In-Patient Coverage (IPD), Excellency Healthy

The coverage of the inpatient insurance plan refers to those who need hospitalization of at least 6 consecutive hours, which must be registered as Inpatient with a diagnosis and advice from a doctor according to the indications which are standard medical.

Excellency is the ultimate plan, worry-free protection. Get a high medical expenses in case of inpatient supporting treatment in leading private hospitals in the country It features a normal room fee of up to 15,000 baht per day on the 3M plan or 20,000 baht per day in the 5M plan, making it a choice for a luxurious hospital room still have insurance to help you pay with peace of mind.

Excellency only offers room coverage for up to 60 days, but the advantage is that there is no deductible and we pays Major Medical Coverage for the full benefit by paying 100 percent of the expenses covered.

Inpatient Coverage
Coverage PlanExcellency 3M Excellency 5M
Health Insurance Coverage Maximum Payable per Disability/Time/Year3,000,0005,000,000
In-patient Hospitalization (IPD) Coverage
Room and Board, Including Nursing Care (Max. per disability/time)900,0001,200,000
- Normal Room (Max. per day, limit 60 days)15,00020,000
- ICU Room (Max. per day, limit 15 days)30,00040,000
- General Expenses (Max. per disability/time)150,000200,000
- Emergency OPD Treatment for Accident (Including in General Expenses)30,00040,000
Special Consultation Fee (Including in General Expenses)15,00020,000
- Ambulance Fee (Including in General Expenses)1,0001,000
Surgical Coverage
Surgeon's Operation Fee (Max. per disability/time, as per Actual Expenses)225,000300,000
- Surgical Consultation Fee (Including in Surgeon's Operation Fee)22,50030,000
Physician Care Coverage
Physician Care (Max. per disability/time)225,000300,000
- In-patient Physician Visit Fee (Max. per day, limit 60 days)3,7505,000
Major Medical Coverage
Maximum Payable per Disability/Time/Lifetime ( Pays 100 Percent of the Eligible Expenses in Excess of the Deductible )1,500,0003,000,000
- Deductible150,000200,000
- Room and Board, Including Nursing Care (Max. per day, starts on 61st day)
Worldwide Emergency Assistant Coverage (By Allianz Globall Assistance)
- Emergency Medical Evacuation
- Medical RepatriationUSD 1,000,000 USD 1,000,000
- Repatriation of Mortal Remain
Personal Accident Coverage (PA 2)
- Accidental Death, Dismemberment, and Total Permanent Disability200,000200,000

Outpatient Coverage (optional)

- Out-patient Benefits (OPD) (Optional Purchase)OPD2000OPD3000
- Maximum Payable per Year80,000120,000
- Maximum Payable per Day (Max. 1 visit per day, limit 30 visits per year)2,0003,000
- X-ray and Laboratory Test Expenses (Maximum per year)20,00030,000
Premium (annually)

Please see your premium in the table. If you would like to buy OPD, it is required to have IPD first as your main policy and buying OPD as addition.

IPD – Inpatient Annual Premium (included Stamp Duty)

Age (Years)Excellency 3MExcellency 5M
15 Days - 5 Years176,248215,552
6 - 1078,94696,414
11 - 2049,75660,673
21 - 3540,02648,759
36 - 4045,86355,907
41 - 4549,75660,673
46 - 5059,48672,587
51 - 5569,21684,501
56 - 6078,94696,414
61 - 6598,574120,410
*66 - 70 (Renew only)137,832168,401
*71 - 75 (Renew only)196,886240,555
*76 - 85 (Renew only)294,188359,694

*Renewal only

OPD – Outpatient Annual Premium (included Stamp Duty)

OPD – Outpatient only available as additional policy to IPD policy.

 
Age (Years)OPD 2000OPD 3000
15 Days - 5 Years53,14878,678
6-10 23,62134,968
11-20 14,76321,855
21-35 11,81117,484
36-40 13,58220,107
41-45 14,76321,855
46-50 17,71626,226
51-55 20,66930,597
56-60 23,62134,968
61-65 29,52743,710
*66-85 (Renew only)41,33761,194
Remark
  • Standard premium for each age band for the first policy year only.
  • Eligible to apply for the first year coverage from 15 days up to 70 years of age, renewable up to 85 years of age for IPD and up to 85 years of age for OPD.
  • IPD coverage must be purchased first in order to be able to purchase OPD coverage, in case of purchase OPD as optional, OPD premium will be added to IPD premium.
  • Renewal year premium will be adjusted according to increasing age of each insured person.
  • Renewal year premium of each insured person may be charged higher, up to 100 percent of standard premium, according to underwriting experience of the previous policy year.
  • 10 percent discount for the renewal year for no claim bonus.
Insuring Agreement
  • This health insurance covers for treatment expenses resulting from injury from an accident or suffers from sickness fro the actual expenses paid, up to the maximum limit of benefit as stated in the schedule of the insurance policy.
  • Details of insuring agreement shall be referred to the insurance policy.
Coverage Commencement
  • Coverage for sickness shall be start covered after the first 30 days waiting period, except 8 types of sicknesses that stipulated in the insurance policy shall be start covered after 120 days waiting period. However, in case there is presence or make known of symptom of any disability for the first time during waiting period, the company reserves the right to void the policy.
    Coverage for injury from accident and shall be start covered immediately from the policy effective date.
Exclusions
  • Pre-existing conditions, including related symptons and chronic conditions that the applicant has had before this insurance policy is in effect, congenital abnormality or genetic disorders.
  • Cosmetic surgery, beautification treatment, or aging relieve treatment.
  • Treatment or surgery related to eyesight, dental or gum
  • Treatment related to mental disorder
  • Treatment which is not considered a modern medicine including alternative medicine
  • Treatment which is not considered a modern medicine including alternative medicine
  • Suicide or suicide attempt, self inflicted injury
  • Other exclusions shall be referred to the insurance policy
Apply for Coverage and Support Document
  • Fill the Application Form and Applicant’s Health Condition Declaration Form truthfully and sign to certify**
  • Submit copy of ID card or copy of Passport for foreigner
  • For the youth, submit copy of ID Card or Birth Certification together with copy of ID Card of the parent
  • The company reserves the right to reject any application or accept with exclusions, according to underwriting standard of the company
  • The company reserves the right not to renew each insured person within the first 2 years after start coverage.

** In case the applicant knows any fact but declares false statement or fails to declare it, in which should the company acknowledge it prior, the company may increase the insurance premium or reject the application, this insurance policy shall be voided, according to the Civil and Commercial Code, Section 865. The company has the right to dissolve it.