Highlight benefits

Long-Term Health Coverage

Entry age is until the age of 80 with long-term coverage period until the age of 99.

Coverage to the Max

Lump sum coverage up to 5MB*. Hospitalization in standard single room at every hospital.

Adjust your plan as you want.

In retirement, you can reduce deductible to receive more coverage without the need to declare health information again.

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If you are looking for easy-to-understand health insurance to upgrade your existing health coverage, D Health Rider from MTL is truly for you. Get coverage for medical expenses in case of hospitalization including standard single room fee at every hospital, doctor fee, medication fee and surgery fee in a lump sum up to 5 MB*. It also covers illnesses due to epidemics, COVID-19, effects after COVID-19 vaccination, general diseases or critical illnesses.

Information of Insurance Plans

Entry Age

From 11-80 years old with coverage period until the age of 99

Tax Deductible

Enjoy the tax benefit at the end of the year with eligible amount for tax deduction of up to 25,000 Baht.

Premium Payment

Pay premium on monthly installment.

Coverage and Benefit

D Health
Coverage Plan
Plan 5,000,000

Premium

55 Baht / day 25 Baht / day 11 Baht / day

Coverage

5,000,000 Baht
Deductible None 50,000 Baht 100,000 Baht
Medical Treatment Expense
(per any hospitalization)
Pay by actual amount
Room Fee (per day) Standard single room
ICU Room Fee Pay by actual amount
Coverage Epidemics, critical illnesses in all stages, general diseases, COVID-19
and effects after COVID-19 vaccination

Hospitalization Any hospitals
Waiting Period 30 days
Additional Benefits
Home Medication Expense 20,000 Baht

-For 35-year-old female insured choosing annual mode of premium payment

Convertible Option

Upon the retirement, you can reduce deductible to receive more coverage without the need to declare health information again.



Convertible Option Conditions click

Remarks

* For IPD sum insured of 5 MB per any hospitalization

- D Health Rider must be attached to a policy which is still in force only.
- The coverage of this rider must not exceed the coverage period of the life insurance policy to which this rider is attached.
- Room, board, and nursing service fees (standard single room) for up to 180 days per any hospitalization
- ICU room fee for up to 60 days per any hospitalization
- Home medication expenses based on medical necessity for up to 7 days, but not exceeding 20,000 Baht per any hospitalization
- Waiting period for illnesses due to general disease is 30 days.
- Underwriting is subject to the Company’s rules.
- Extra coverage for effects after COVID-19 vaccination is subject to the conditions. The coverage is effective from 11 May – 31 December 2021.
- Premium is eligible for tax deduction. Conditions are as specified by the Revenue Department.
- Please study coverage details, conditions and exclusions before making a decision to purchase insurance.

FAQ (D Health)

Q: What are advantages of D Health Rider and why do I have to buy it?
A: D Health Rider provides lump sum coverage for medical expenses in case of hospitalization of up to 5 MB(1). It provides coverage for critical illnesses, general diseases, epidemics and accident in lump sum including standard single room fee, ICU room fee, doctor fee, medication fee, examination fee, and surgery fee with premium of lower than 55 Baht(2) per day. The premium of this rider is eligible for tax deduction of up to 25,000 Baht. In case of sickness, you will have no worries as you have health insurance to lighten the burden of medical expenses.
 
Q: Who should apply for D Health Rider?
A: D Health Rider is suitable for everyone who would like to purchase health insurance with simple conditions, but high coverage such as those who do not have existing health benefits, but would like to purchase lump sum coverage for inpatient hospitalization, and those who have insufficient health benefits, and would like to upgrade the coverage amount. You can choose to pay premium on top of the existing coverage by not having to pay double premium. It is also suitable for children who want to purchase health insurance for their parents because its entry age is from 11-80 years old and coverage period is until the age of 99.
 
Q: Will it be effective immediately if I buy it?
A: The rider has the 30-day waiting period after the effective date. The following diseases will be covered if they occur 120 days after the effective date or the latest reinstatement date of the rider according to the conditions stated in the contract: Tumors, cysts, or all types of malignancy/cancer, hemorrhoid, all types of hernia, pterygium or cataract, tonsillectomy or adenoidectomy, all types of stone, varicose vein and endometriosis
 
Q: What is coverage of D Health Rider in case of hospitalization?

A: You can be at ease even in the case of hospitalization when you have D Health Rider. It provides lump sum coverage for medical expenses in case of hospitalization of up to 5 MB(1) including standard single room, board and nursing service fees, ICU room fee for up to 60 days (up to 180 days when combined with daily benefit of room, board and nursing fees), doctor fee, medication fee, examination fee, and surgery fee which will be paid by actual amount.
 
Q: What is deductible option, and do all plans of D Health Rider have deductible options?
A: D Health Rider has coverage plans with and without deductible option. It is based on the plan you choose.

