LIFE INSURANCE WITH HEALTH AND ACCIDENT COVERAGE

The D Health Plus Rider by Muang Thai Life Assurance offers customizable and comprehensive health coverage to ensure financial stability during medical emergencies. Below are the highlights:

Key Features:

1. Coverage and Benefits:

   • Lump sum coverage of up to 5 million Baht per hospitalization.
   • Covers major and minor surgeries, accidents, critical illnesses, cancer, kidney disease, epidemics, and more.
   • Includes coverage for hospital stays in standard single rooms, ICU fees, doctor fees, medications, physical therapy, and post-hospitalization rehabilitation.
   • Offers outpatient (OPD) coverage for injuries or illnesses, with up to 30 visits per year.

2. Flexibility:

   • Deductible options available to reduce premiums.
   • Convertible plans: Deductibles can be reduced between ages 55-65 without requiring a health declaration for higher coverage after retirement.
   • Additional endorsements for specific needs, such as Care Plus (expanded cancer and kidney disease coverage), Maternity Plus, and Well-Being Plus.

3. Additional Riders:

   • Care Plus Rider: Covers advanced cancer and chronic kidney failure treatments, including chemotherapy, targeted therapy, stem cell transplantation, kidney transplantation, and mental health treatment.
   • Maternity Plus: Provides coverage for pregnancy-related risks, including delivery and complications, with benefits up to 4 million Baht annually.
   • Well-Being Plus: Includes health checkups, dental care, vaccinations, and vision care, with benefits up to 38,500 Baht annually.

4. Eligibility:

   • Insurable ages: 11 to 90 years old.
   • Coverage until the age of 99.

5. Premium Flexibility:

   • Plans available with or without deductibles, with lower premiums for higher deductibles.
   • Premiums can be adjusted based on age, claim experience, or portfolio factors.

6. Exclusions:

   • Cosmetic surgery, experimental treatments, anti-aging therapies, and substance abuse treatments are excluded.
   • Waiting periods apply to certain illnesses (30-180 days depending on the condition).

7. Technology and Support:

   • Access to the MTL Click app for policy management, telemedicine, claims, and consultations with specialists.

The D Health Plus Rider is ideal for individuals looking for flexible, high-coverage health insurance that adapts to different life stages while providing financial protection for medical expenses.