000 6,000    8,000   10,000
Diagnosis services fee 17,000
21,000 23,000 27,000 33,000 41,000 54,000 66,000 82,000
Home medicine (per each hospital admission) 1,000 1,000 1,000 1,000 1,000 1,000 1,000    1,000    1,000
Doctor's consultation fee (per day) 600 700 850 950 1,000 1,100 1,200    1,400    1,600
Operating room fee 4,500 5,000 6,000 7,000 7,500 8,000 12,000   13,000   14,000
Surgical fee       45,000       55,000       65,000       85,000         100,000         105,000         130,000         140,000         150,000
Anesthetist fee 5,000 6,000 8,000 10,000 12,000 15,000 16,000  17,000 20,000
Outpatient Benefit    
OPD emergency accident (within 24 hours) 3,500 4,000 4,500 6,000 8,000 10,000 12,000  13,000  15,000
Emergency ambulance service fee 2,000 2,500 3,000 4,000 5,000 6,000 7,000   9,000   11,000
Medical service fees for the treatment of chronic renal failure by dialysis through the veins (per policy year) 17,000 22,000  27,000  37,000  42,000  47,000   55,000   65,000  80,000
Medical service fees for the treatment of tumor or cancer by radiotherapy, radiation therapy nuclear, medicine treatment (per policy year) 17,000 22,000  27,000  37,000  42,000  47,000   55,000   65,000  80,000
Medical service fee for cancer treatment by chemotherapy (per policy year) 17,000 22,000  27,000  37,000  42,000  47,000   55,000   65,000  80,000

The table above is merely a summary of key benefits, conditions and exclusions. Please download here for full detail.

Preliminary Underwriting Guideline

  • Applicable insured age
    • 31 days - 5 years old: renewable up to age 79 (for coverage plan 1000 - 5000)
    • 6 - 70 years old: renewable up to age 79 (for coverage plan 1000 - 10000)
  • Subject to underwriting rules, a health checkup is performed

Preliminary conditions and exceptions

  1. Any pre-existing conditions and illnesses that occur within 30 days after the policy effective date, or the latest effective date in the case of policy reinstatement (waiting period)
  2. Chronic diseases, uncured illnesses and injuries, including the treatment of congenital and genetic diseases and learning disabilities before the policy effective date
  3. Ordinary health check-up, diagnostic test or any treatment requests which are beyond medical necessity or standard.

Policy applicants should read and understand about coverage details and conditions before deciding to purchase. Company underwriting guideline will be applied. Coverage details and conditions are as stated in policy contract.

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