ผลประโยชน์โรคมะเร็งระยะลุกลาม
100,000 (all stages, lump-sum on diagnosis)
ผลประโยชน์มะเร็งผิวหนัง
0
ผลประโยชน์มะเร็งผิวหนังประเภทเมลาโนมา
100,000 (included in the main cancer benefit, not paid twice)
ผลประโยชน์โรคมะเร็งระยะไม่ลุกลาม
100,000 (all stages, lump-sum on diagnosis)
ผลประโยชน์โรคร้ายระยะปานกลาง
0 (no separate intermediate stage)
ผลประโยชน์โรคร้ายระยะเริ่มต้น
0 (Not covered)
ผลประโยชน์โรคร้ายระยะรุนแรง
100,000
ผลประโยชน์สูงสุดรวม
100,000
เคลมได้หลายครั้ง (สูงสุดกี่ครั้ง)
1
จำนวนโรคร้ายแรงที่คุ้มครอง
4 (1 cancer (all stages) · 2 acute heart attack · 3 major stroke · 4 end-stage lung disease)
ระยะเวลารอคอยเคลมครั้งแรก
90
โรคหลอดลมปอดอุดกั้นเรื้อรังขั้นรุนแรง หรือโรคปอดระยะสุดท้าย
100,000
โรคหลอดเลือดสมองแตกหรืออุดตัน
100,000
โรคกล้ามเนื้อหัวใจตายเฉียบพลันจากการขาดเลือด
100,000
โรคมะเร็งระยะลุกลาม
Covered (all stages · excl. skin cancer other than melanoma)
กล้ามเนื้อหัวใจตายเฉียบพลันจากการขาดเลือด
Covered
Remarks
The Company reserves the right to modify conditions, insurance plans, and premiums at renewal, based on the insured's age and claims history.
Underwriting Conditions
1. Insured age 16 – 60 years (renewable up to 65 years) (calculated as current year minus birth year, without considering birth day and month).
2. Insurance is available for Thai nationals with Thai citizenship only.
3. Maximum policies per person: Each insured may purchase 1 policy per person.
4. The following occupations are not accepted for insurance: construction workers, carpenters, masons, pile drivers, painters, electricians, plumbers, pipe fitters, various repair workers, laborers, floor cleaning construction workers, pest control/termite extermination workers, workers in glass manufacturing, explosives, gunpowder factories, oil drilling department workers, mining workers, security guards, firefighters, workers in battery factories, flashlight battery factories, petroleum factories, nuclear power plants, factories using radioactive materials in production (e.g., medical equipment manufacturing), those working with coal dust, oil dust, asbestos dust, or those working with chemicals, dust, smoke, etc.
5. The insured must be in good physical health with no disability or incapacity, no chronic pre-existing conditions, no serious illnesses, must not be mentally incapacitated, no psychiatric symptoms or conditions, no chronic alcoholism, and must not be a substance abuser (the insured must complete the insurance application form and pass the Company's underwriting criteria).
6. Insurance is not accepted for applicants who "currently have" or "have had" the following:
- Hepatitis B and C (whether carrier or previously infected), including cirrhosis and chronic hepatitis
- AIDS or HIV-positive
- Chronic pneumonia
- Chronic colitis
- Chronic cervicitis or vaginitis
7. The insured must not have relatives (father, mother, or siblings) who currently have or have had before insurance application the following diseases: leukemia, retinoblastoma, colorectal cancer, breast cancer, uterine cancer, cervical cancer, and ovarian cancer.
8. For health declarations of diseases other than those specified in Items 5 and 6, individual case-by-case assessment will be conducted according to the Company's underwriting criteria.
Key Exclusions
1. The Company will not pay benefits for injuries or illnesses including chronic conditions and symptoms that occurred before the first effective date of the policy (Pre-existing Conditions).
2. The Company does not cover any critical illness with symptoms appearing or diagnosed during the non-coverage period (Waiting Period) of 90 days from the first effective date of the policy.
3. The Company does not cover critical illness occurring directly or indirectly, wholly or partially, resulting from HIV infection, AIDS, AIDS-Related Complex (ARC), or Opportunistic Infection, and/or certain cancers found when HIV, AIDS, or ARC symptoms appear.
