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Health Insurance vHealth vCare

vHealth vCare

An all-in-one health protection solution
for the new normal, featuring cover for
physical treatment plus unlimited
telemedicine consultations

 
 

Highlights

vHealth vCare Covers 80% of eligible inpatient medical expenses per disability
Covers 80% of eligible inpatient medical expenses per disability, after your
deductible is met.
vHealth vCare 3 deductible options to suit your budget: THB 10,000 / 20,000 / 30,000
3 deductible options to suit your budget: THB 10,000 / 20,000 / 30,000
vHealth vCare Room and board benefits of up to THB 7,000 per day
Room and board benefits of up to THB 7,000 per day
vHealth vCare vHealth* telemedicine consultations with free nationwide prescription delivery
vHealth* telemedicine consultations with free nationwide prescription delivery
vHealth vCare Optional outpatient cover, including cover for medication prescribed via vHealth
Optional outpatient cover, including cover for medication prescribed via vHealth
vHealth vCare Extensive cashless medical network of over 490 hospitals and clinics nationwide
Extensive cashless medical network of over 490 hospitals and clinics nationwide
vHealth vCare Affordable premiums to suit your budget
Affordable premiums to suit your budget
vHealth vCare Tax savings on premiums paid, up to THB 25,000
Tax savings on premiums paid, up to THB 25,000**

Remark:
*vHealth Telemedicine Service is provided by Aetna Services (Thailand) Limited.
**Click here for more information on using health insurance premium as tax deductions.

Please see plan documents for full details of coverage. Before purchasing a plan, you should consider the terms and conditions of the plan carefully.

Health Insurance vHealth vCare An all-in-one health protection solution

Table of benefits

Coverage/Benefits

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Description Benefits (THB)
Plan 1 Plan 2 Plan 3
Inpatient hospitalization benefits      
Maximum limit per disability*. Covers 80% of eligible inpatient medical expenses after your deductible is met 600,000 700,000 800,000

 

3 options of Deductible** (per disability*)

 Option 1: 10,000
Option 2: 20,000
Option 3: 30,000
Non-intensive care hospital accommodation*** (maximum per day) 5,000 6,000 7,000
Personal Accident      
Personal Accident (Or.bor.2)**** 1,000 1,000 1,000
Virtual Doctor Service*****  
Virtual doctor consultation***** Unlimited

 

Optional outpatient cover, including medication prescribed by vHealth (maximum of 1 visit per day and 30 visits per year)

 Option 1: 500/ visit
Option 2: 1,000/ visit
Option 3: 2,000/ visit
Medicine delivery service****** Unlimited
Remark:
* Per Disability or Single Confinement means the case when the Covered Person is confined to a Hospital or Medical Center as an Inpatient at any time, which include the confinements for 2 times or more due to the same causes, disease, or complication, with intervals of not more than 90 days from the most recent discharge from a Hospital or Medical Center. Outpatient treatment for no more than 30 days from the most recent treatment due to the same cause, disease or complication shall also be deemed a Single Confinement.
** For medical expenses includes surgeon’s fees, operating room fee, physician’s hospital visit fee, specialist’s consultation fees, but not exceeding the maximum benefit specified in the policy schedule.
*** Provides benefits and coverage of non-intensive care room in case of the deductible amount has been reached.
**** Personal Accident insurance (Or.bor.2) provides benefits in case of death, dismemberment, loss of sight, loss of hearing, loss of speech, and total permanent disability (50% of the sum assured for personal accident coverage while riding a motorcycle whether as a rider or passenger).
***** This service is run by vHealth which provides you to on-demand access to our licensed doctors.
****** This service is provided by Aetna Services (Thailand) Limited

Underwriting Conditions

Health insurance

  • Eligible for persons aged 15 days to 65 years
  • For members with more than one policy with Aetna, we will pay up to THB 30m per injury or sickness depending on eligible plan limits
  • Costs associated with diagnostic tests such as PET Scan, MRI, CT scans, Echocardiogram or Exercise Stress Test (EST) will typically be paid under Outpatient Benefits, unless pre-approved by Aetna. If pre-approved, they will be paid under the inpatient hospitalisation benefits
  • Worldwide coverage excluding the U.S., where cover is only available for injuries caused by accidents.
  • Members that purchase their plan before 60 years old and continuously renew the policy will be eligible for lifetime renewal. Members who purchase a plan after 60 years old will be eligible to renew the policy until 70 years old.

Personal Accident

  • For members with more than one policy with Aetna, we will pay up to THB 1m per member, depending on eligible plan limits

Example of Exclusions

Please see your plan documents for a full list of exclusions.

Health insurance  

Please see plan documents for a full list of exclusions. Examples of our typical exclusions are as follow

  • Pre-existing conditions: any diseases (including a complication), symptoms or disorders that occur before the policy start date.
  • Medical expenses for any illness that occurs within first 30 days of policy inception
  • Sickness or diseases occurring within 180 days of policy inception, including tumours or cancers, polyps or cysts, haemorrhoids, hernias, pterygium, pinguecula or cataracts, tonsillectomy or adenoidectomy, stones, endometriosis, varicose veins, hallux valgus, ganglions.
  • Treatment or corrective surgery for congenital anomalies or developmental disorders.
  • Medical expenses incurred for the treatment of attempted suicide or self-inflicted injury.
  • Acquired Immune Deficiency Syndrome (AIDS), including any related complications or sexually transmitted diseases.
  • Any unconventional treatment, alternative medical treatment or experimental treatment.
  • Health check-ups, hospital confinement, requests for surgery or convalescences that are not medically necessary.
  • Pregnancy, childbirth, miscarriage , contraception and sterilisation.
  • Visual acuity, laser eye treatment, LASIK, dental treatment and aesthetics treatment for issues such as acne and blemishes.


Personal accident  

  • We will cover you for death, dismemberment, loss of sight, loss of hearing, loss of speech, or permanent disability arising from injury due to accident.
  • We may not cover injuries resulting from:

      - Dangerous sports

      - Flying in a non-commercial aircraft or whilst serving as a crew member in any aircraft

      -Being under the influence of drugs or alcohol

      -Suicide or self inflicted injury

      -Driving or riding as a passenger on a motorcycle - only 50% of the benefit will be paid

      -Bacterial infections

      -Miscarriage resulting from an accident

      -Taking part in a fight

      -Criminal acts

      -War

      -Radioactivity