Highlight benefits

Get it easily and be covered to the max!

Coverage for medical expenses in case of hospitalization including standard single room fee, ICU room fee, doctor fee, medication fee, examination fee, and surgery fee in a lump sum up to 5 million Baht *per any hospitalization

Get it easily and be taken care of extensively

until 99 years old.

Get it easily and choose what suits you

with the lump sum payment option since the first Baht or a deductible option for more affordable premium.


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Get it easily and be covered to the max! Get coverage for standard private room, ICU room fee, examination fee, medicine cost, operation fee during hospitalization and IPD expenses in a lump sum payment of up to 5 MB* per time, with no limit of times per year.

Insurance conditions

Coverage Period

Entry age is 11 years old to 80 years old. The coverage is provided until the age of 99. However, it must not exceed the coverage period of the life insurance policy that this rider is attached to.

Tax Deductible

Receive tax benefit

Mode of Premium Payment

Annual, semiannual, quarterly and monthly

Coverage and Benefit

Brief Coverage Schedule
The Company shall pay the benefit for the reasonable and necessary expenses that occur from medical treatment performed based on medical necessity and medical standard according to actual expense amount after deducting the deductible (if any) responsible by the insured, but not exceeding the benefits as stated in the coverage schedule.


Coverage Plan

Plan 1,000,000

Plan 5,000,000

Inpatient benefits (IPD)


Daily room, board, and nursing service fees (not exceeding standard room fee), up to 180 days per hospitalization

Pay by actual amount

  ICU room fee of up to 60 days per hospitalization

  Daily physician visit fee

  Surgeon fee and medical procedures expenses

  Anesthesiologist and/or nurse anesthetist fee

  Operating room and operating equipment fee

  Other general hospital expenses
(including home medication expenses of up to 7 days, but not exceeding 20,000 Baht per hospitalization)

Maximum benefit per hospitalization



Coverage Area (Thailand)


Feel Free to Choose Let’s Choose Your Right Coverage

Options With Deductible

Maximum Benefits of
1,000,000 Baht

Maximum Benefits of
5,000,000 Baht

Deductible per hospitalization








Example Annual insurance premium for male aged 35 years old








Example Annual insurance premium for female  aged 35 years old








Any hospitalization means a stay in a hospital as an inpatient for medical treatment, including two or more stays in a hospital due to the same cause or disease or complications of the same disease, where the gap between each hospitalization shall not exceed 90 days from the last discharge date, and the treatments shall be considered as the same hospitalization        

The actual expense means the remaining expenses after deductions of social welfare or other welfare and/or other insurance policies bought from any company.


*For IPD sum insured of 5 million Baht per any hospitalization

Exclusions of D Health Rider from a total of 26 clauses

For example, this rider shall not cover medical expenses or damages from injuries or illnesses (including its complications), conditions, or abnormality arising from any of the following causes.
    1. Chronic disease, illness or injury that has not been cured prior to the insurance contract formation date, treatment for congenital disorder, or pervasive developmental disorder or genetic disorder
    2. Cosmetic surgery or treatment or any other treatments for skin beauty purposes, pimple, blemish, and freckle treatments, dandruff and hair fall treatment, or weight control, or elective surgeries, except for reconstructive surgery required due to an accident under the coverage, etc. 


Waiting Period

(a) Not cover any illness which incurs within 30 days from the effective date or the latest date of renewal of the rider, whichever is the latest.

(b) Not cover any illness due to the following diseases or abnormality (including its complications) which incurs within 120 days from the effective date or the latest date of renewal of the rider, whichever is the latest.

1. Tumors, cysts, or all types of cancer

2. Hemorrhoids

3. All types of hernia

4. Pterygium or cataract

5. Tonsillectomy or adenoidectomy

6. All types of stone 

7. Varicose vein

8. Endometriosis


Buyers should have an understanding in the details of coverage and conditions every time before making a decision to purchase insurance


Q: What is the insurable age and when does the coverage end? 
A: Entry age is 11 years old to 80 years old. The coverage is provided until the age of 99.

Q: Does D Health Rider need to be attached to a base life insurance policy?
A: Yes, this health rider must be attached to a base life insurance policy.

Q: After I buy it, will it be effective immediately?
A: Illnesses must occur 30 days after the effective date of this rider. However, the following diseases will be covered if they occur 120 days after reinstatement or the effective date of this rider.

Tumors, cysts or all types of cancer   Hemorrhoids 
 All types of hernia  Pterygium or cataract
 Tonsillectomy or adenoidectomy All types of stones
 Varicose vein          Endometriosis

Q: Does premium of D Health Rider increase based on increasing age range?
A: Yes, it is based on increasing age range of the insured.

Q: Does D Health Rider cover daily benefit of room, board and nursing service fees in case of hospitalization in Intensive Care Unit (ICU)?
A: Yes, it provides lump sum coverage based on actual expense and up to 60 days. Combined with the daily benefit of room, board and nursing service fees, total benefit will be paid for up to a maximum of 180 days.

Q: Do all plans of D Health Rider have deductible options?
A: D Health Rider has coverage plans with and without deductible. If the customer chooses a coverage plan without deductible, D Health Rider will provide first Baht coverage.

Q: What is coverage area of D Health Rider?
A: Coverage area is only in Thailand, except cases of injury due to accident or illness that need emergency treatment whereby the first hospitalization date must be within 90 days after traveling outside the coverage area each time.

Q: Is health checkup required when applying for D Health Rider?
A: It is subject to the Company’s rules.  

Q: Is premium of this rider eligible for tax deduction?
A: Yes, it is eligible for personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 383. 


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