COVID-19 Insurance Online

1. This policy does not cover those who contracted COVID-19 or are suspected of being infected before the policy purchase
2. No coverage for COVID-19 (complications thereof) before the insurance policy effective date or for pre-existing conditions
3. No coverage is provided in case the insured does not follow international travel advice by the WHO and Thailand travel advice by the Department of Disease Control of Thailand.
4. Does not cover those with chronic obstructive pulmonary disease (COPD), chronic kidney disease (CKD stage 3,4),cardiovascular disease, cerebrovascular disease, uncontrollable diabetes

Extract from the World Health Organization (WHO):

“Coronavirus disease (COVID-19) is an infectious disease caused by a newly discovered coronavirus.

Most people infected with the COVID-19 virus will experience mild to moderate respiratory illness and recover without requiring special treatment. Older people, and those with underlying medical problems like cardiovascular disease, diabetes, chronic respiratory disease, and cancer are more likely to develop serious illness.

The best way to prevent and slow down transmission is to be well informed about the COVID-19 virus, the disease it causes and how it spreads. Protect yourself and others from infection by washing your hands or using an alcohol based rub frequently and not touching your face.

The COVID-19 virus spreads primarily through droplets of saliva or discharge from the nose when an infected person coughs or sneezes, so it’s important that you also practice respiratory etiquette (for example, by coughing into a flexed elbow).”

If during the insurance policy period, the insured gets diagnosed by a physician or specialist with coronavirus disease 2019 (COVID-19) for the first time and enters into a coma and/or a severe chronic obstructive pulmonary disease or end-stage lung disease as described in the policy wording, the company shall pay compensation in case the insured suffers from terminal illness caused by coronavirus disease 2019 (COVID-19) based on the sum insured as specified in the schedule and/or in the renewal warranty.

The diagnosis must be in accordance with the additional definitions of diagnosis and diagnosis date in the policy wording.

If the insured suffers more than one condition from terminal illness caused by coronavirus disease 2019 (COVID-19), the company will pay benefits only for one condition.

Coma is the anesthesia or anesthesia that is diagnosed by an internist. Or neurosurgeon and all the following characteristics were detected:

1. No response to external stimuli for at least 96 hours.
2. Must rely on lifesaving equipment to support life
3. It was assessed as permanent brain damage. Resulting in a permanent incapacity to perform one of daily activities after 30 days of fainting or anesthesia

This does not include asphyxiation or anesthesia that is directly caused by drinking alcohol or drug abuse.

There will be a waiting period of 14 days. A waiting period is the amount of time an insured must wait before some or all of their coverage comes into effect. The insured may not receive benefits for claims filed during the waiting period.

The waiting period does not apply to the vaccination side effects coverage.

1. Read the details of the plan of your choice.
2. Fill out the form, including start date, and beneficiary.
3. Pay online and wait for the confirmation email.

The insured, beneficiary, or representative of such person, depending on circumstances, must submit the following documents or evidence at their own expense to the company within 30 days from the date of getting out from hospital or medical facility.

1. The company’s completed claim form
2. Medical reports that identify symptoms, coma caused by COVID-19, the results of diagnosis and medical treatment
3. A copy of ID card of the insured
4. Other documents requested by the company as necessary (if any)

Delay in such submission shall not result in rejection of liability by the company.

The insured, beneficiary, or representative of such person, depending on circumstances, must submit the following documents or evidence at their own expense to the company within 30 days from the date of getting out from hospital or medical facility.

1. The company’s completed claim form
2. Medical reports that identify symptoms while hospitalised, the results of diagnosis and medical treatment
3. A copy of ID card of the insured
4. Original receipt showing expenses or summary statement with receipt
5. Other documents requested by the company as necessary (if any)

The policy provides coverage for medical expense for hospitalised in-patients based on conditions and symptoms of medical necessity in accordance with the Ministry of Health's guideline. The current guidelines are as follows:

• Having a fever of over 39°C for more than 24 hours
• Breathing rate is more than 25 times per minute (for adults)
• Oxygen saturation is below 94%
• Having underlying disease, which requires close monitoring as per doctor’s diagnosis
• Shortness or difficulty to breath, lethargy, decreased food intake (for children)