Getting Started
Select an Underwriting Process
The underwriting process determines how your medical history is assessed.
Full Medical Underwriting (FMU)
With this option, the policy does not cover any pre-existing conditions, ensuring clear terms and straightforward coverage.
Medical History Disregarded (MHD)
Pre-existing conditions can be covered, with a premium loading applied, giving you flexible and tailored protection.
Essential Plans
Flexible Plans Designed Around Your Budget
explore the plan that works for you:
Premier Care+
Co-Payment 10% or 20%
A higher-limit inpatient and outpatient plan with full chronic condition and cancer cover, annual limits and optional wellness benefits.
THB
20,000,000
/Annual Limit
Inpatient (IPD)
Cancer & Chronic Care
Emergency Benefits
Outpatient (OPD)
Maternity Care
Dental, Vision & Wellness Benefits
Premier Care
Co-Payment 10% or 20%
A comprehensive inpatient and outpatient plan with full chronic condition and cancer cover and optional wellness benefits.
THB
10,000,000
/Annual Limit
Inpatient (IPD)
Cancer & Chronic Care
Emergency Benefits
Outpatient (OPD)
Maternity Care
Dental, Vision & Wellness Benefits
Premier Essential
Co-Payment 0% or 10%
Our entry-level plan providing comprehensive inpatient and emergency cover with full benefits for chronic conditions and cancer treatment.
THB
10,000,000
/Annual Limit
In-Patient (IPD)
Cancer & Chronic Care
Emergency Benefits
Are you a business looking for group cover? We can tailor benefits, limits and structure to suit your organisation's needs.
Table of Benefits
Premier Essential
We have the plans designed to meet your needs.
Overall Limit
Annual Limit (per beneficiary per period of cover)
THB 10,000,000
Inpatient Benefits (IPD)
Standard Private Room
THB 6,500
Intensive Care Unit (ICU)
Paid in Full
Overnight accommodation for a friend or relative whilst the insured person is hospitalised
THB 2,000 / Max 10 Nights
Nursing at home following hospital discharge
THB 20,000
Hospital General Expenses
Full Refund
Physician's Examination Fees
Paid in Full
Surgical Fees
Full Refund
Hospice & Palliative Care
THB 75,000
Inpatient Psychiatric Treatment
THB 150,000
Non-Inpatient Benefits
Inpatient & Outpatient Cancer
Paid in Full
Inpatient & Outpatient Kidney Dialysis
Paid in Full
Day Care Treatment and Minor Surgery
Full Refund
Outpatient Rehabilitation after Hospitalisation (max. 30 days / condition)
Paid in Full
Pre-hospital outpatient visits – 30 days prior to admission
Paid in Full
Post-hospital outpatient visits – 90 days prior to admission
Paid in Full
Emergency Benefits
Emergency Medical Transfer/Evacuation
Paid in Full
Emergency Restorative Dental Due to an Accident
THB 18,000
Emergency Outpatient Treatment per Accident (within 24 hours)
Paid in Full
Emergency Treatment Outside Area of Cover
Paid in Full
Local and International Evacuation and Repatriation (IEMA)
Paid in Full
Loss of Life, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech, Permanent Disability (PA.2)
THB 40,000
Outpatient Benefits (OPD)
General Practioner Fees
Not Covered
Specialist Fees
Not Covered
Prescribed Medicine
Not Covered
Lab, X-rays, Diagnostic & Pathology Tests
Not Covered
Advanced Medical Imaging (MRI), Computed Tomography (CT), Positron Emission Tomography (PET)
Not Covered
Chiropractic, Osteopathy, Homeopathy, Acupuncture
Not Covered
Traditional Chines Medicine, Podiatry, Dietician, Nutrionist
Not Covered
Prescribed Physiotherapy
Not Covered
Full Refund means up to the Benefit Sub Limit or Maximum Annual Limit as indicated.
There will be 30% Co-payment (maximum total of THB 200,000) on the following hospitals: MedPark, Bumrungrad, Bangkok Hospital, BNH, Samitivej
