Highlight benefits

Affordable Premium

Starts from 285 Baht/month(2)

Coverage for Medical Expenses that Exceed Existing Coverage

up to 500,000 Baht(1)

Coverage for Patient Room

up to 4,000 Baht/day(1)

Enquiry

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I hereby agree and give my consent to Muang Thai Life Assurance Public Company Limited to collect and use my given information to disclose such information to life insurance agents, life insurance brokers, and business partners for the purposes of sale offering of life insurance plans and/or proposing other privileges to me.
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You are our special person. This health rider helps you get rid of concerns over exceeding medical expenses from existing welfare coverage with affordable premium.

Insurance conditions

Insurable Age

18 – 75 years old

Coverage Period

Until 81 years old; however, it must not exceed the coverage period of the life insurance that this rider is attached to.

Mode of Premium Payment

Annual, semiannual, quarterly and monthly

Tax Deductible

Receive tax benefit 

Remarks

(1) For Plan 3  it is the medical coverage per hospitalization and deductible of 20,000 Baht per hospitalization.
(2) For plan 1, healthy  insureds aged between 18-20 years old
Extra Care Plus Campaign is a marketing name of Extra Care Rider (N).

- Underwriting is subject to the Company’s rules.
- Premium of this rider is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 383.
- Extra Care Rider (N) must be attached to the policies in force.
- Terms of Service of  MTL Global Connect are as specified by the Company

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

Exclusions of Extra Care Rider (N) from a total of 21 clauses

For Example, The rider shall not cover medical expenses or damages that incurred from injury or illness (including its complications), conditions, or abnormality that arise from:
- Cosmetic surgery or any other diagnosis or treatments for skin beauty purposes, pimple, blemish, and freckles treatment, dandruff and hair fall treatment, or weight control, or elective surgeries, except for reconstructive surgery required after an accident incurred whilst the rider is effective
- General medical checkup, individual request for admission in a hospital,or individual request for surgery, rest recovery or rest cure, or hospitalization with assistant, diagnosis or treatment which is not directly related to the illness that is the reason of hospitalization, diagnosis of injury or illness, treatment or diagnosis to find a cause which is not a medical necessity or not based on medical standard
- Diagnosis and treatments of ophthalmic disorders and LASIK surgeries, expenses on visual aids or treatment of vision abnormality
-Treatment or rehabilitation for narcotic substance, cigarette, alcohol or psychotropic substances
- Diagnosis and treatment other than conventional medicine, including alternative medicine

Conditions existing during the waiting period which are:

-  Any illnesses which exist within 30 days counting from the effective date or the latest date of renewal 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 renewal of the rider, whichever is the latest.

1. Tumors, cysts, or all types of malignancy/cancer 2.All types of hernia 3.Tonsillectomy or adenoidectomy 4.Varicose vein 5.Hemorrhoid
6.Pterygium or cataract 7.All types of stone  8. Endometriosis

Policy Renewal on anniversary date and Premium Adjustment

Policy Renewal on Anniversary Date
This rider may be renewed on the policy’s anniversary date without having to provide evidence but the company reserves the right to adjust the premium as specified in section 14: Premium Adjustment, as approved by the Insurance Commissioner, except in any of the following event, the company shall reserve the right not to renew the rider. If decided not to renew the rider, company must inform the insured in writing at least 30 days before the end of the effective period.

1) In case there is the evidence that the insured omits the disclose any fact in the insurance application form or reinstatement form, health declaration form and other declarations related to the formation of health insurance rider which is material so that the Company may be induced to charge higher premium, or refuse to enter into the insurance contract, or provide the coverage with conditions.
2) The insured makes a claim from the fact that he/she has requested for the treatment for injury or illness without medical necessity.
3) The insured makes total claims from all companies for compensation from hospitalization higher than the actual income.

Premium Adjustment
The company may adjust the premium on policy anniversary date due to many factors such as:

1) Age, career class of each individual.
2) Increased medical fees or overall loss ratio under this rider by notifying the insured in writing at least 30 days in advance.
However, the adjusted premium must be within the amount already approved by the Insurance Commissioner.


Warning

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

Benefit



FAQ

1. What is insurable age and when does the coverage end?
- Insurable age is from 18-75 years old and the coverage period is provided until the age of 81.

2. Does Extra Care Rider (N) need to be attached to a life insurance policy (base contract)?
Yes, this health rider must be attached to a life insurance policy.

3. After I buy it, will it be effective immediately?
-  Any illnesses which exist within 30 days counting from the effective date or the latest date of renewal 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 renewal 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

4. Does premium of Extra Care Rider (N) increase based on increasing age range?
Yes, it is based on increasing age range of the insured.

5. What is deductible?
It is the amount of expenses paid by the insured, other welfare or other policies (if any). Extra Care Rider (N) will cover the amount exceeding the deductible amount. The limit is in accordance with a chosen plan.

6. Does Extra Care Rider (N) cover room and board fees, daily hospital fee, and hospitalization in Intensive Care Unit (ICU)?
Yes, it covers up to 15 days. When accumulated with the benefit of daily room and board fees, this shall not exceed 120 days. The Company shall pay 2 times the room and board fees, and daily hospital fee. 

7. Is health checkup required when applying for Extra Care Rider (N)?
It is subject to the Company’s rules.  

8. Is it entitled to tax deduction?  
Yes, it is entitled to 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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