Health Premium Plus -be worry free about medical expense
No worry about Financial Burden of Healthcare Expenses
Health Premium Plus rider allows you to have more options for hospital treatment and quality of service. The coverage includes medical treatment and surgery with 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.
Highlighted Benefits
- Having more options for quality of service and treatment with 7 health coverage plans to choose
- Resting assured with maximum benefit payment of THB 10,000,000 per policy year
- Being worry free with renewable coverage
- Until insured age 80 for HPP1-3
- Until insured age 70 for HPPM1-M2 and HPP4-5
- Feeling at ease with accident coverage, when being treated as outpatient within 24 hours after the incident
- Becoming relieved with coverage for major surgeries which are not necessary to be admitted in the hospital (Day Surgery)
- Receiving extensive coverage including dialysis, chemotherapy, radiotherapy and targeted therapy as an outpatient treatment
- 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
- 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 Plus
| Benefit | Coverage Plan (unit: THB) | ||||||
Plan M1 |
Plan M2 |
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
|
| Maximum benefits per policy year | 300,000 | 500,000 | 2,000,000 | 4,000,000 | 6,000,000 | 8,000,000 | 10,000,000 |
| Inpatient Benefit | |||||||
| Medical treatment | Actual cost | ||||||
| Room and board and service fees (per day) | 1,000 | 2,000 | 3,000 | 6,000 | 9,000 | 12,000 | 15,000 |
| ICU room (per day) | 2,000 | 4,000 | 6,000 | 12,000 | 18,000 | 24,000 | 30,000 |
| Home medicine (per day) | 500 | 1,500 | 2,000 | 4,000 | 6,000 | 8,000 | 10,000 |
| Medical practitioner (per day) | 1,000 | 1,500 | 2,000 | 4,000 | 6,000 | 8,000 | 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 24 hours of each accident) |
||||||
| Fee for treatment of chronic kidney disease by hemodialysis | Actual cost | ||||||
| Fees for treatment of tumor or cancer by radiation therapy, interventional radiology and nuclear-radiology per policy year | Actual cost | ||||||
The table above is merely a summary of key benefits, conditions and exclusions. Please download here for full detail.
Preliminary Underwriting Guideline
| Plan | Applicable insured age | Health check-up |
| HPPM1 - M2 | 31 days - 70 years old (non-renewable) | Subject to the underwriting guidelines |
| HPP1 | 31 days - 70 years old, renewable up to insured age 79 |
|
| HPP2 | 6 - 70 years old, renewable up to insured age 79 | |
| HPP3 | 16 - 70 years old, renewable up to insured age 79 | |
| HPP 4-5 | 16 - 65 years old, renewable up to insured age 69 |
Preliminary conditions and exceptions
- 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)
- Chronic diseases, uncured illnesses and injuries, including the treatment of congenital and genetic diseases and learning disabilities before the policy effective date
- 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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