CIMB Thai Cover Care Plus

Key Features

• Get comprehensive coverage for IPD with actual medical expenses benefit up to THB 5,000,000 per policy year
• Get lump sum out-patient medical benefit up to THB 30,000 per policy year
• Customize plan as per your unique needs Lower your premiums with Inpatient Hospital Deductible plan
• Get a lump sum upon first diagnosis with cancer up to millions baht at once
• A health insurance premium, up to a maximum of THB 25,000, is eligible for personal income tax deduction (according to the conditions of the Revenue Department) 

Tax Benefits

A health insurance premium, up to a maximum of THB 25,000, is eligible for personal income tax deduction. However, the deduction for this premium together with the life insurance premiums paid cannot exceed THB 100,000 in total (according to the conditions prescribed by the Revenue Department).

Product Features

Waiting Period

1. The company will not pay any benefit under this Hospital and Surgical Rider 3 for 1) any illness that occurs within 30 days from the effective date of this Rider, or on the date that the company approves to increase the benefit amounts of this Rider, whichever occurs later, or 2) any of the following illnesses : Tumor, Cyst, or all types of cancer, Hemorrhoid, All types of hernia, Pterygium or Cataract, Tonsillectomy or Adenoid, All types of stone diseases, Varicose veins in the leg, Endometriosis, that occurs within 120 days from the effective date of this Rider, or on the date that the company approves to increase the benefit amounts of this Rider, whichever occurs later. In case the company approves to increase the benefits, only the increased benefits will not be covered by the company, and the waiting period for pre-existing conditions as mentioned earlier shall not apply. The company shall provide coverage if the life assured suffers injury or in need of emergency surgery which is unrelated to any pre-existing conditions.
   
2. The company will not pay any benefit under Outpatient Benefit Endorsement attached to this Hospital and Surgical Rider 3 for any illness that occurs within 30 days from the effective date of this Endorsement, or on the date that the company approves to increase the benefit amounts of this Endorsement, whichever occurs later.
3. This Cancer Rider will not cover any claim arising due to the occurrence or acknowledgement of cancer or abnormalities confirmed by a physician and has clearly proven that it is related to the cancer, as defined under the terms of this Rider, which initially being diagnosed by a physician within 90 days from the effective date of this Rider, or the date of reinstatement of this Rider, or the date that the company approves the increase of sum assured amount of this Rider, whichever is the latest. In case of the increase of sum assured, the waiting period shall apply to the portion of the increased sum assured only.

Health coverage and medical expenses

Note

1.CIMB Thai Cover Care Plus Life Insurance Plan" is the name for marketing purposes only, whereas in life insurance policy document will be "One-year life insurance policy (Non-Par)" and "Hospital and Surgical Rider 3" together with "Outpatient Benefit Endorsement attached to Hospital and Surgical Rider 3" and "Cancer Rider".

2.The applicant should understand coverage details and all the terms and conditions clearly before making the final commitment.

3.This is a life insurance product. It is not a bank deposit. To maximize the benefits from the insurance policy, the insured should continuously pay the premium through to the end of the premium payment period and hold the policy until the end of the contract. If the policy is terminated before the end of the contract, the insured may not receive the maximum benefits from the policy or the full amount of premiums paid.

4.Policy benefits are tax-free and are not subject to legal enforcement (except for insurance premiums that have already been paid).

5.It is the insured’s responsibility to pay premium. An insurance agent or broker that accepts a premium payment by the insured is solely for the purpose of providing service to the insured.

6.The insured has a right to cancel the policy within 15 days from the date of receipt of the policy document. The insured will get the remaining premium after deducting the company’s expenses of THB 500 and health checkup fee (if any).

7.This document provides essential information about the insurance plan. The applicant should read and study additional details regarding benefit payment terms, conditions, requirements, exclusions, and policy benefits outlined in the insurance policy issued by the company.

8.Insurance policy exclusions

   (1) In the event of non-disclosure or misrepresentation, the company will terminate the contract within 2 years from the effective date or       renewal or reinstatement of the insurance policy or the approval date to increase the sum assured (only for the increased part).

  (2) In the event of suicide within one year from the policy effective date or renewal or reinstatement or the approval date to increase the sum   assured (only for the increased part), or the insured gets intentionally murdered by the beneficiary.

(Please refer to the insurance contract for complete details of exclusions.)

9.A health insurance premium, up to a maximum of THB 25,000, is eligible for personal income tax deduction. However, the deduction for this premium together with the life insurance premiums paid cannot exceed THB 100,000 in total (according to the conditions prescribed by the Revenue Department).

10.The underwriting is subject to conditions and criteria set by the company.

11. CIMB THAI BANK Public Company Limited, is a life insurance broker and has responsibility for an action as a life insurance broker only. This insurance product is underwritten by Prudential Life Assurance (Thailand) Public Company Limited.

12. If you have any questions or require any further information, please contact.

• Any branches of CIMB THAI BANK Public Company Limited, CIMB Thai Care Center 0 2626 7777, CIMB Thai website www.cimbthai.com
• Prudential Life Assurance (Thailand) Public Company Limited. Customer Service Center 1621 FAX: 0 2353 4888, or email: hotline@prudential.co.th

Warning : The applicant should study, read and understand the sales documents before deciding to purchase insurance. When receiving the policy, please study the details of the terms and conditions in the policy.