Health Premium - be worry free about medical expenses

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Worry free! The Health Premium rider offers health coverage until 80 years of age, with 5 plan options to choose from. The rider provides coverage for hospital treatment and surgical benefits up to a maximum coverage of THB 5,500,000 per year and up to THB 15,000 per day for room and board.  Rest assured with Health Protector medical insurance!

Highlighted Benefits

  • Having more options for quality of service and treatment with 5 health coverage plans to choose with coverage until 80 yeas of age
  • Resting assured with maximum benefit payment of THB 5,500,000 per policy year
  • Becoming relieved with coverage for major surgeries which are not necessary to be admitted in the hospital (Day Surgery)
  • Enjoying cashless service when being treated in Chubb Life's hospital network with 350+ clinics and hospitals nationwide
  • Being protected abroad for emergency treatment outside Thailand within the first 90 days of each departing date
  • Feeling at ease with accident coverage, when being treated as outpatient within 24 hours after the incident 
  • Always reachable via 24-hour hotline service, call 0-2660-1228
  • Personal income tax deduction for permium payment paid, according to the requirements of The Revenue Department (Learn more)

Coverage and Benefits of Health Premium

Benefit Coverage Plan (unit: THB)











Maximum benefits per policy year 1,100,000 2,200,000 3,300,000 4,400,000 5,500,000
Inpatient Benefit
Medical treatment Actual cost
Room and board and service fees (per day) 3,000 6,000 9,000 12,000 15,000
ICU room (per day) 6,000 12,000 18,000 18,000 30,000
Home medicine (per day) 1,500 2,500 3,500 3,500 4,500
Medical practitioner (per day) 2,000 4,000 6,000 6,000 10,000
Outpatient Benefit
Medical service fee for diagnosis

Actual cost

(only occurs within 30 days before admission and within 60 days after discharge)

Fee due to accident for outpatient

Actual cost

(within 25 hours of each accident)

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: 11 years old - 70 years old (renewable up to age 79)
  • 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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