FAQs

If you haven't received the premium payment notice by 7 days before the due date, please contact the Customer Service Center to request a premium payment notice. Or download by yourself at PhillipLifeTH on a mobile application or website.  Click

Tips: You will not miss the notification of premium payment if you provide your mobile phone number or your email with the company.

The company is willing to accept premium payment by credit card. If it is not convenient to bring a credit card to pay by yourself at the company's office, you can proceed as follows:

Required documents

1. Consent Form to pay premiums via credit card
2. Copy of ID card (with certified true copy)
3. Copy of credit card front page (with certified true copy)

Processing time

No more than 3 days from the date the company receives all the documents.

(This is done when the premium payment is due or during the grace period of premium payment)

Send documents by mail or via email: [email protected] or Line: @philliplife.

The company is willing to accept  premium payment by your bank account. you can proceed as follows:

Required documents

1. Direct deduction from bank account form
2. Copy of ID card (with certified true copy)
3. Copy of bank account front page (with certified true copy), consisting of account name, account number, account type.

Remark: Copy of ID card and bank account of the insured (in the case of a minor policy, a copy of the parent's ID card and bank passbook are required).

Processing time

No more than 3 days from the date the company receives all the documents. You will be notified that the payment can be successfully deducted from your bank account.

(This is done when the premium payment is due or during the premium payment waiver period)

Send documents by mail or via email: [email protected] or Line: @philliplife.

• In case that you can no longer pay a premium, what to do.

There are a number of ways to help you get the most out of it and keep you protected:

Request to change the premium payment mode to monthly, 3 months or 6 months.

Cancel or reduce some additional contract benefits that you think are unnecessary in order to reduce the premium amount.

Request to change the policy to extended insurance that you will continue to be protected without having to pay the premium.

If requested to change the a policy to reduced paid-up policy, you will continue to be protected without having to pay the premium

If you don’t have your member card, you could show your ID card instead. And also mention that you are insured with PLA.

You must pay and get reimbursed later while your policy is still active.

You will be covered according to your TOB. This is due to your policy still being active.
You must pay the outstanding premium and then you will be able to use direct billing services.
If the outstanding premium is not paid, you must pay and get reimbursed later.

PLA will return you the original receipt. You must fill in the form (returning the original receipt)  download click and submit altogether with the claims documents as following;

• In case PLA has not covered full payment,PLA will return the original receipt to you with the company stamp stating how much PLA paid in order for your to claim the rest of the medical expenses with another insurance company.
• However, if PLA paid full amount according to the receipt, we won’t be able to return the original receipt but the copy with the company stamp that PLA had paid.

When PLA has received the full and complete claims documents, PLA will pay within 15 days for normal process. However, if the process is longer than this, you can contact our Customer Relations Center at;

Line : @philliplife  or email : [email protected]

tel 02-022-5800  office hour  8.30 – 17.00 hr.

The beneficial must inform PLA within 14 days from the day the insured passed away. The Death claims documents are as click.

Yes, the beneficiary must pay the due premium in order to keep the policy in active status. When the claims process has been finalized and the premium has been waived, PLA will return the premium to the beneficiary later.

According to the Anti-Money Laundering B.E. 2542, PLA has a duty to precede KYC for the beneficiary. The KYC will be proceeded when the beneficiary submits the claims documents directly to PLA staff including PLA all branches.

You can reimburse if there is a document confirming the infection and the health care provider deems appropriate, the patient can be isolated. This will be considered conditions.

To reimburse medical expenses, there are details as following requirements.

1. In case of OPD privilege, pay for medical expenses as actually paid according to the OP limit.
2. In case of IPD privilege, pay for medical expenses as an outpatient under the limit “general service fees for medical treatment”.
3. In case of both OPD and IPD privileges, pay for medical expenses as OPD type under “general service fees for medical treatment” and OP limit.

However, medical expenses and medical equipment expenses can be reimbursed as actually paid on an outpatient basis but not exceeding the amount. Benefits for expenses incurred from medical treatment and must be ordered by a doctor only, for example:

1. Actual medical expenses.
2. General medication and andrographis paniculata medication.
3. Thermometer expenses (non-digital).
4. Face masks and alcohol (provided by hospitals and clinics participating in home isolation or community isolation projects only).

*Not coverage of medication delivery

*Conditions are as specified in the policy and additionally referenced from the OIC document, Registrar Order No. 44/2564.

• What does home isolation or community isolation of medical expense documents include?

1. Coronavirus disease 2019 (COVID-19) detection document, which can verify the identity of the person who has been tested for the infection from a laboratory certified by the Department of Medical Sciences by RT-PCR method.
2. Medical certificate from a healthcare facility providing evidence that it is a facility capable of providing home isolation or community isolation services.
3. Receipt from a medical facility or government agency detailing medical expenses.
4. Compensation claim form. Download click.
5. Copy of ID card and copy of the insured's identity card.
6. Copy of the first page of the bank account showing the name of the insured as the account owner.

