ttb flexi care | TMBThanachart (ttb)

ttb flexi care

Flexible health plan designed to meet every unique need.

Product highlights

Health lump sum for your healthcare needs

Lessen your worries about medical expenses when you get sick or injured with 3 options of health lump sum benefits of THB 7.5 million / THB 10 million / THB 20 million.

Peace of mind with health care 24/7

Get hospital room & board benefits up to THB 12,000 per day, outpatient benefits and alternative medicine plus medical emergency while abroad.

Peace of mind with special medical services

Get worldwide emergency medical service by Assist America and get quick access to medical second opinion service provided by MediGuide.

Your health is our priority (For THB 20 million health coverage)

Provide you with annual health check, dental expenses and vaccination coverage.

Peace of mind with higher care

Cover for targeted therapy for cancer, rehabilitation, physical therapy and skilled nursing facility (Home Care) after a hospital stay up to 30 days according to physician advice.

Flexible premium choices

Lower your health insurance cost with Deductible plan.

Coverage and benefits

Health lump sum benefits of THB 7.5 million / THB 10 million / THB 20 million.
Receive death benefit from sum assured (Life Coverage).

Example of benefits

THB 10 million health overage (inpatient and outpatient benefits) (Deductible)
Office employee, female age 35, Pay the first year premium for THB 28,690 (get THB 300,000 life coverage).

Benefit details

Issue Age	1 month - 85 years
Coverage Period	Until age 99
Premium Payment Period	Until age 99
Min Sum Assured (Life Coverage)	THB 300,000
Premium	Insurance premiums depend on age and gender, and Health Insurance Premium will be adjusted every 5 years, based on age range.
Mode of Premium Payment	Annual / Semi-annual

Receive coverage benefit according to selected plan.

Maximum benefit per policy year	THB 7.5 Million	THB 10 Million	THB 20 Million
Coverage area	Thailand
Hospitalization Benefits
Section 1: Hospital Room & Board, Hospital Services (Inpatient)	THB 5,000 per day (Max of 180 days per policy year)	THB 7,000 per day (Max of 180 days per policy year)	THB 12,000 per day (Max of 180 days per policy year)
In case of ICU (Intensive Care Unit) admissions: The insured will receive Hospital Room & Board, Hospital Services (Inpatient)	As charged but not higher than maximum coverage benefit per policy year
Section 2: Hospital Medical Expenses for Diagnosis or Treatment, Blood Transfusion Services & Blood Components, Nursing Services, Drugs & Parenteral Nutrition and Medical Supplies	As charged but not higher than maximum coverage benefit per policy year
• Hospital Medical Expenses for Diagnosis
• Hospital Medical Expenses for Treatment, Blood Transfusion Services and Blood Components, Nursing Services*
• Drugs, Parenteral Nutrition and Medical Supplies
• Take-Home Prescription Drugs and Consumable Medical Supplies (Medical Supplies 1)
Section 3: Physician Evaluation & Management Fee Services
Section 4: Surgical and Medical Procedures
• Operating Theatre and Procedure Room Fees
• Drugs & Parenteral Nutrition, Medical Supplies and Surgical Equipment
• Physician Evaluation for Surgical and Procedure Services, Surgeon Fees (and Surgical Assistant Fees)
• Physician Anesthesiology Services
• Organ Transplantation Services	Not covered		THB 10,000,000 per policy year
Section 5: A major surgery that does not require inpatient admission (Day Surgery)	As charged but not higher than maximum coverage benefit per policy year
Outpatient Benefits
Section 6: Hospital Medical Expenses for Pre and Post-Hospitalization Diagnostic Tests, or Post-Hospitalization Treatment	As charged but not higher than maximum coverage benefit per policy year
• Hospital Medical Expenses for Diagnostic Tests (within 30 days before and after hospitalization)
• Each Post-Hospitalization Expenses Incurred for the Follow-Up Treatment within 30 days after discharge from the hospital (excluding hospital medical expense for diagnostic tests)
Section 7: Emergency Accidental Outpatient (within 24 hours after each accident)
Section 8: Each Post-Hospital Rehabilitation Expenses
Section 9: Outpatient Kidney Dialysis Treatment
Section 10: Medical Expenses of Radiation Therapy, Interventional Radiology, Nuclear Medicine for Tumor or Cancer Treatment
Section 11: Medical Expenses of Chemotherapy for Cancer Treatment
Section 12: Emergency Ambulance Service Fees
Section 13: Minor Surgery Fees
Outpatient Benefits
Outpatient Medical Expenses, including Alternative Medicine such as Traditional Thai Medicine, Traditional Chinese Medicine, Chiropractic	THB 750 per time (Max of 30 times per policy year)	THB 1,000 per time (Max of 30 times per policy year)	THB 1,500 per time (Max of 30 times per policy year)
Wellness Benefits
Annual Health Check once per policy year (coverage only in Thailand) (12-month waiting period)	Not covered		THB 5,000
Vaccination Coverage (12-month waiting period)	Not covered		THB 2,500
Dental Expenses (90-day waiting period)	Not covered		THB 2,500
Lower premium with deductible health plan (for section 1 -13)	THB 40,000	THB 45,000	THB 55,000

*Private nursing service fees for post-hospitalization treatment (Max of 30 days). (This fee is under the same benefit amount as hospital medical expenses for treatment, blood transfusion services and blood components, nursing services).

