Jai Kwang Tem Max
By Agent Channel
Open a new experience to live life to the max.
Thaisamut Koomka
Premium start at 2.50 Baht per day*
Increase the sum assured every year by 5% but pay a fixed premium**
Coverage for Medical Expenses that Exceed Existing Coverage up to 100,000 Baht per confinement***
Introduction of Insurance
Insurable Age
5 years (Thaisamut Koomka 1)
5 years (Thaisamut Koomka 2)
5 years (Thaisamut Koomka 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 Koomka 1)
Single Payment (Thaisamut Koomka 2)
Single Payment (Thaisamut Koomka 2)
Rider Attachment
Not Allowed
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 Koomka 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% | ||||
| 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 |
||||
Conditions of Insurance
5 years / Annually (Thaisamut Koomka 1)
5 years / Single Payment (Thaisamut Koomka 2)
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: แบบประกันไทยสมุทรคุ้มค่า เหมาะกับใคร ?
A: เหมาะกับผู้ที่ต้องการความคุ้มครองอุบัติเหตุที่จ่ายเบี้ยประกันภัยไม่แพง พร้อมมีค่ารักษาพยาบาลจากการเกิดอุบัติเหตุ
Q: แบบประกันไทยสมุทรคุ้มค่า ต้องตรวจสุขภาพหรือไม่ ?
A: ไม่ต้องตรวจสุขภาพ แต่แถลงสุขภาพในใบคำขอเอาประกันภัย
Q: แบบประกันไทยสมุทรคุ้มค่า สามารถนำเบี้ยประกันไปใช้สิทธิลดหย่อนภาษีได้หรือไม่ ?
A: เบี้ยประกันภัยบางส่วนสามารถนำไปอ้างอิงลดหย่อนภาษีเงินได้บุคคลธรรมดาได้ตามหลักเกณฑ์ที่กรมสรรพากรกำหนด
Q: แบบประกัน ไทยสมุทรคุ้มค่า สามารถขอทำสัญญาเพิ่มเติมแนบได้หรือไม่ ?
A: ไม่สามารถขอทำสัญญาเพิ่มเติมแนบได้
Remark :
* For Thaisamut KoomKa plan 200,000 , annual premium payment and age between 5-60 years.
** Coverage for Death, Dismemberment or Total Permanent Disability in case of accident
*** For Thaisamut KoomKa or Thaisamut Baojai Plan 1,000,000
- % means the percentage of the sum assured.
- 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.