Unable to reimburse medical expenses. If found to be infected, it is necessary to register according to the conditions for treatment in home isolation or community isolation according to the announcement of the National Health Security Office (NHSO)by registering via https://crmsup.nhso.go.th/.

You can reimburse according to the following criteria:

1. There is a document showing that the insured is a patient diagnosed with Coronavirus 2019 (Covid-19) by a medical care provider.
2. There is a medical need to be treated as an inpatient in a hospital, but there is no medical facility to support the insured including with those at risk include people aged 60 years and over, those with a body mass index (BMI) of greater than or equal to 30 kg/m², or weighing more than 90 kg, patients with chronic obstructive pulmonary disease, chronic kidney disease, cardiovascular disease, stroke, and uncontrolled diabetes.
3. Compensation will be paid up to 14 days from the date of medical need to be treated as an IPD in a hospital but not supported by a medical facility.

You will need as follows.

1. Coronavirus disease 2019 (COVID-19) detection document, which can verify the identity of the person who has been tested for the infection from a laboratory certified by the Department of Medical Sciences by RT-PCR method.
2. Medical certificate stating medical need for hospitalization or if there is no medical facility to support the insured but it is medically necessary to be admitted as an IPD, and the doctor must state that the patient is classified as a green, yellow or red patient.
3. Compensation claim form. Download click.
4. Copy of ID card and copy of the insured's identity card.
5. Copy of the first page of the bank account showing the name of the insured as the account owner.

It depends on payment option. If option is cash, the company will deliver the check to you within 7 days after the payment due date. In the event that you do not request, you must contact the company or an agent who provides service to you. But your option is bank account, the company will transfer the money to the bank account you provided within the day following the payment due date.

Tips: If you inform your mobile phone number with the company, there will be an SMS informing you when the money has been transferred to your account.

1. Request in cash. The company will pay by check sent to you or transfer to your bank account.
2. Request to be deducted for premium payment, which this way you may have to pay some additional amount in order to be sufficient to pay the premium.
3. Request to deposit with the company with interest (depending on the policy conditions that you purchase, which will appear as the terms of receiving benefits under the policy).

You can request to change the method of policy benefit payment by giving at least 15 days’ before the due date

Cheques are generally valid for 6 months from the date indicated on the cheque. If not more than 6 months, it is still valid. but if it's more than 6 months, you can send such a cheque to the company to issue a new cheque for you.

Tips: The company recommends you to receive money by bank transfer for convenience without problems with cheques.

The company understands your long-term savings goals. The company therefore pre-paid the cheque and sends it to you so that you can cash the cheque on the maturity date of the contract. Or in the case that you request money by transferring to a bank account, you will receive money on maturity date.

It is the privilege to cancel the life insurance policy within a certain period as specified in the policy conditions from the date the insured receives the policy The premium will be refunded after deduction of 500 baht per company's expenses and the health check-up fee (if any), unless the policy is offered by electronic method. The company will return the premium in full without deducting any expenses. But if the free look period has expired, you will have to cancel the policy by surrendering the policy instead.

It is an option to stop paying premiums while still having the coverage of the main contract with the same amount of insurance. But the period may be shorter or may be covered until the contract expires depending on the policy year in which the premiums are paid. While the additional contract are terminated Exterded term insurance is for standard premium policy only.

It is an option to stop paying premiums while maintaining the coverage of the main contract until maturity with the amount of insurance that is reduced or may be the same depending on the policy year which premiums are paid. While the additional contract are terminated

When you fail to pay your premium within the waiver period, your policy may be in effect. When the policy expires, you can request the renewal of the policy to return to its original effect within 5 years by showing your health check or health history for consideration of renewal at your own expense (if any) by doing the following:

1. Ordinary type

It is a life insurance with a relatively high sum insured from 50,000 baht or more, suitable for people with middle income and above. In considering life insurance, there may be a health check or no health check at the discretion of the company. And the premium is paid annually, every 6 months, every 3 months or monthly. Most of the products that the company offers to the market are ordinary policies.

2.Industrial type

It is a life insurance with low sum insured, generally from 10,000 - 30,000 baht, suitable for people with middle to low income. The premium payment is paid monthly and there is no medical examination. Therefore, there is a waiting period, that is, if the insured dies of natural sickness, the company will not pay the sum insured but will return all the premium paid by the insured. Currently, the company does not provide the sale of this type of policy, but there are still a number of insurers who the company still provides coverage under the contract.

3. Group type

It is life insurance in which one policy will have 5 or more people insured together. Most of them are a group of company employees. In considering the insurance, there may or may not be a health check-up or not at the discretion of the company. This group of life insurance premium rates are lower than ordinary and industrial types. Organizations or agencies that are interested in group insurance can contact the Customer Service Center by informing the name of your agency and the name of the officer you wish to contact back so that the group insurance service agent can contact you later.

