Health Protector Plus

No Worry about Medical Expenses

Health Protector Plus rider allows you to have more options for hospital treatment and quality of service. The coverage includes medical treatment and surgery with maximum total benefits of THB 10,000,000 per policy year, and daily room and board up to THB 15,000. No advance payment is required when being treated in Chubb Life's hospital network.

Highlight Benefits

  • Having more options for quality of service and treatment with 5 coverage plans to choose
  • Resting assured with maximum lump sum benefit payment of THB 10,000,000 per policy year
  • Being worry free with renewable coverage until insured age 80 for HSPP1-3 and age 70 for HSPP4-5
  • Feeling at ease with accident coverage, when being treated as outpatient within 24 hours after the incident 
  • Becoming relieved with 21-day case surgical procedures and minor surgery included
  • Receiving extensive coverage including dialysis, chemotherapy and radiotherapy
  • Enjoying cashless service when being treated in Chubb Life's network of 260 hospitals
  • Always reachable via 24-hour hotline service, call 0-2660-1222

Coverage and Benefits of Health Protector Plus

Benefits* Coverage Plan
HSPP1 HSPP2 HSPP3 HSPP4 HSPP5
Maximum coverage per policy year

2,000,000 4,000,000 6,000,000 8,000,000 10,000,000
In-patients are entitled to the following benefits:

1. Daily room, meals and nursing services (not over 180 days) whereas I.C.U Benefits are of double coverage (not over 60 days). The total number of days (R&B and ICU combined) should not exceed 180 per policy year.

3,000 6,000 9,000 12,000 15,000
2. Doctor fees per day during admittance (not over 180 days per policy year)

2,000 4,000 6,000 8,000 10,000
3. “Take home” medicine should not exceed 7 days after the discharge date per each hospital admission

1,500 2,500 3,500 4,000 4,500
4. Surgical and medical procedure fees

Cover as actual amount occurred*
5. Surgical room and instrument fees

6. Anesthesiologist fees

7. Other hospitalization fees including pharmaceutical and medical supplies, laboratory and radiological investigation, blood and plasma transfusion, physical therapy and ambulance etc.

Out-patients are entitled to the following benefits:

8. Fees for laboratory and radiological examination within 30 days prior admission to hospital or 60 days after discharge from the hospital.

Cover as actual amount occurred*
9. Fees for emergency care of out-patients (caused by accident) within 24 hours after accident.

10. Surgical or operative that dose not require treatment in hospital (Day cases)

11. Dialysis, Chemotherapy and Radiotherapy

* Benefit payments for items 1 through 11 may not exceed the maximum coverage per policy year. Terms and conditions of benefit payments are as stated in the policy contract. This rider cover is on an annual basis. Renewals are valid until the insured for HSPP1-3 is 80 years of age and HSPP4-5 is 70 years of age, and cannot exceed the coverage period of the basic life insurance plan. The Company’s underwriting guideline will be applied to new applications.

Preliminary Underwriting Guideline

Plan HSPP1-3 HSPP4-5
Applicable insured age 31 days - 70 years old, renewable up to insured age 79 16 - 65 years old, renewable up to insured age 69
Coverage period

Until insured age 80 and not exceeding the contract period of basic plan

Until insured age 70 and not exceeding the contract period of basic plan

Health check-up Subject to the underwriting guidelines

 

Preliminary 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. General health check-up, request to be treated or to recover in a hospital or clinic, request to have a surgical operation, request to stay in a hospital or clinic without being treated, medical examination that is irrelevant, unnecessary and nonstandard to the treatment, and special nursing service

All applicants should study, read, and understand the details and conditions of coverage before deciding to purchase. Full details of coverage are contained in the policy contract.
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