Value Health

Good Health…Good Life

A good life...begins with good physical and mental health. Bangkok Life Assurance wishes to see you be out and live every day with peace of mind and stay worry-free. We are ready to be by your side, to take care of you in every moment. We protect you through your times of illness and provide you with comprehensive health services, so that you are ready to run towards your desired goals and harvest the happiness to the fullest in every step of your life.

Because taking good care of your health...is the source of prosperity and sustainability in life.

Value health
Insured age from 11 – 80 years old
Insured age from 11 – 80 years old
Room, board, and hospital service fees up to 5,000 THB per day
Room, board, and hospital service fees up to 5,000 THB per day(1)
Surgical doctor and procedures fees up to 400,000 THB
Surgical doctor and procedures fees up to 400,000 THB(2)
Emergency medical expenses coverage for outpatients of accidents 24 hours
Emergency medical expenses coverage for outpatients of accidents 24 hours
Daily compensation
Daily compensation(3)
Dialysis, Radiotherapy, Chemotherapy
Dialysis, Radiotherapy, Chemotherapy
  • The insured period and the premium payment period is 1 year. The coverage can be renewed through purchasing a continuous coverage that is equal to the insured period of the life insurance contract attached to the Value Health insurance or a coverage up to the age of 99 years old.
  • Premiums may be paid annually, semi-annually , quarterly or monthly (according to the main life insurance contract).
  • The health check is in accordance with the company's insurance underwriting criteria.

(1) Standard hospital room benefit under Value Health Plan 5000.
(2) Not exceeding the benefits stated on the benefit table of each category under Value Health Plan 5000 coverage.
(3) This is additional benefits in case where the insured being an inpatient but not exercising an in-patient benefit claim from Value Health Plan 4000 and Plan 5000.

Click to view Benefits and Coverage
 

Unit: Baht

Benefits Plan 2000 Plan 3000 Plan 4000 Plan 5000
1. In-patient benefits
Group 1 Hospital daily room & board, food and hospital service charges (in-patient) per confinement, not exceeding 125 days 2,000 per day 3,000 per day 4,000 per day 5,000 per day
  In the event of ICU, such benefit will be paid for hospital daily room & board, food and hospital service charges (in-patient), will be twice paid for a maximum of 15 days, provided that total member of days, provided that total number of days under group 1 shall not exceed 125 days
Group 2 Fees for medical service, diagnosis, treatment, blood service, nurse service, medicine, intravenous nutrient and medical supplies, per confinement Must not exceed 25,000 with all Group 2 benefits combined Must not exceed 30,000 with all Group 2 benefits combined Must not exceed 200,000 with all Group 2 and Subgroup 4.1-4.4 benefits combined Must not exceed 400,000 with all Group 2 and Subgroup 4.1-4.4 benefits combined
Subgroup 2.1 Medical service fees for diagnosis 25,000 30,000 As charged As charged
Subgroup 2.2 Treatment medical services, blood services and nursing services
Subgroup 2.3 Medicine, intravenous nutrition and medical supplies
Subgroup 2.4 Take-home medicine and medical supplies (Medical Supply 1), per admission, net exceeding 7 days 1,000
Group 3 Fees for medical professional services (physician), examination, physical services per confinement, not exceeding 125 days 800 per day 800 per day 1,000 per day 1,200 per day
Group 4 Fees for surgery and procedures per confinement Must not exceed 60,000 with all Subgroup 4.1-4.4 benefits combined Must not exceed 100,000 with all Subgroup 4.1-4.4 benefits combined Must not exceed 200,000 with all Subgroup 4.1-4.4 benefits combined Must not exceed 400,000 with all Subgroup 4.1-4.4 benefits combined
Subgroup 4.1 Operating or medical procedure room 60,000 100,000 As charged As charged
Subgroup 4.2 Medicine, intravenous nutrition and medical supplies and surgical devices
Subgroup 4.3 Medical professional services, physician (and assistant) fees for surgery & procedure, according to the doctor fee guideline
Subgroup 4.4 Physician fees-Anesthesiology, according to the doctor fee guideline
Subgroup 4.5 Medical expenses for organ transplantation are covered as charged (Limited 1 time per lifetime for this supplementary contract) 120,000 200,000 200,000 400,000
Group 5 Day Surgery Pay as charged (considered as an in-patient benefit)
2. Out-patient benefits
  Fees for diagnosis before and after in-patient treatment or fees for follow up OPD treatment, which are directly related to in-patient treatment, per confinement 3,000 3,500 5,000 5,000
  Fees for diagnosis directly related to in-patient treatment within 30 days before and after admission
  Fees for follow up OPD treatment (per admission) within 30 days after hospital discharge (excluding fees for diagnosis)
  Fees for OPD treatment of injury within 24 hours of each accident 4,000 6,000 8,000 8,000
  Fee for each of the post-treatment rehabilitation per confinement Not covered
  Medical services fees for chronic kidney failure treatment by hemodialysis per policy year. 20,000 35,000 50,000 50,000
  Medical services fees for tumour or cancer treatment by radiation therapy, interventional radiology, nuclear medicine, per policy year
  Medical services fees for cancer treatment by chemotherapy per policy year.
  Emergency ambulance fees per time 2,000 3,000 4,000 5,000
  Minor surgery per time 6,000 9,000 10,000 10,000
Deductible None
Additional benefits
3. Hospital Income Benefit in case of in-patient but not exercising an in-patient benefit claim (not exceeding 10 days per policy year) Not covered 1,000 per day
Maximum benefits per policy year None
Example: Standard annual premium for male aged 30 year-old. 5,464 7,596 11,662 14,014
Example: Standard annual premium for female aged 30 year-old. 7,279 9,276 13,994 15,416
Click to view the examples Benefits and Coverage
 