There are many types of life insurance policies, each with different types of coverage and benefits. But there are 4 fundamental types of life insurance:

1.Whole Life

It is a life insurance that provides lifelong coverage. If the insured dies at any time while the policy is in effect, the life insurance company will pay the insured amount to the beneficiary. The primary purpose of this type of insurance is to provide funds for dependents upon the insured's death or to finance final illness and funeral expenses in order not to become a burden on others.

2. Saving / Endowment

It is life insurance in which the company will pay the insured amount to the insured upon the expiration of the contract or pay the insured money to the beneficiary. When the insured dies within the insurance period, cumulative life insurance is a combination of life protection and savings. The savings portion is the portion the insured receives when the contract expires.

3. Term

It is life insurance in which the life insurance company pays the beneficiary money when the insured dies during the insurance period. The objective is to prevent premature death.   This type of life insurance has no savings. The premium is therefore lower than other types and there is no money left to return if the insured stays until the contract expires.

4. Pension

It is a life insurance policy in which the life insurance company will pay an equal amount of money regularly to the insured on a monthly basis from the time the insured retires or reaches the age of 55 or 60 years onwards, depending on the conditions in the policy specified. As for the period of regular payout, this depends on the needs of the insured who chooses to purchase.

Section 1

It is the main protection or the main contract, which is death coverage in all cases. A life insurance policy must have this coverage as a basis that clearly states the duration of coverage and the premium payment period.

Section 2

It is an additional protection or an additional contract, which is the additional coverage for death includes accident coverage, medical treatment coverage, critical illness coverage, premium payer coverage, and many more. Most of the coverage is contract. The insured can request to cancel or purchase more after the main contract still pays premiums or is covered under the company's rules and regulations. Generally, life insurance agents recommend purchasing the coverage of this additional contract along with the main life insurance contract, as the subsequent purchase can be complicated and costly medical examinations at the insured's own expense.

As such both protection parts, life insurance agents will discuss to customers to arrange a coverage plan that meets their needs along with financial planning for you so that customers can get the most out of their life insurance policy.

A package plan or package policy is an insurance policy or plan that each company is classified as a prefabricated setting plan or pack by combining the coverage under the main contract together with various additional contracts. It is classified as a life insurance plan with different benefits and coverage.

In this regard, the insured can choose to buy according to their own needs in the part of the company, Package plan or package policy that are offered to the market, such as MAX CI Care, which focuses on serious illness coverage with life insurance, or Hospital Cash, which focuses on daily compensation in case of hospitalization with life insurance, etc.

Personal accident insurance is a type of insurance (it is not a life insurance policy) which provides coverage for both death, disability and/or medical expenses from an accident only. There is a term contract or only 1 year. You can apply for insurance at any time. There is no medical examination, but the applicant must be in good physical health and complete with a statement of facts as required by the insurance application form. As for the company, there are many types of personal accident insurance such as Max PA, Max PA Plus and Kids PA for children. You can apply for insurance online by yourself at https://online.philliplife.com/home.

Unit Linked comes from the term Unit Linked Insurance Policy (ULIP) or investment-linked life insurance policy (Unit Linked Policy). It is life insurance that provides both life protection and investment in mutual funds. There is no insurance policy value because the policy value depends on the unit value. It may be higher or lower depending on the performance of the mutual fund.

Insurance premiums of Unit Linked policies are divided into 3 parts as follows:

Section 1: It is a coverage value as determined by a life insurance policy where the insured can choose the coverage ratio according to their needs. The life insurance company will use this money to manage itself and the company will take the risk from investing this money in various types of securities and assets.

Section 2: There are various expenses according to the policy that the company collects such as the operation fee, policy maintenance fee, and investment service fee which will be set differently depending on the product design of each company.

Section 3: It is the portion allocated to an investment in proportion to the applicant's choice, which the life insurance company will use to purchase investment units of the mutual fund according to the order of the insured. The company that manages the said money will issue investment units to the insured and the life insurance company is the policy account administrator of the insured.

As for the Company, it has introduced a Unit Linked policy to the market called Unit Linked Wealth Single. You can read more about this insurance at https://www.philliplife.com/unit-linked-wealth-single/ and can learn more about Unit Linked policies at https://www.oic.or.th/th/consumer/insurance/50.

For those who are already customers of the company, you can contact your servicing agent at any time. If you are not a customer of the company, you can contact the Customer Service Center.

Line: @philliplife or

Email: [email protected] or

Telephone: 02 022 5800 during business hours

You can inform your name - surname and insurance plan you are interested in, along with a contact channel that is convenient for you to contact back. The staff will continue to facilitate you. You can visit the online insurance page. https://online.philliplife.com/home to read more or choose to compare insurance plans that interest you and can apply for insurance online by yourself.