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ttb easy care plus

ttb easy care plus

Comprehensive health coverage that covers medical expenses right from inpatient and outpatient treatment to all stages of cancer.

 

Product highlights

Comprehensive hospitalization benefits and room rate are maximum coverage benefit THB 5 Million per policy year.

Choose the health plan that is best for you from 2 choices offered. Both plans provide comprehensive coverage for IPD with actual medical expense.

  • Platinum Plan: up to THB 5 million1. Plus, you can choose hospital and the room you’d like2.
  • Classic Plan: up to THB 500,0001

Outpatient medical expense coverage up to THB 30,000 per policy year

  • Platinum Plan: Offer medical coverage up to THB 30,000 per policy year
  • Classic Plan: Offer medical coverage up to THB 1,600 per time (up to 30 times per policy year)

Get a lump sum upon first diagnosis with cancer4.

Receive a lump sum payment worth up to millions baht at once.

Affordable premium

  • Platinum Plan: premium starts at THB 67/day3.
  • Classic Plan: premium starts at THB 32/day3.

Platinum Plan offers you with lower premiums and more choices.

Design your own health insurance and pay less on coverage that suits you best by choosing between “Deductible” or “20% Co-payment”.

Tax deduction

A health insurance premium, up to a maximum of THB 25,000, is eligible for personal income tax deduction. (according to the conditions of the Revenue Department)

 

1 Not exceeding benefit as specified in the policy.

2 Standard single-bed patient room in any hospital.

3 Sample premiums are calculated for a male age 35 with THB 300,000 life cover. (Full premium payment for full coverage)

4 A 90 day waiting period for Cancer applies, according to condition of the company.

Coverage and benefits

  • Receive coverage benefit according to selected plan.
  • Receive death benefit from sum assured (Life Coverage).

Example of benefits

Customer Journey : ttb easy care plus (Platinum Plan) : Full Coverage

Employee, Male age 35 years has taken “ttb easy care plus – Platinum Plan 1” Life and Health Insurance Plan with health coverage of THB 1,000,000 per policy year (life coverage of THB 300,000). He also purchases Outpatient Rider with THB 20,000 of coverage per policy year together with Cancer Rider with THB 2,000,000 of coverage. The total amount of first year’s premiums he pays is THB 35,807* (for Full Coverage).

Customer Journey : ttb easy care plus (Platinum Plan) : Full Coverage

Customer Journey : ttb easy care plus (Platinum Plan) : Deductible

Employee, Male age 35 years has taken “ttb easy care plus – Platinum Plan 1” Life and Health Insurance Plan with health coverage of THB 1,000,000 per policy year (life coverage of THB 300,000). He also purchases Outpatient Rider with THB 20,000 of coverage per policy year together with Cancer Rider with THB 2,000,000 of coverage. The total amount of first year’s premiums he pays is THB 29,790* (Choose a THB 30,000 deductible per policy year).

Customer Journey : ttb easy care plus (Platinum Plan) : Deductible

Customer Journey : ttb easy care plus (Platinum Plan) : Co-Payment

Employee, Male age 35 years has taken “ttb easy care plus – Platinum Plan 1” Life and Health Insurance Plan with health coverage of THB 1,000,000 per policy year (life coverage of THB 300,000). He also purchases Outpatient Rider with THB 20,000 of coverage per policy year together with Cancer Rider with THB 2,000,000 of coverage. The total amount of first year’s premiums he pays is THB 29,232* (Choose to pay 20% of the actual medical expenses (Co-Payment))**.

Customer Journey : ttb easy care plus (Platinum Plan) : Co-Payment

Customer Journey : ttb easy care plus (Classic Plan)

Employee, Male age 35 years has taken “ttb easy care plus – Classic Plan 2” Life and Health Insurance Plan with health coverage of THB 300,000 per policy year (life coverage of THB 300,000). He also purchases Outpatient Rider with THB 800 of coverage per time (up to 30 times per policy year) together with Cancer Rider with THB 500,000 of coverage.

Customer Journey : ttb easy care plus (Classic Plan)

Benefit details

Plan Classic Platinum
Issue Age 20 - 60 years 6 - 65 years
Coverage Period Until age 65 Until age 85
Premium Payment Term Until age 64 Until age 84
Sum Assured (Life Coverage) THB 300,000
Premium Insurance premiums depend on age and gender, and Health Insurance Premium will be adjusted, depending on based on a range of age groups.
Mode of Premium Payment Annually / Semi-annually / Quarterly / Monthly
Platinum Plan
Outpatient Benefits
THB 20,000 of Coverage
(per policy year)
THB 30,000 of Coverage
(per policy year)
Issue Age 6 – 65 years
Coverage Period Until age 66 Until age 71
Premium Payment Term Until age 65 Until age 70

Receive coverage benefit according to selected plan.


