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Benefits

5 coverage plans to support all customer need which have Room and Board start from 1200 to 6200 baht / day

Entry Age: 1 month – 70 yrs., can renew until age 89 yrs. and cover until age 90 yrs.

Cover the actual medical expense but not over benefit limit and coverage in each item.

Additional Coverage at 70% of the extra expenses for you to receive comprehensive benefits for medical expenses and doctor fee of surgical.

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

5 plans align with room and board : Plan 1200, 2200, 3200, 4200 and 6200

Entry Age

Plan 1200, 2200 and 3200 : 1 month - 70 yrs.
Plan 4200 and 6200 : 11 - 70 yrs.

Deductible

Plan 1200, 2200, 3200 ที่อายุ 1m - 10 yrs. : 3,000/ 5,000/ 7,000 baht per confinement.

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

Smart Medicare Extra Rider (MEA Extra) can attach with basic plan and rider  according to the underwriting guideline.

Underwriting

Full Underwriting

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

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 MEA Extra rider product?

iHealthy Ultra rider is the health rider for

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

2. Parents who start to do health planning and would like to get the best medical treatment for their children.

2. What is the key selling point of MEA Extra?

The key selling point of MEA Extra as follow;

- MEA Extra rider is health rider which it has many coverage plans to match with all customers need and has room and board from 1200 to 6200 baht per day.

- Long term coverage until age 90 yrs.

- Coverage IPD benefit which it has payout 70% of the extra expenses for you to receive comprehensive benefits for medical expenses and doctor fee of surgical.

- Cover specialist fee when admit in the hospital.

- Cover medical treatment in case of emergency treatment 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. How does the premium adjustment of MEA Extra rider?

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

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