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Benefits & Privileges

Cash Benefit Long Term Coverage Tax Benefit
Cash Benefit
Long Term Coverage
Tax Benefit

Key Features

1. Pay actual expense but not exceed the annual coverage limit.

2. No medical expense limit per hospitalization but not exceed the annual coverage limit.

3. The coverage is clear, no hidden conditions.

4. Provide daily compensation benefit during hospitalization.

5. No advance payment is required for medical expense.

Tax Benefits

Life insurance premium is eligible for tax-deductible for actual amount paid but not exceeding 100,000 baht per years. (According to the revenue department director's announcement No.172) Health insurance premiums Tax deduction up to 15,000 baht However, when combined with life insurance premiums, it must not exceed 100,000 baht per year. (According to the revenue department director's announcement No.383)

Benefits and Coverage

Survival Benefit

Company will pay between 100% of Sum Assured or Total Premium Paid (whichever is higher)

 

Death Benefit

Company will pay between 100% of Sum Assured or Cash Value or Total Premium Paid (whichever is higher)

 

Total Permanent Disability (for standard case)

Free for Waiver of Premium Rider (for standard case)

In the event of Insured’s becomes totally and permanently disabled (TPD) before the payer reaches age 60. The company will waive the basic’s premium until the anniversary date. Not included other rider premiums.

Total Permanent Disability definitions

1.      Loss of both eye sights, total and incurable blindness

2.      Loss of hands or feet

3.      Loss of one eye sight and hand, or one foot

Loss of hand or feet means writs being amputated, ankle being or loos of use of amputated functionality

 

Eligibility & Requirements

Coverage Gender Insurable Age Coverage Term Payment Term

1.Main Policy

Life Benefit

Male/Female

at age 16 – 70 years

(Renewal until age 79 years)

Until age 80 years Until age 79 years
2.Rider

Health Coverage

Male/Female

at age 16 – 70 years

(Renewal until age 79 years)

Until age 80 years Until age 79 years

Hospitals Benefit

Male/Female

at age 16 – 60 years

(Renewal until age 69 years)

Until age 70 years Until age 69 years
3. Sum Assured (Life) : 100,000 Baht

4. Health check-up is in accordance with the conditions of the company

5. Health declaration is important  factors for underwriting consideration

6. Health declaration is an important part of insurance consideration. All questions must be answered truthfully. Making any false statements or concealing any facts may cause the company Disclaimer and can refuse compensation

Plan                                                                                        (Unit : Baht)

Detail Silver Gold Platinum Preferred
Life insurance (1),(2) 100,000 100,000 100,000 100,000
Health Benefit
Maximum Coverage per policy year 1 MB 5MB 15MB 30MB
2.1 Inpatient hospitalization  
Group 1  Hospital room & board, food and hospital service (Inpatient) per confinement 2,000 baht 3,000 baht 6,000 baht 12,000 baht
Per day Per day Per day Per day
In the event of ICU, in aggregate with hospital room & board, food and hospital service (Inpatient) shall be paid as charged (not exceed 365 days per confinement) As charged
Group 2  Fees for medical service, diagnosis, treatment, blood service, nurse service medicine, intravenous nutrient and medical supplies per policy year
2.1 Medical service fee for diagnosis As charged
2.2 Treatment medical service, blood service and nursing service As charged
2.3 Medicine, intravenous nutrient and medical supplies As charged
2.4 Medicine, expendable medical supplies (Supply 1) to take home (per admission) (Maximum 7 days) 20,000 baht 20,000 baht 20,000 baht As charged
Group 3 Fees for medical professional service (physician), examination, physical services per confinement (Maximum 365 days) As charged
Group 4

Fees for surgery and procedures per policy year

4.1 Operating or medical procedure room As charged
4.2 Medicine, intravenous nutrient, medical supplies and surgical device As charged
4.3 Medical professional service, physician (and assistant) fee, surgery and procedure (Doctor fee) As charged
4.4

Physician fee - Anesthesiology (Doctor fee)

As charged
4.5

Organ transplantation

As charged
Group 5 Day surgery(3) As charged
2.2 Outpatient medical expense in case the Insured visits the hospital as an outpatient(5)
Group 6 Fees for diagnosis from directly related treatment before and after IPD treatment or OPD treatment which directly related to IPD treatment per policy year
6.1 Fees for diagnosis from directly related treatment within 30 days before and after any IPD treatment As charged
6.2 Fees for OPD treatment after any IPD treatment or continuous treatment within 30 days after that IPD treatment (excluding fee for diagnosis) As charged
Group 7 Fee for OPD treatment of injury within 24 hours of each accident

As charged

Maximum 2 times per confinement

Group 8 Post-treatment rehabilitation per time per policy year As charged (maximum 2 times)
Group 9 Fee for physician performing treatment of chronic renal failure - dialysis through the vein per policy year As charged
Group 10 Fee for physician performing cancer radiation therapy, interventional radiology, or nuclear medicine-therapeutic per policy year As charged
Group 11 Fee for physician performing chemotherapy including targeted therapy per policy year As charged
Group 12 Emergency ambulance service fee As charged
Group 13 Medical expenses on minor surgery(4) As charged
3. Additional coverage
3.1 Hospital Income Benefit (HB) - max 500 days 1,000 baht 2,000 baht 3,000 baht 3,000 baht
Per day Per day Per day Per day
3.2 Hospital Income Benefit (HB) - Day Case (Receive daily compensation for 1 day) 1,000 baht 2,000 baht 3,000 baht 3,000 baht
Per day Per day Per day Per day

(1) Company will pay between max(100% of Sum Assured or Total Premium Paid )

(2) Company will pay between max(100% of Sum Assured or Cash Value or Total Premium Paid )

(3) Day Surgery refers to a major surgical procedure or a medical procedure to replace major surgical procedure or using specific treatment equipment to replace major surgical procedure which does not require staying overnight in hospital.

(4) Minor Surgery refers to a surgical procedure on superficial tissue or subcutaneous tissue or tissue using local / topical anesthesia.

(5) The total benefits in Group 1-13 must not exceed the maximum benefits per policy year

(6) The payment of benefits in clauses 3.1 and 3.2 combined for a maximum of 500 days per hospital stay

Premium Rate

  • Depend on age, gender and class.

 

Premium Payment Method

  • Premium is payable by annually / semi-annually / quarterly and monthly (pay 2 months in advance).
  • First year premium is payable via cash, cheque, credit card (Visa, Master Card, JCB).
  • Renewal year premium is payable via cash, cheque, credit card (Visa, Master Card, JCB) and direct debit. For direct debit, the account details and bank are collected upfront in the proposal form.

Remark

  • The information herein is only partial that is intended for the sales purposes only and not considered an integral part of the insurance contract. Insured are advised to study and understand the policy for their own benefit.
  • Insured should understand the details pertaining to coverage and conditions prior to committing to any insurance plan.
  • This product is a life insurance not a deposit. Insured should pay the insurance premium until the completion of the insurance premium payment period and hold it until maturity in order to gain the maximum benefit. In case of the coverage ends prematurely, insured may not reacquire the principal in its entirety or at all.
  • CIMB Thai Bank Plc. is only an insurance broker that recommending the channel for the insurance and receives an insurance premium under the name of Thai Life Insurance Plc. only, If you have any query about Life insurance, please contact Thai Life Insurance Plc. Tel. 0 2247 0247
  • Contact : All branches of CIMB Thai Bank Plc., CIMB Thai Care Center 0 2626 7777, CIMB Thai website  www.cimbthai.com
  • Life insurance is provided by Thai Life Insurance Plc. The bank is merely the broker that recommending the channel for the insurance.