(Maximum per policy year)
Health insurance
Smarter Health Plan
Health insurance, Easy and Lumpsum, coverage up THB 5,000,000 per policy year.
Highlight
Medical expense coverage for Maximum Plan is THB 5,000,000 per policy year
Room & Board up to THB 7,000 per day
Personal Accident (Or.Bor.2) THB 100,000
Lifetime renewal
10% insurance premium refund in case of no claim
Monthly premium payments available
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THB
Remark
- Subject to the insurance policy’s terms and conditions.
Warning: Buyers should understand in detail coverage and conditions before making insurance decisions every time. - This premium is an approximate based on minimum sum insured only. Please contact our sales staff or leave your information in "Are you interested in Allianz Ayudhya’s Health insurance?" box for our staff to contact you.
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Coverage / Benefit
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| Coverage |
Samrter Health Plan 1 |
Samrter Health Plan 2 |
Samrter Health Plan 3 |
Samrter Health Plan 4 |
| Maximum benefit for an injury or sickness per policy year | 750,000 | 1,500,000 | 3,000,000 | 5,000,000 |
| Area of cover | Thailand | |||
| 1. Benefits for Inpatient Care | ||||
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Section 1 Room and board including service charges (inpatient) |
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| 1.1 Non-intensive care room (maximum payable per day) | 4,000 | 5,000 | 6,000 | 7,000 |
| 1.2 Intensive Care Unit (ICU) Maximum not more than 15 days | 8,000 | 10,000 | 12,000 | 14,000 |
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Section 2 Hospital medical expenses for diagnostic and therapeutic procedures, blood and blood components, nursing service, medicines, and parenteral nutrition, and medical supplies |
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| 2.1 Hospital medical expenses for diagnostic procedures |
Paid in full(1) |
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| 2.2 Hospital medical expenses for therapeutic procedures, blood and blood components, and nursing service | ||||
| 2.3 Medicines and parenteral nutrition, and medical supplies | ||||
| 2.4 Home medications and medical (supplies 1) for taking home Maximum not more than 14 days | ||||
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Section 3 Medical practitioners’ fees, maximum payable |
Paid in full(1) | |||
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Section 4 Fees for surgery and medical procedures |
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| 4.1 Operating theater and procedure room |
Paid in full(1) |
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| 4.2 Medicines, parenteral nutrition, medical supplies, surgery and procedure equipment | ||||
| 4.3 Surgeons' fees including fees for surgical assistants | ||||
| 4.4 Anesthesiologists’ fees | ||||
| 4.5 Organ transplantation | ||||
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Section 5 Day Surgery |
Paid in full(1) | |||
| 2. Benefits for Non-Inpatient Care | ||||
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Section 6 Hospital medical expenses for diagnostic procedures before or after hospitalization relating to the condition diagnosed, or outpatient treatment after hospitalization |
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| 6.1 Hospital medical expenses for diagnostic procedures relating to the condition diagnosed within 30 days before and after hospitalization |
Paid in full(1) |
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| 6.2 The expenses for OPD visit post hospitalization within 30 days (excluding hospital medical expenses for diagnostic procedures) | ||||
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Section 7 Medical expenses for an injury (OPD) within 24 hours of the incident |
Paid in full(1) |
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Section 8 Rehabilitation post hospitalization |
Paid in full(1) |
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Section 9 Hospital medical expenses for treatment of chronic kidney disease by hemodialysis |
25,000 |
25,000 |
50,000 |
50,000 |
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Section 10 Medical expenses for treatment of tumor or cancer by radiation therapy, interventional radiology, nuclear medicine therapy |
375,000 |
750,000 |
1,500,000 |
2,500,000 |
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Section 11 Medical expenses for treatment of cancer by chemotherapy |
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Section 12 Emergency ambulance services, maximum payable (per trip) |
2,000 | |||
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Section 13 Minor surgical expenses |
Paid in full(1) |
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| 3. Additional Benefits | ||||
| Personal Accident (Or.Bor.2)(2) | 100,000 | |||
Optional benefits
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| The Insuring Agreement for Outpatient Medical Treatment, per visit (maximum benefit 1 visit per day, 30 visits per year) | |
| OPD 1,000 | 1,000 Baht/day |
| OPD 1,500 | 1,500 Baht/day |
| OPD 2,000 | 2,000 Baht/day |
| OPD 2,500 | 2,500 Baht/day |
(1) Full cover, not over maximum coverage per year.
(2) Applicable to the Insuring Agreement for Personal Accident, Death, Dismemberment, Loss of Sight, Loss of Hearing, Loss of Speech or Disability Benefits (Or.Bor.2). 50% coverage in case of motorcycle accident.
- Eligible for applicants' aged between 15 days to 65 years old. If the applicant applies for the insurance before 60 years old and continuously renews the policy will receive the right for lifetime renewal but if the applicant applies for the insurance from the age of 60 years and above will be receive the right to renew the policy until 80 years old.
- The applicants' aged under 20 years old must apply for the insurance together with their father or mother.
- For insured who hold more than one insurance policy with Allianz Ayudhya General Insurance, the maximum benefit for medical treatment must not exceed THB 30 million. The maximum benefits for Personal Accident insurance must not exceed THB 1 million per person, including all active policies with the company.
- Insurance period : Yearly Basis.
- Terms and conditions of coverage and underwriting as specified by the company.
- Chronic diseases, injury or sickness (including complications), symptoms or abnormalities that were present before insurance start (Pre-existing Condition)
- Medical expenses incurred
- Within 30 days from effective date for any illness or
- Within 120 days from effective date for the following illnesses: tumors, cysts, or all types of cancer, hemorrhoids, all types of hernias, pterygium or cataracts, tonsillectomy or adenoids, all types of stones, varicose veins in the legs. and endometriosis, excluding emergency surgery that is not due to conditions related to various diseases which was before insurance start (Pre-existing Condition) - Not covered medical treatment occurring abroad
- Can be used for income tax deduction rights according to the rules of the Revenue Department.
- Outpatient benefits (maximum 1 visit per day, and not exceed 30 visits per year)
Remark
- This document is not part of the insurance policy.
- The applicant is advised to always study detail of coverage, condition and exclusion carefully before making decision to buy insurance.
- It is the responsibility of the Insured to make premium payments. Insurance agencies and brokers only facilitate for the service.
- Underwritten by Allianz Ayudhya General Insurance Public Company Limited
- This insurance plan provides coverage for medical treatment occurring in Thailand only.
