We cover for:

1. Medical Expense for INPATIENT HOSPITALISATION (IPD) of injury or illness
2. Personal Accident
3. Funeral Expenses Benefit in case of death from injury or illness
4. OUT-PATIENT HOSPITALISATION (OPD) of injury or illness.

1. The insured must age between 14 days - 80 years old with healthy and not any disability or mental disorder on the effective date of policy.   

2. This policy does not cover injury / illness / chronic disease which occur before effective date of policy and still not recover on the first effective date and unnecessary medical treatment.                                         

3. This insurance policy is not covered any illness that occur within 30 days (Waiting Period) since the first effective.

4. This insurance policy is not covered illness as following : All Tumour or Cysts, Cholesystistic, Hemorrhoids, Hernias, Cataract, Tonsil or Adenoid any Calculus, Varicose vain and Endometriosis which occur within 120 days (Waiting Period) after first effective date of  policy.                                                    

5. The two or more treatments as Inpatient Hospitalisation (IPD) in the same disability will have following conditions;

     5.1  The treatments will be counted as the same disability unless such treatments occur within 90 days after the same disability.

     5.2  The treatments will be counted as the new disability, if that treatments occur over 90 days after the same disability.

6.  Medical treatment for emergency accident basis within 24 hours after the accident and include continuing treatment  within 31 days  after receive the first treatment but not exceed actual expense or maximum limit of coverage.

7.  Health care card is provided for the insured to service with hospital network.                                     

8.  Company reserves right to adjust the premium for renewal policy, the renewal premium is consider from age of insured and claim experience.                                           

9.  This proposal is valid for 30 days from proposed date.                                             

10. Terms and condition will be based on each policy

11.Buyer should read and understand detail of coverage and conditions before making a decision to purchase insurance policy.

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For more information, please contact to Dhipaya branch (near your address)

• Dhipaya insurance (every branches)
• Contact Accident and Health Department
  Tel. 0-2239-2200 Ext. 2216, 2082, 2156, 4133, 1118