Deductible is
It is the amount of medical expenses paid by the insured, other welfare or other policies (if any).
For example, you choose to apply for the plan with 30,000-Baht deductible.
Medical expenses and other expenses according to the coverage are 100,000 Baht.
You are required to pay for the first 30,000 Baht.
D Health Rider provides coverage for 70,000 Baht but not exceeding the limit of the chosen plan.
 
Q: Is D Health Rider eligible for tax deduction?
A: Yes, it is. The premium of this rider is eligible for personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 383.

Remark:
(1) For IPD sum insured of 5 MB per any hospitalization
(2) For the insured aged 35 with coverage plan of 5 MB and annual mode of premium payment
(3) It is subject to the Revenue Department.
Read more, click.

Pre-Existing Conditions and Exclusions

Pre-existing conditions which are:
Chronic disease, illness (including its complications) or injury which has not been cured before the effective date or the latest reinstatement date of the rider, whichever is the latest; unless
-The insured has declared to the Company and the Company has approved to accept risk without exclusions of such coverage; or
-This rider has been effective for at least 3 years consecutively where such chronic disease, injury or illness (including its complications) is asymptomatic and has not been treated or diagnosed by a physician, or has not been seen or consulted by a physician within 5 years before the first rider effective date.

Exclusions of D Health Rider from a total of 26 clauses
For example, the rider shall not cover medical expenses or damages from injury or illness (including its complications), conditions, or abnormality that arises 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 delay developmental or genetic disorder
2. Cosmetic surgery or any other treatments for skin beauty purposes, pimple, blemish, and freckles treatment, dandruff and hair fall treatment, or weight control, or elective surgeries, unless it is a skin grafting arising from accident that the rider covers, etc.

Conditions existing during the waiting period

- Any illnesses which exist within 30 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest; or
- Illnesses due to the following diseases which exist within 120 days counting from the effective date or the latest date of reinstatement of the rider, whichever is the latest.
- Tumors, cysts, or all types of malignancy/cancer
- All types of hernia
- Tonsillectomy or adenoidectomy
- Varicose vein
- Hemorrhoid
- Pterygium or cataract
- All types of stone
- Endometriosis    

Policy Renewal on anniversary date and Premium Adjustment

Policy Renewal on Anniversary Date

This rider may be renewed when reaching policy anniversary on the date specified in the insurance policy by paying premium on the day of or day before the due date of premium payment according to the Company’s premium rate applicable at that time. The premium rate shall be calculated according to the insured’s age as of the rider renewal date. However, the Company reserves the right to review and adjust the premium rate periodically upon the discretion of the registrar.

The insured has the right to terminate this rider by notifying the Company in writing within 30 days prior to the policy anniversary. Meanwhile, the Company reserves the right not to renew this rider by notifying the insured at least 30 days in advance.

Premium adjustment

The Company shall adjust the premium rate in the policy year according to the insured’s changed age and/or changed occupation at a rate that the Company received approval from the Registrar. In such case, the Company shall notify the insured at least 30 days in advance in writing.

FAQ for Convertible Option

Q: What is the convertible option?
A: It is an option to reduce deductible (change for more coverage). The insured receives a privilege to not going through the underwriting process again (without the need to declare health information again). Moreover, waiting period and pre-existing conditions according to the changing plan will not be applied.

Q: What products are available for the convertible option?
A: At present, the Company provides the privilege for D Health Rider Plan with Deductible, including D Kids Project (excluding those attached to unit-linked insurance) according to conditions specified by the Company.

Q: Are all plans of D Health Rider available for the convertible option?
A: No, they do not. The insured can exercise the right according to the deductible reduction schedule.
In this regard, the coverage plan after conversion is subject to the Company’s available coverage plan at that time.

Q: Can the convertible option change benefit limit per any hospitalization?
A: No. Convertible option is an option to reduce deductible which the benefit limit must be equivalent to the original coverage plan.

Q: For eligible age range of only 55-65 years old for the convertible option, what are the criteria for that?
A: Considering from age based on policy year (year of birth – current year and count based on policy anniversary)

Q: Is there any additional fee for the convertible option?

A: There is no fee for exercising the convertible option.

Q: How much is the premium for the convertible option?
A: The Company shall calculate the premium based on the new chosen plan. In this regard, the premium schedule for the coverage plan after the conversion is subject to the Company’s available coverage plan at that time.

Q: When can the insured exercise the right for the convertible option?
A: In case the insured meets the conditions of the convertible option, the Company will notify and deliver Convertible Option Request Form 3 months in advance before reaching the policy anniversary when the insured attains the age of 55. In case the insured would like to exercise the right, once they receive the documents, they can inform the Company immediately. In this regard, the insured needs to inform the Company before reaching the policy anniversary when the insured attains the age of 66 only.
Warning : Buyer should have an understanding in the details of coverage and conditions every time before making a decision to purchase insurance.

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