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Key Benefits

Benefits

6 coverage plans for As-charged benefit which have maximum benefit per policy year from 3 - 100 MB.

Entry Age: 6 – 80 yrs., can renew until age 89 yrs. and cover until age 90 yrs.

Cover As-Charged medical expense both in-patient and out-patient according to the benefit plan bought

Cover medical expenses for surgical fee, medical treatment for kidney and cancer by chemotherapy and Targeted Therapy.

Cover medical treatment and healthcare i.e. alternative treatment, psychiatric treatment, health check-up, vaccination.

Taking care of mother-to-be with pregnancy and maternity coverage plan.

Traveling with no worries, cover medical treatment in case of emergency arising outside Thailand within the period of 90 days starting from the departure date.

Special premium discount at 10% of the renewal rider premium in case of no claim and policy effective continuously 3 years.

Health insurance premiums are tax deductible according to the conditions of the Revenue Department.

Term and Condition of insurance policy

No. of coverage plan

6 plans : Smart, Bronze, Silver, Gold, Diamond and Platinum.

Maximum benefit per policy year

Smart Plan : 3 MB.

Bronze Plan : 10 MB.

Silver Plan : 15 MB.

Gold Plan : 25 MB.

Diamond Plan : 70 MB.

Platinum Plan : 100 MB.

Entry Age

Smart and Bronze Plan : 6 - 80 yrs.

Silver, Gold, Diamond, Platinum Plan : 11 - 80 yrs.

Payment Period / Cover Period

1 yr. (Renew every year until age 89 yrs. and cover until age 90 yrs.)

Area of Coverage

Thailand

Basic plan and rider attachment

iHealthy Ultra Rider can attach with basic plan and rider according to the underwriting guidelines.

Underwriting

Full Underwriting The Insured can purchase only 1 policy per person only for As-charged health rider)

Important Provisions

1. Waiting Period

- 30 days from the effective date of this rider for illness   

- 120 days from the effective date of this rider for illness as follows; Tumor, cyst, or all types of cancer, Hemorrhoids, All types of hernia, Pterygium or cataracts Tonsillectomy or adenoids, All types of stones, Varicose veins in the leg , Endometriosis  

- 12 months (12MWP) from the effective date of this rider for medical expense of pre- and post natal complication, medical treatment of pregnancy and maternity, expense of health check up and medical expense of palliative care.

2. Example Exclusion

Congenital abnormalities, AIDS or venereal disease or sexually transmitted diseases.

Remark

Customers should understand the details of the coverage and conditions before making a decision to purchase an insurance policy every time.

Q&A

1. Who is the customer target group of iHealthy Ultra product?

iHealthy Ultra rider is the health rider for

1. Government officer or company employee who would like to get medical expense coverage top up from emloyee benefit.

2. Freelance, YouTuber or Online business owner who would like to get medical expense coverage when illness and don't want to burden with family.

3. Business owner or High income customer who would like to get the best medical treatment from hi-end hospital.

2. What is the key selling point of iHealthy Ultra?

The key selling point of iHealthy ultra as follow;

- iHealthy Ultra is As-Charged health rider which it has many coverage plans and maximum benefit per policy year to match with difference customer need from 3MB. - 100MB.

- Can renew to get coverage until age 90 yrs.

- Coverage both IPD and OPD benefit.

- Cover medical expenses for surgical fee, medical treatment for kidney and cancer by chemotherapy and Targeted Therapy.

- Cover medical treatment and healthcare i.e. alternative treatment, psychiatric treatment, health check-up, vaccination.

- Cover medical treatment in case of emergency arising outside Thailand within the period of 90 days starting from the departure date.

- Special premium discount at 10% of the renewal rider premium in case of no claim and policy effective continuously 3 years.

3. Does iHealthy Ultra rider cover OPD benefit?

Yes, it does. iHealthy Ultra rider cover OPD benefit for some plan as Silver Plan, Gold Plan, Diamond Plan and Platinum Plan.

4. Does iHealthy Ultra rider cover medical expense in case of travel out of area of coverage?

Yes, it does. iHealthy Ultra rider cover medical treatment only for emergency treatment arising within the period of 90 days starting from the departure date.

5. How does the customer get 10% discount of renewal premium?

In case of customers no claim and policy effective continuously 3 years, they will get 10% discount in the next policy year i.e. customers continue to pay premium and no cliam in the 1st - 3rd policy year --> they will get 10% discount in the 4th policy year.

6. How does the premium adjustment of iHealthy Ultra rider?

Normally health insurance premium will increase according to the increasing in insured's age, iHealthy Ultra premium is the same.

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