Coverage and Benefit
| Benefit and Coverage First policy year | Coverage Plan | ||||
|---|---|---|---|---|---|
| 1. Death, dismemberment, total and permanent disability due to accident | |||||
| 1.1 General accident | 200,000 | 300,000 | 400,000 | 500,000 | 1,000,000 |
| 1.2 Murder or assault | 200,000 | 300,000 | 400,000 | 500,000 | 1,000,000 |
| 1.3 Motorcycle riding or passenger | 100,000 | 150,000 | 200,000 | 250,000 | 500,000 |
| 2. Medical Treatment due to accident (Including being murdered or physically assaulted and riding or being a passenger on a motorcycle) | 20,000 | 30,000 | 40,000 | 50,000 | 100,000 |
| 3. Hospital daily benefit (include murder and assault case and motorcycle riding or passenger case) (A maximum of not exceeding 365 days per each injury, including sections 3.1 and 3.2.) | |||||
| - Room and Board per day (not exceeding 365 days) | 500 or 1,000 According to the selected plan | ||||
| - Intensive Care Unit (I.C.U.) per day (not exceeding 7 days) | 1,000 or 2,000 According to the selected plan | ||||
| 4. Death, dismemberment, total and permanent Disability due to public accident (additional coverage is provided from section 1.1.) | 200,000 | 300,000 | 400,000 | 500,000 | 1,000,000 |
| Combine the benefits of coverage clause 1.1 and clause 4. | 400,000 | 600,000 | 800,000 | 1,000,000 | 2,000,000 |
| 5. Funeral expense benefits | 10,000 | 15,000 | 15,000 | 15,000 | 20,000 |
| 6. Death, dismemberment, total and permanent Disability due to accident on a public holiday (additional coverage is provided from section 1.1.) | 400,000 | 600,000 | 800,000 | 1,000,000 | 2,000,000 |
| Combine the benefits of coverage clause 1.1 and clause 6. | 600,000 | 900,000 | 1,200,000 | 1,500,000 | 3,000,000 |
| Combine the benefits of coverage clause 1.1, 4. and clause 6. | 800,000 | 1,200,000 | 1,600,000 | 2,000,000 | 4,000,000 |
| Remark : Benefit under section 1.1 increases by 5% annually. | |||||
5 years / Annually (Jai Kwang Tem Max 1)
5 years / Single Payment (Jai Kwang Tem Max 2)
Public accident means an accident which occurs to the Insured
1. while the Insured is a passenger in a train, skytrain, subway, public transportation bus, minibus, Borkorsor transport bus, affiliated Borkorsor transport bus, affiliated public transportation van.
2. while the insured is an elevator passenger and an accident occurs on a public elevator for carrying persons or goods between floors in public buildings This does not include elevators used in the mines. or construction site.
3. while the insured is in a public building during the opening hours for the general public and a fire broke out in that public building including jumping from the fire to save lives.
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
This policy shall not cover:
1. Loss or injury which occurs as a result of the insured’s action:
1.1 The action of the insured while under the influence of alcohol, addictive substances, or harmful narcotics to the extent of being unable to control one's mind. The term "under the influence of alcohol" means a blood alcohol level of 150 milligrams percent or more, according to the results of a blood test.
1.2 Suicide or attempted suicide or self-inflicted injury.
1.3 Infections except pyogenic infections, tetanus, or rabies from a wound or cut suffered as a result of an accident.
1.4 Medical treatment or surgical treatment except the necessary treatment for the injury which is covered under this Insurance Policy and occurring within the period of this Insurance Policy.
1.5 Miscarriage and abortion
1.6 Dental care or root canal treatment except dental treatment which is given within
7 days from the date of accident
1.7 Replacement of or new sets of dentures, dental crowns, artificial denture
1.8 Food Poisoning
1.9 Backache as a result of Disc herniation, Spondylolisthesis, Degenerative disc disease, Spondylosis, Defect or Pars interarticularis (Spondylolysis) except if there is a fracture or dislocation of spine as a result of an accident.
1.10 War, invasion, acts of foreign enemies, warlike operations (whether declared or not), civil war, which means a war fought by people living in the same country, uprising, insurrection, terrorist act, riot, strike, civil commotion, revolution, coup d'etat, proclamation of martial law, or any events that result in the proclamation or maintenance of martial law or criminal acts, illegal acts.
1.11 Terrorism
1.12 Radiation or radioactivity from any nuclear fuel or any nuclear refuse arising from
the combustion of nuclear fuel and any process of self-sustaining nuclear
fission/fusion.
1.13 The radioactive toxic explosive or other hazardous property of any explosive
nuclear assembly or nuclear component thereof.
2. Loss or injury which occurs (except the coverage extension is endorsed for extended
cover)
2.1 While the Insured is racing of all kinds of car or boat, horse racing, ski racing including jet-ski, skate racing, boxing, parachute jumping (except for the purpose of life saving), boarding or traveling in a hot-air balloon, gliding, bungee jumping, or diving with oxygen tank and breathing equipment under water.
2.2 While the Insured is riding or traveling on a motorcycle
2.3 While the Insured is boarding or traveling in an aircraft which has no license for carrying passengers or does not operate as a commercial aircraft
2.4 While the insured is piloting or is on duty as a crew member on any aircraft.
2.5 While the insured is engaging in a brawl or fight or taking part in inciting a brawl or fight.
2.6 While the insured is committing an indictable felony or is being arrested or is avoiding arrest.
2.7 while the insured is on duty as a soldier, police officer, or a volunteer that participates in war operation or crime suppression. if his/her operation takes more than 30 days, the company
will return the premium with respect to the period from his/her war operation or crime suppression commencement until the date on which such operation ends. The insurance policy will remain effective thereafter until the expiration of the insurance period as specified in the insurance policy schedule.
Remark: The English version is a translation of the original in Thai for information purpose only. In case of a discrepancy, the Thai original shall prevail
Q: แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 1,2 มีอายุรับประกันภัยเท่าไร ?
A: แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 1 อายุรับประกันภัย 5 – 70 ปี
แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 2 อายุรับประกันภัย 5 – 60 ปี
Q: แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 1,2 สามารถเลือกงวดการชำระเบี้ยประกันภัยได้หรือไม่ ?
A: แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 1 ชำระเบี้ยประกันภัยเป็นรายปี เป็นเวลา 5 ปี
แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 2 ชำระเบี้ยประกันภัยครั้งเดียว
Q: แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 1,2 ต้องตรวจสุขภาพหรือไม่ ?
A: ไม่ต้องตรวจสุขภาพ
Q: แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 1,2 สามารถหย่อนภาษีได้หรือไม่ ?
A: เบี้ยประกันภัยบางส่วนสามารถนำไปอ้างอิงลดหย่อนภาษีเงินได้บุคคลธรรมดาได้ตามหลักเกณฑ์ที่กรมสรรพากรกำหนด
Q: แบบประกัน ไทยสมุทรใจกว้างเต็มแมกซ์ 1,2 สามารถซื้อสัญญาเพิ่มเติมแนบได้หรือไม่ ?
A: ไม่สามารถซื้อสัญญาเพิ่มเติมแนบได้
Remark :
* % of the sum assured according to selected plan in case of death from a public accident which occurs on a public holiday
** Coverage for Death, Dismemberment or Total Permanent Disability in case of accident
*** For Plan 1,000,000 % means the percentage of the sum assured.
% 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.
