Key Conditions

1. This insurance policy shall become effective immediately upon the insured’s premium payment.
2. A premium payment made to any authorized insurance agent, officer and broker as well as any person or juristic person whose action is accepted as if being done by the Company’s agent is deemed to be correct payment to the Company.
3. Any alteration to the coverage agreement and conditions of this policy can be made only by Endorsement issued by the Company.

Insuring Agreement

• Coverage Agreement (Or. Bor. 2) on benefits for death, dismemberment, loss of sight, loss of hearing, loss of speech or permanent disability;
• Coverage Agreement on medical expense;
• Coverage Agreement on income compensation during hospitalization as a result of accident injury;
• Coverage Agreement on benefits for broken bone, fire burn, scald, and injury to internal organ.

Cancer Coverage Agreement

1. Upon first diagnosis of cancer.
2. Cover all types of cancer including melanoma skin cancer up to full sum insured.
3. Extended coverage to non-melanoma skin cancer up to 20% of sum insured.

Medical Coverage Agreement for a Specific Disease

• Coverage Section: Medical Coverage for Dengue Hemorrhagic Fever.
• Coverage Section: Medical Coverage for Influenza.

1. Acts of the insured while under the influence of alcohol, addictive substances or narcotic drugs that impair the insured’s mental faculty. The term “under the influence of alcohol” is in this respect defined as having blood-alcohol concentrations (BAC) test result of 150 mg/dL or over.
2. Suicide, suicide attempts, or self-inflicted injuries.
3. Miscarriage.
4. Terrorism.

Exclusions Specific to Cancer Coverage
(Valid for Medical Coverage Agreement on a Specific Disease and Cancer only.

1. AIDS
2. Pre-existing Condition.

Thanachart Insurance Public Co., Ltd.
TMBThanachart Bank Public Co., Ltd. acts only as a non-life insurance broker and is liable only as a broker.

This document only serves as a summary of the general conditions, insuring agreements and exclusions of the insurance policy. The insured is advised to thoroughly study the insurance policy and the offered insurance plan in full details.