ผลประโยชน์สูงสุดรวม
100,000
ผลประโยชน์โรคร้ายระยะรุนแรง
100,000
เคลมได้หลายครั้ง (สูงสุดกี่ครั้ง)
1
โรคมะเร็ง (จำนวน)
1
โรคหัวใจและหลอดเลือด (จำนวน)
1
โรคสมองและระบบประสาท (จำนวน)
1
โรคปอดและระบบทางเดินหายใจ (จำนวน)
1
โรคหลอดลมปอดอุดกั้นเรื้อรังขั้นรุนแรง หรือโรคปอดระยะสุดท้าย
N/A
โรคหลอดเลือดสมองแตกหรืออุดตัน
N/A
โรคกล้ามเนื้อหัวใจตายเฉียบพลันจากการขาดเลือด
N/A
ผลประโยชน์กรณีตรวจพบโรคร้ายแรงดังต่อไปนี้ เป็นครั้งแรก
N/A
ผลประโยชน์ตรวจพบมะเร็ง
(ทุกชนิด ทุกระยะ รวมมะเร็งผิวหนังประเภทเมลาโนมา)
N/A
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.
