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Product Highlight
Health insurance plans that give you an as-charged medical expense benefit with a coverage plan up to 100 million baht per year to help you manage unpredictable health expenses with greater ease.
Loading Data...Terms and conditions
Coverage Plans
6 plans : Smart, Bronze, Silver, Gold, Diamond and Platinum.
Maximum benefit per policy year
Smart Plan : 3 MB.
Bronze Plan : 10 MB.
Silver Plan : 15 MB.
Gold Plan : 25 MB.
Diamond Plan : 70 MB.
Platinum Plan : 100 MB.
Issue Age
Smart and Bronze Plans: 6 - 80 yrs.
Silver, Gold, Diamond and Platinum Plans: 11 - 80 yrs.
Payment Period / coverage
1 yr. (Renew every year until age 98 yrs. and coverage until age 99 yrs.)
Area of Coverage
Thailand
Basic plan and rider attachment
The iHealthy Ultra Rider can attach with basic plan and rider according to the underwriting guidelines.
Underwriting guideline
Full Underwriting (The insured can only purchase one policy for the As-charged Health Rider per person)
Important general conditions
1. Waiting Period
- 30 days from the effective date of this rider for illness
- 120 days from the effective date of this rider for illness as follows; Tumor, cyst, or all types of cancer, Hemorrhoids, All types of hernia, Pterygium or cataracts Tonsillectomy or adenoids, All types of stones, Varicose veins in the leg , Endometriosis
- 12 months (12MWP) from the effective date of this rider for medical expense of pre- and post natal complication, medical treatment of pregnancy and maternity, expense of health check up and medical expense of palliative care.
2. Example Exclusion
Congenital abnormalities, AIDS or venereal disease or sexually transmitted diseases.
Remark
Buyers should understand the details of coverage and conditions before deciding to purchase insurance.
FAQ
1. Who should buy the iHealthy Ultra?
1. Government officer or company employee who would like to get medical expense coverage top up from emloyee benefit.
2. Freelance, YouTuber or Online business owner who would like to get medical expense coverage when illness and don't want to burden with family.
3. Business owner or High income customer who would like to get the best medical treatment from hi-end hospital.
2. What is the key highlight of the iHealthy Ultra?
- iHealthy Ultra is an As-Charged health rider with a variety of coverage plans and a maximum benefit per policy year ranging from 3MB to 100MB to meet the needs of various customers.
- Can renew coverage until the age of 99.
IPD and OPD benefits are both covered.
- Cover medical expenses for surgical fee, medical treatment for kidney and cancer by chemotherapy and Targeted Therapy.
- Many coverage options available, choose full coverage for no concerns, or lower premiums by selecting the Deductible or Copayment
options.
-Cover medical treatment and healthcare, such as alternative medicine, psychiatric care, health check-ups, and vaccinations.
- Cover medical treatment in the event of an emergency outside Thailand for a period of 90 days beginning with the departure date.
- Special premium discount at 10% of the renewal rider premium in case of no claim and policy effective continuously 3 years.
3. Does iHealthy Ultra rider cover OPD benefit?
Yes, it does. iHealthy Ultra rider cover OPD benefit for some plan as Silver Plan, Gold Plan, Diamond Plan and Platinum Plan.
4. Does iHealthy Ultra rider cover medical expense in case of travel out of area of coverage?
Yes, it does. iHealthy Ultra rider cover medical treatment only for emergency treatment arising within the period of 90 days starting from the departure date.
5. How does the customer get 10% discount of renewal premium?
In case of customers no claim and policy effective continuously 3 years, they will get 10% discount in the next policy year i.e. customers continue to pay premium and no cliam in the 1st - 3rd policy year --> they will get 10% discount in the 4th policy year.
6. How does the premium adjustment of iHealthy Ultra rider?
Normally health insurance premium will increase according to the increasing in insured's age.
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