Receive death benefit from basic plan.

Terms and conditions

Required Application Documents

A fully completed Application Form for ordinary life insurance signed by both the applicant and the seller.
Insurance Proposal Form which is signed by both the applicant and the seller.
A copy of identification card, certified copy with an original signature.
- For Juvenile Applicant (aged under 17), if the applicant does not apply for identity card yet, Birth Certificate will be accepted.
- For Foreign Applicant, please provide a copy of passport, visa and a copy of work permit which is up to date with the latest information, including answer all the questions on Declaration Form for Non-Thai national.
For Juvenile Applicant (aged under 17), please provide a copy of identification card of the legal representative, certified copy with an original signature.
For the applicant with risk occupation and/or with greater than or equal to more than THB 2 million premium, please provide Customer Due Diligence Form.

Note

The applicant should read, study, and understand insurance proposal before deciding to buy an insurance. And once receiving the policy contract, please read details, terms and conditions under the policy thoroughly.
The commpany will adjust premiums on the policy anniversary date based on the change to the insured's age and occupation class and/or the overall claims experience of this rider portfolio. For this, the company will send written notice to the insured not less than 30 days in advance. The adjusted premium rate must be approved by the Registrar.
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 terms conditions of the Revenue Department.

Underwritten by

TMBThanachart Bank Public Company Limited, in its capacity as the insurance broker, will facilitate the insurance transaction and premium payments only, while Prudential Life Assurance (Thailand) Public Company Limited will be responsible for providing the coverage and benefits as stated in the insurance contract.

Frequently asked questions

What are the plans that flexi care offered?

answer : There are 3 plans which provide Inpatient Benefits for actual medical expenses, and coverage only in Thailand.
1) THB 7.5 million maximum coverage plan per policy year

THB 7.5 million maximum benefits per policy year provides inpatient and outpatient coverage / OPD: THB 750 per time (maximum up to 30 times per year)
THB 7.5 million maximum benefits per policy year for inpatient coverage

2) THB 10 million maximum coverage plan per policy year

THB 10 million maximum benefits per policy year provides inpatient and outpatient coverage / OPD: THB 1,000 per time (maximum up to 30 times per year)
THB 10 million maximum benefits per policy year for inpatient coverage

3) THB 20 million maximum coverage plan per policy year

THB 20 million maximum benefits per policy year provides inpatient and outpatient coverage, plus wellness benefits*.
OPD: THB 1,500 per time (maximum up to 30 times per year)
*Wellness benefits per policy year: health check – THB 5,000, vaccination – THB 2,500 and dental care – THB 2,500
THB 20 million maximum benefits per policy year for inpatient coverage
Additional benefits: for THB 20 million health plan also provides costs of Organ Transplant for Lung, Heart, Kidney, and Stem Cell Transplant with THB 10 million benefits per policy year.

If the insured would like to attach flexi care rider with other insurance plan rather than “one-year term plan” (non-participating), would it be possible for him to do that?

answer : No, but the insured can choose sum assured of the basic life insurance policy starting from THB 300,000 – No-limit.

In the underwriting process, extra premium can be charged due to the applicant's occupation class. I'd like to know if the extra premium will also apply to the renewal premium rate?

answer : In case premium increases in the first year, renewal premiums will be adjusted as well, depending on several factors such as age/ occupation class change and/or the increase in cost of medical treatments or overall claims experience of this rider portfolio.

In case the insured’s health issues don’t meet the insurance criteria according to the company's underwriting guidelines. I would like to know if it is possible for me to buy only basic life insurance policy?

answer : No, because this insurance is offered for sale as a package, so you cannot opt to buy just only one of them.

In the case of applying for insurance for the first time, and the company finds that the insured’s health issues don’t meet the insurance criteria according to the company's underwriting guidelines. I would like to know if the increased premium will be applied to HA Wealth Rider?

answer : The company's underwriting decision will be on either an approved or not-approved basis. There will be no increase in premium for HA Wealth Rider when applying for this plan for the first time.

For life policy to which flexi care plan is attached, can the insured opt for reduced paid up policy or an extended term insurance policy or borrow against a policy's cash value by taking out a policy loan, according to the policy provisions?

answer : No. flexi care is a “one-year term” (non-participating) plan, so the insured cannot exercise this right.

For flexi care plan, can the insured surrender the life insurance part or the HA Wealth Rider part?

answer : This insurance plan has no cash surrender value. However, the insured can exercise his/her right to cancel the policy.

all questions