ttb ultimate care

Ultimate protection worldwide with coverage up to the maximum of THB 100 million.

Product highlights

Worry-free anywhere, anytime

With THB 50 million or THB 100 million health plan, you can be assured that leading standard for quality health care services is so easy to access.

Peace of mind with health care 24/7

Get hospital room & board benefits up to THB 20,000 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 ultimate priority

Provide you with annual health check (only in Thailand), dental expenses, vision care 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 50 million / THB 100 million.
Receive death benefit from sum assured (Life Coverage).

Example of benefits

THB 100 million Worldwide Coverage (Full Coverage)
Business owner, male age 40, pay 1^st Year Premium for THB 131,788 (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 50 million		THB 100 million
Coverage area	Thailand	Worldwide (except USA)	Thailand	Worldwide (except USA)	Worldwide
Hospitalization Benefits
Section 1: Hospital Room & Board, Hospital Services (Inpatient)	THB 20,000 per day (Max of 360 days per policy year)		THB 20,000 per day (Max of 360 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		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		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
Section 5: A major surgery that does not require inpatient admission (Day Surgery)
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		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 2,500 per time (Max of 30 times per policy year)		THB 150,000 per policy year
Wellness Benefits
Annual Health Check once per policy year (coverage only in Thailand) (12-month waiting period)	THB 20,000 per policy year		THB 30,000 per policy year
Vision Care once per policy year (12-month waiting period)
Vaccination Coverage (12-month waiting period)
Dental Expenses (90-day waiting period)
Lower premium with deductible health plan (for section 1 -13)	THB 55,000	THB 65,000	THB 60,000	THB 65,000	THB 80,000

*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 sum assured (Life Coverage).

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.
1. For Juvenile Applicant (aged under 17), if the applicant does not apply for identity card yet, Birth Certificate will be accepted.
2. 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.
For Worldwide Protection Plan except United State of America and Worldwide, please read and study service details provided in insurance proposal and/or insurance policy.
The company 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 and conditions.

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

If the insured would like to attach ultimate 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 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 : Yes, in case premium increases in the first year, renewal premiums will be adjusted also premium of life insurance policy based on a change to the insured’s age.

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 insurance plan.

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 ultimate 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.