Highlight benefits

Comprehensive Lump Sum Coverage

Medical expenses for epidemics, critical illnesses and general diseases

Super Lump Sum Coverage

Medical coverage up to 500,000 Baht per any hospitalization*

Lump Sum Coverage for All

Room fee of 4,000 Baht per day* with the doubled amount for ICU hospitalization

Enquiry

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Why do you have to be worried about medical expenses even in time of sickness? Regardless of welfare, stay happy with health coverage from Mao Chai Extra Campaign from Muang Thai Life Assurance that could help ease the burden of medical expenses of up to 500,000 Baht*. It also covers epidemics, COVID-19 , effects after COVID-19 vaccination, general diseases or critical illnesses and room fee of 4,000 Baht per day*. Even without welfare, you can still receive inclusive coverage. Let's make the matter easy for you.

Information of Insurance Plans

Entry Age

From 11-75 years old with coverage period until the age of 81

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

Mao Chai Extra Campaign
Coverage Plan
Plan 1 Plan 2 Plan 3 

Premium

31 Baht / day 36 Baht / day 37 Baht / day

Coverage

200,000 Baht 500,000 Baht
Medical Treatment Expense
(per any hospitalization)
Pay by actual amount
Room Fee (per day) 2,000 4,000
ICU Room Fee 4,000 8,000
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 1,000 Baht

- For 35-year-old male insured choose monthly mode of premium payment

Remarks

* In case of choosing coverage plan 3

- Mao Chai Extra Campaign is a marketing name of Extra Care Rider (N).
- Extra Care Rider (N) 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 service fees for up to 180 days per any hospitalization
- ICU room fee for up to 15 days per any hospitalization
- Home medication expenses based on medical necessity for up to 7 days, but not exceeding 1,000 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 (Mao Chai Extra Campaign)

Q: What are advantages of Mao Chai Extra Campaign and why do I have to buy it?
A: Mao Chai Extra Campaign provides lump sum coverage based on actual amount. It covers both illness and surgery for critical illnesses and general diseases of up to 500,000 Baht per any hospitalization (*). You can get coverage with affordable premium, and hospitalization at any hospital with additional room fee of 4,000 Baht per day(*).
 
Q: Who should apply for Mao Chai Extra Campaign?
A: It is suitable for freelancers or fresh graduates who do not have medical welfare or would like to have additional health coverage. Mao Chai Extra Campaign will give peace of mind and lighten burden of medical expenses in case of unexpected events.
 
Q: What is coverage of Mao Chai Extra Campaign?

A: Mao Chai Extra Campaign provides lump sum coverage based on actual amount for daily room, board, and nursing service fees for both illness and surgery in case of inpatient hospitalization. It covers critical illnesses and general diseases up to 500,000 Baht per any hospitalization (*), additional room fee of 4,000 Baht per day(*) and doubled amount for ICU hospitalization (up to 120 days when combined).
 
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: Does the premium of Mao Chai Extra Campaign increase based on increasing age of the insured?
A: Yes, the premium increases based on increasing age of the insured.

Q: Is Mao Chai Extra Campaign 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:
(*)In case of choosing coverage plan 3

Pre-Existing Conditions and Exclusions

Pre-existing Condition

The Company shall not pay benefit under this rider for chronic disease, illness (including complications) or injury that is not cured before the effective date of this rider, unless

1) The insured has declared to the Company’s acknowledgment and the Company agrees to accept the risk without imposing exclusions to the coverage, or
2) 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 a physician within 5 years before the initial effective date of this rider, and within 3 years from the initial effective date of this rider.

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

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.

 

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/cance
- All types of hernia
- Tonsillectomy or adenoidectomy
- Varicose vein
- Hemorrhoid
- Pterygium or cataract
- All types of stone
- Endometriosis    
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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