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Suitable for all ages, it provides peace of mind for medical expenses. The MEA Extra rider will cover you and your loved ones' medical costs, ensure you receive the best treatment when you most need it.
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Benefit Details & Coverage
There are 5 different coverage plans to choose from. Inpatient room rates start from 1200 to 6200 baht / day
Entry Age: 1 month – 70 yrs., can renew until age 89 yrs. and cover until age 90 yrs.
Cover the actual medical expense but not over benefit limit and coverage in each item.
Get coverage of excess medical expenses, maxinum up to70% receive comprehensive benefits for medical expenses and doctor fee of surgical.
Traveling with no worries, cover medical treatment in case of emergency arising outside Thailand within the period of 90 days starting from the departure date.
Special - in case of no claims for hospital admissions for 3 consecutive policy years, get 10% discount on renewal year premiums.
Health insurance premiums are tax deductible according to the conditions of the Revenue Department.
Terms and conditions
Coverage plan
5 plans align with room and board : Plan 1200, 2200, 3200, 4200 and 6200
Issue Age
Plan 1200, 2200 and 3200 : 1 month - 70 yrs.
Plan 4200 and 6200 : 11 - 70 yrs.
Deductible per confinement
For Plan 1200, 2200, 3200 at the age of 1 month - 10 yrs. : 3,000/ 5,000/ 7,000 baht per confinement.
Payment Period / Coverage
1 yr. (Renew every year until age 89 years. and coverage until age 90 years.
Area of Coverage
Thailand
Basic plan and rider attachment
Smart Medicare Extra Rider (MEA Extra) can attach with basic plan and rider according to the underwriting guideline.
Underwriting guideline
Full Underwriting
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
2. Example Exclusion
Congenital abnormalities, AIDS or venereal disease or sexually transmitted diseases.
FAQ
1. Who should buy the MEA Extra?
1. Government officer or company employee who start to do health planning and would like to get medical expense coverage top up from emloyee benefit.
2. Parents who start to do health planning and would like to get the best medical treatment for their children.
2. What is the key selling point of MEA Extra?
- MEA Extra rider is health rider which it has many coverage plans to match with all customers need and has room and board from 1200 to 6200 baht per day.
- Long term coverage until age 90 yrs.
- Coverage IPD benefit which it has payout 70% of the extra expenses for you to receive comprehensive benefits for medical expenses and doctor fee of surgical.
- Cover specialist fee when admit in the hospital.
- 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 MEA Extra rider cover medical expense in case of travel out of area of coverage?
Yes, it does. MEA Extra rider cover medical treatment only for emergency treatment arising within the period of 90 days starting from the departure date.
4. 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.
5. How does the premium adjustment of MEA Extra rider?
Normally health insurance premium will increase according to the increasing in insured's age.
