*Remarks

1. Paid in full, company will pay benefit as actually paid, but not exceed the maximum pf IPD benefit (per confinement)

2. Where child age 0-4 years old has 35% co-payment for Hospital Expenses. For children age 0-10 years old provided their is at least one person or guardian included (Father or Mother or Guardian by the law).

3. If claim is made by an insured or covered person under the Policy during the Policy year, any No Claim Discount achieved will be lost and the status of the discount will be as at 1st policy year shown above.

4. If a claim relating to the previous year is subsequently submitted and accepted, and a No Claim Discount has already been given, the company reserves the right to deduct the equivalent monetary amount of the No Claims Discount from the value of the claim. Any No Claim Discount achieved will be lost and the status of the discount will be as a 1st policy.

5. The No Claim Discount applies only be to the premium in respect of the basic. Claims against any additional benefits in the Policy for Vision or Dental will not affect the No Claim Discount.

6. The No Claim Discount is not available to an insured whose age exceeds  75 years.

7. Elective Treatment outside Thailand, this benefit is permitted only on a case by case basis with on guarantee of acceptance.

8. The applicant must be Thai resident or reside in Thailand at least 6 months in 12 months period.

9. Information in this brochure is only preliminary information provided for the applicant to consider for applying for health insurance coverage from the company, all insuring conditions shall be referred to Definition, General Definition, General Exclusions, and Insuring Agreement of the health insurance policy of the company.

10. The applicant has the duty to provide true information in applying for insurance. Any concealment of truth or declaration of false statements may cause the insurance company to cancel the insurance contract or refuse to pay the claims under the insurance contract.