Jai Kwang Tem Max
By Agent Channel
Open a new experience to live life to the max.
Thaisamut Baojai
Double* sum insured coverage
in case of death from public accident
Daily compensation benefit of 1,000 Baht
in case of hospitalization
Coverage for Medical Expenses that Exceed Existing Coverage
up to 100,000 Baht per confinement
Introduction of Insurance
Insurable Age
5 – 70 years (Thaisamut Baojai 1)
5 – 60 years (Thaisamut Baojai 2)
5 – 60 years (Thaisamut Baojai 2)
Benefit Plans
Coverage Plans
Plan 1 : 200,000
Plan 2 : 300,000
Plan 3 : 500,000
Plan 4 : 1,000,000
Plan 1 : 200,000
Plan 2 : 300,000
Plan 3 : 500,000
Plan 4 : 1,000,000
Mode of Premium Payment
Annually (Thaisamut Baojai 1)
Single Payment (Thaisamut Baojai 2)
Single Payment (Thaisamut Baojai 2)
Health Checkup
Health questions required without medical checkup
Tax Deduction
Enjoy the tax benefit at the end of the year with eligible amount for tax deduction partially
Coverage and Benefit
| Benefit Details Of Thaisamut Baojai 1, 2 |
Coverage | ||||
|---|---|---|---|---|---|
| 1 st | 2 nd | 3 rd | 4 th | 5 th | |
| 1. Death, dismemberment, total and permanent disability due to accident | |||||
| 1.1 General accident | 100% | 105% | 110% | 115% | 120% |
| 1.2 Murder and assault | 100% | ||||
| 1.3 Motorcycle riding or passenger | 50% | ||||
| 2. Medical expense per time (include murder and assault case and motorcycle riding or passenger case) |
10% | ||||
| 3. Daily income compensation during hospitalization (including cases of murder, physical assault, and either riding or being a passenger on a motorcycle) Benefit per day (not exceeding 365 days per injury, including clause 3.1 and clause 3.2) |
|||||
| 3.1 Room and Board per day (not exceeding 365 days) | 1,000 Baht/day | ||||
| 3.2 Intensive Care Unit (I.C.U.) per day (not exceeding 7 days) | 2,000 Baht/day | ||||
| 4. Public accident coverage (additional payment to No. 1.1) (Receive an additional benefit from clause 1.1, doubled) |
100% | 105% | 110% | 115% | 120% |
| Combine the benefits of coverage clause 1.1 and clause 4. | 200% | 210% | 220% | 230% | 240% |
| Issue age 5-70 years (Annually) lssue age 5-60 years (Single Payment) Coverage Plan 200,000 / 300,000 / 500,000 / 1,000,000 Baht |
|||||
| Example: Benefit Details Plan 1,000,000 Baht | 1 st | 2 nd | 3 rd | 4 th | 5 th |
| 1. Death, dismemberment, total and permanent disability due to accident | |||||
| 1.1 General accident | 1,000,000 | 1,050,000 | 1,100,000 | 1,150,000 | 1,200,000 |
| 1.2 Murder and assault | 1,000,000 | ||||
| 1.3 Motorcycle riding or passenger | 500,000 | ||||
| 2. Medical expense per time (include murder and assault case and motorcycle riding or passenger case) |
100,000 | ||||
| 3. Daily income compensation during hospitalization (including cases of murder, physical assault, and either riding or being a passenger on a motorcycle) Benefit per day (not exceeding 365 days per injury, including clause 3.1 and clause 3.2) |
|||||
| 3.1 Room and Board per day (not exceeding 365 days) | 1,000 Baht/day | ||||
| 3.2 Intensive Care Unit (I.C.U.) per day (not exceeding 7 days) | 2,000 Baht/day | ||||
| 4. Public accident coverage (additional payment to No. 1.1) (Receive an additional benefit from clause 1.1, doubled) |
1,000,000 | 1,050,000 | 1,100,000 | 1,150,000 | 1,200,000 |
| Combine the benefits of coverage clause 1.1 and clause 4. | 2,000,000 | 2,100,000 | 2,200,000 | 2,300,000 | 2,400,000 |
Conditions of Insurance
5 years / Annually (Thaisamut Baojai 1)
5 years / Single Payment (Thaisamut Baojai 2)
Public Holidays mean the days the government declares as national holidays in each calendar and National Labor Day This includes compensatory holidays on that date.
The day the government declares it a public holiday is New Year's Day, Makha Bucha, Chakri Day, Songkran Holiday, H.M. King's Coronation, Royal Ploughing Ceremony, Visakha Bucha Day, H.M. Queen's Birthday, Asanha Bucha, Buddhist Lent, H.M. King's Birthday, H.M. Queen Mother's Birthday, The Passing of King Bhumibol, Chulalongkorn Day, Father's Day, Thailand Constitution Day, and New Year's Eve.
Substitute Day means the day that is gazetted a public holiday in lieu of the public holiday for Christmas Day falling on a Saturday or Sunday. If a public holiday falls on a Saturday or Sunday It shall be deemed that the first working day or the first and second working day following a public holiday is a Substitute Day
The Exclusions contained herein are only some parts of all exclusions stated in the insurance policy. The Company shall not cover any loss or damages due to or a result of either of the following causes.
1. In case that the insured knowingly makes false statement or knowingly omits to disclose any fact to the Company for acknowledgement while applying for the insurance, where if the Company had known of such fact, the Company has the right to void the insurance contract and not to make any policy payment.
2. Suicide, suicide attempt or self-inflicted injury
3. Miscarriage
4. Act of the insured while under the influence of alcohol, narcotic drug or narcotic substance that impairs the mental faculty The term “under the influence of alcohol” is in case of having blood alcohol concentration (BAC) test result of 150 mg/dL or over.
Q: แบบประกันไทยสมุทรเบาใจ เหมาะกับใคร ?
A: เหมาะกับผู้ที่ต้องการความคุ้มครองอุบัติเหตุที่จ่ายเบี้ยประกันภัยไม่แพง พร้อมมีค่ารักษาพยาบาล และค่าชดเชยรายได้จากการเกิดอุบัติเหตุ
Q: แบบประกันไทยสมุทรเบาใจ ต้องตรวจสุขภาพหรือไม่ ?
A: ไม่ต้องตรวจสุขภาพ แต่แถลงสุขภาพในใบคำขอเอาประกันภัย
Q: แบบประกันไทยสมุทรเบาใจ สามารถนำเบี้ยประกันไปใช้สิทธิลดหย่อนภาษีได้หรือไม่ ?
A: เบี้ยประกันภัยบางส่วนสามารถนำไปอ้างอิงลดหย่อนภาษีเงินได้บุคคลธรรมดาได้ตามหลักเกณฑ์ที่กรมสรรพากรกำหนด
Q: แบบประกัน ไทยสมุทรเบาใจ สามารถขอทำสัญญาเพิ่มเติมแนบได้หรือไม่ ?
A: ไม่สามารถขอทำสัญญาเพิ่มเติมแนบได้
Remark :
* % of the sum assured
** For patient standard room
*** For Thaisamut Baojai Plan 1,000,0000
- Underwriting is subject to the Company’s terms and conditions.
- Health check up and health declaration might be the factor of underwriting process if necessary.
- Benefits and coverage are subject to the health insurance policy’s terms and conditions.
- Tax Deduction according to the rules prescribed by the Revenue Department
- This is only basic information. An insured should read aware of coverage condition, benefits, and exclusions of an insurance policy.
