Reduce inpatient medical expenses. Covers all deaths including COVID-19. Plan your life today for the future for you and your family for unexpected emergencies.
- Insurance period and premium payment period: 10 years
- Age of the insured applicant: 20 - 50 years
Can apply for only 1 policy per insured whether it is Plan 1 or Plan 2.
- Health check-up: Applicants only answer health-related questions.
Remark: The health declaration is one of the factors when considering insurance or considering the payment of an insurance contract.
*Income Compensation (HB) has a waiting period of 30 days from the effective date of the policy including illness due to COVID-19.
*Anyone who has the Company's Income Protection policy cannot receive Hospital Cash and Hospital Cash Plus services for an additional privilege. 1 customer can receive services only Income Protection or Hospital Cash or Hospital Cash Plus for only one policy.
*This premium is subject to change based on age, gender, occupation level, and the company's claim experience.
Completeness of the insurance contract
In the event that the insured already knows and makes a false statement is already known in any truth but does not disclose that fact to the company, and the company knows the facts, then it may incentivize the company to charge higher premiums or refuse to enter into an insurance contract. This insurance contract will become void under the Civil and Commercial Code, Section 865, in which the company may denounce the insurance contract and shall not pay according to the policy. The company's liability is only the return of all premiums already paid to the company.
In the event that the company’s coverage is ineffective
- The insured voluntarily commits suicide within 1 year from the effective date of coverage under the policy. The company's liability is only the return of all insurance premiums that have been paid to the company.
- The insured is intentionally killed by the beneficiary. The company's liability is only the return of the policy surrender fee to the insured's heirs.
As for the return of insurance premiums or surrender money in the event of suicide or murder, the company has the right to deduct the liabilities bound by this policy.
- Insurance will be in accordance with the terms and conditions of the company.
- The insured should study more details about coverage, terms, conditions, exclusions, and benefits from the insurance policy.
- As for the right to cancel the policy (Free look), if the insured examines the insurance policy and finds that the benefit payment terms or any other conditions are contrary to intention, wrongful purpose, or not meet the requirements, the insured can cancel the contract by returning the insurance policy to the company within 15 days from the date of receiving the insurance policy from the company.
The applicant should understand the details of coverage and conditions before deciding to apply for insurance every time. When the insurance policy has been received, please study the details, terms, and conditions of the policy.