Plan Classic Plan Platinum Plan
Plan 1 Plan 2 Plan 3 Plan 4 Plan 1 Plan 2 Plan 3
Maximum benefit per policy year THB 200,000 THB 300,000 THB 400,000 THB 500,000 THB 1,000,000 THB 3,000,000 THB 5,000,000
Death Benefit THB 300,000
Underwriting type Minimal health questions on the Simplified Issue Application Form Medical exam requirement, according to the criteria being applied by the company
(Full Application Form)
Hospitalization Benefits per policy year
• Hospital Room & Board, Hospital Services (Inpatient) THB 2,000 per day THB 3,000 per day THB 4,000 per day THB 5,000 per day As charged
but not higher than
maximum coverage benefit per policy year
- In case of ICU (Intensive Care Unit) admissions: The insured will receive Hospital Room & Board, Hospital Services (Inpatient) Double the amount of Hospital Room & Board and Hospital Services Benefits up to a maximum of 90 days
• Hospital Medical Expenses for Diagnosis or Treatment, Blood Transfusion Services & Blood Components, Nursing Services, Drugs & Parenteral Nutrition and Medical Supplies As charged
but not higher than
maximum coverage benefit per policy year
As charged
but not higher than
maximum coverage benefit per policy year
- Hospital Medical Expenses for Diagnosis
- Hospital Medical Expenses for Treatment, Blood Transfusion Services and Blood Components, Nursing Services
- Drugs, Parenteral Nutrition and Medical Supplies
- Take-Home Prescription Drugs and Consumable Medical Supplies (Medical Supplies 1) (Max of 14 days)
• Physician Evaluation & Management Fee Services
• Surgical and Medical Procedures
- Operating Theatre and Procedure Room Fees
- Drugs & Parenteral Nutrition, Medical Supplies and Surgical Equipment
- Physician Evaluation for Surgical and Procedure Services, Surgeon Fees (and Surgical Assistant Fees)
- Physician Anesthesiology Services
- Organ Transplantation Services
• A major surgery that does not require inpatient admission (Day Surgery)
Outpatient Benefits
• Hospital Medical Expenses for Pre and Post-Hospitalization Diagnostic Tests, or Post-Hospitalization Treatment per policy year As charged
but not higher than
maximum coverage benefit per policy year
As charged
but not higher than
maximum coverage benefit per policy year
- Hospital Medical Expenses for Diagnostic Tests (within 30 days before and after hospitalization)
- Each Post-Hospitalization Expenses Incurred for the Follow-Up Treatment within 30 days after discharge from the hospital (excluding hospital medical expense for diagnostic tests)
• Emergency Accidental Outpatient (within 24 hours after each accident)
• Each Post-Hospital Rehabilitation Expenses per policy year
• Emergency Ambulance Service Fees
• Minor Surgery Fees
Cancer Coverage Benefit THB 300,000 THB 500,000 THB 700,000 THB 1,000,000 3 choices of coverage available
THB 1,000,000
THB 2,000,000
Outpatient Benefits (Endorsement for Health Insurance Rider)
Outpatient medical expenses Outpatient coverage options for you
(up to 30 times per policy year)
THB 800/time
THB 1,100/time
THB 1,600/time
Outpatient coverage options for you
(per policy year)
THB 20,000
THB 30,000
Reduce the cost of your premium by choosing coverage that best suits your needs
- Lower premium with deductible health plan
(The deductible applies to In-Patient Department and Day care treatment without hospitalization)
Not covered 3 choices of coverage available for deductible
THB 30,000
THB 60,000
THB 100,000
- pay 20% of co-payment for covered actual medical services
(The co-payment applies to In-Patient Department, Day care treatment without hospitalization and Out-Patient Department)
Not covered 20%

Receive death benefit from sum assured (Life Coverage) THB 300,000.

Terms and conditions

Required Application Documents
  1. A fully completed Application Form for ordinary life insurance signed by both the applicant and the seller.
  2. Full Application Form for ordinary life insurance / Full Application Form for ordinary life insurance and Health Declaration Form for 25 Critical Illnesses (SIO Application)
  3. Insurance Proposal Form which is signed by both the applicant and the seller.
  4. A copy of identification card, certified true with an original signature.
    • For Juvenile Applicant (aged under 17), if the applicant does not apply for identity card yet, Birth Certificate will be accepted.
    • For Foreign Applicant, please provide a copy of passport, visa and a copy of work permit which is up to date with the latest information, including answer all the questions on Declaration Form for Non-Thai national.
  5. For Juvenile Applicant (aged under 17), please provide a copy of identification card of the premium payer, certified true with an original signature.
  6. For the applicant with risk occupation and/or with greater than or equal to more than THB 2 million premium, please provide Customer Due Diligence Form.
Note
  1. The applicant should read, study, and understand insurance proposal before deciding to buy an insurance. And once receiving the policy contract, please read details, terms and conditions under the policy thoroughly.
  2. The company will adjust premiums on the policy anniversary date based on the change to the insured's age and occupation class and/or the overall claims experience of this rider portfolio. For this, the company will send written notice to the insured not less than 30 days in advance. The adjusted premium rate must be approved by the Registrar.
  3. A health insurance premium, up to a maximum of THB 25,000, is eligible for personal income tax deduction. However, the deduction for this premium together with the life insurance premiums paid cannot exceed THB 100,000 in total, according to the terms & conditions of the Revenue Department.
Underwritten by

TMBThanachart Bank Public Company Limited, in its capacity as the insurance broker, will facilitate the insurance transaction and premium payments only, while Prudential Life Assurance (Thailand) Public Company Limited will be responsible for providing the coverage and benefits as stated in the insurance contract.

Frequently asked questions

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