ผลประโยชน์โรคมะเร็งระยะไม่ลุกลาม
45,000
ผลประโยชน์สูงสุดรวม
345,000 (non-invasive 15% + invasive 100%, both payable)
เคลมได้หลายครั้ง (สูงสุดกี่ครั้ง)
2 (1 non-invasive + 1 invasive)
ระยะเวลารอคอยเคลมครั้งแรก
60 (invasive after a non-invasive claim: 60 more days of waiting)
ชดเชยรายวัน ICU / รพ.ต่างประเทศ (ต่อวัน)
2,000 (2x daily · max 30 days per illness)
Underwriting Conditions
1. Entry age 18 - 60; renewable to age 70 (coverage to age 71, or until the base policy expires).
2. Rider only - must attach to an in-force life policy; coverage period cannot exceed the base policy.
3. Health checks per the Company's criteria.
4. Premiums vary by age band; the Company may adjust rates by age, occupation, or portfolio claims experience with at least 30 days written notice.
5. Waiting period 60 days from the effective date, reinstatement, or sum-insured increase; invasive-stage cancer covered 60 days after a non-invasive diagnosis.
6. Premiums qualify for tax deduction per Revenue Department rules.
Key Exclusions (6 in total, e.g.)
1. Pre-existing critical illness or related abnormalities before the effective date, reinstatement, or sum-insured increase.
2. Suicide, self-inflicted injury, or attempts thereof.
3. Inhaling, ingesting, or injecting toxic substances by any means.
4. Refusing treatment or failing to follow physician advice.
5. Self-prescribed treatment, or treatment by a physician who is the insured's parent, spouse, or child.
Daily-Benefit Exclusions (8 in total, e.g.)
1. Hospitalization not directly resulting from a covered cancer.
2. Hospitalization that is not medically necessary or not standard medical practice.
Note: Cancer Rider is the marketing name of the Cancer Coverage rider.