Value...with protection

Start planning your health protection for yourself today with Value Health insurance. Value Health allows you to pay premiums comfortably and get comprehensive and cost-effective protection. Stay worry-free about medical expenses.

Example: A 30-year-old woman in good health. She works as a merchant and plans for health insurance to reduce expenses in case she falls ill and looking forward for a premium that is worthwhile. Hence, her interest aims to Value Health insurance Plan 4000, with annual premium of 13,994 THB.

Value Health

Worth…for every moment of life

Value Health
Click to View Coverage Exclusions
 

Value Health Rider

Pre-existing conditions of chronic disease, injury or illness (including complications) that has not been treated prior to the date this Rider becomes effective for the first time, unless:

  • The insured has disclosed the pre-existing conditions to the company and the company has agreed to accept the risk without the coverage exclusion; or
  • Chronic disease, injury or illness (including complications) is asymptomatic, has not been treated or diagnosed by a doctor, or has not been seen or consulted by a doctor within 5 years prior to the first effective date of the rider and during 3 years from the date this rider becomes effective for the first time

Waiting period for

  • Any illnesses occurring within 30 days from the effective date of this rider or the date on which the company approves the additional benefits of this rider, whichever date is later or
  • Any of the following illnesses occurring within 120 days from the effective date of this rider or the date on which the company approves the additional benefits of this rider, whichever date is later such as
Tumors, cysts or all types of cancer Hemorrhoids All types of hernias Pterygium or cataracts
Tonsillectomy or adenoids All kinds of stones Varicose veins in the legs Endometrial hyperplasia
  • Tumors, cysts or all types of cancer
  • Hemorrhoids
  • All types of hernias
  • Pterygium or cataracts
  • Tonsillectomy or adenoids
  • All kinds of stones
  • Varicose veins in the legs
  • Endometrial hyperplasia

Value Health Rider

Shall not cover the expense for physical treatment or damage caused by the injury or sickness (including the complication of diseases), symptom or abnormal condition caused by:

  1. Conditions that are caused by congenital abnormalities, or congenital organ system defects, or genetic disorders, or growth development abnormalities.
  2. Diagnosis and treatment or cosmetic surgery or skin treatments, acne, melasma spots, freckles, dandruff, hair fall, or weight control, or optional surgery, except the construction of wound was caused by an accident under coverage.
  3. Pregnancy, miscarriage, abortion, childbirth, pregnant complications, infertility (including analysis and treatment), sterilization or birth control.
  4. Suicide, suicide attempt or self-injury
  5. Injury sustaining while the Insured is under the influence of alcohol, addictive substance, narcotic drugs to the extent that the persons faculties to operate are materially and appreciably impaired. The term “under the influence of alcohol” in case of having a blood test refers to a blood/alcohol level of 150 milligram percent and over.
  6. HIV positive or acquired immunodeficiency syndrome (AIDS) of the insured, whether directly or indirectly.

Remarks:

  1. Value Health insurance consists of Value Health Rider and Value Health Endorsement (Other Additional Benefits).
  2. This document is only a summary of preliminary benefits. The prospect insured should read the details of insurance protection, benefits and exclusion before purchasing. Overall, the complete terms and conditions and all exclusions can be inquired through the representatives or written policies.
  3. Policyholder is responsible for premium payment. Agents and brokers collecting insurance Premium is just the optional service.
  4. Health declaration is one of the consideration factors for eligibility to be insured or for insurance contract payment.
  5. Insurance underwriting is in accordance with the company's underwriting conditions.
  6. Value Health insurance premiums can be adjusted based on factors such as age, occupation, increased medical expenses, or the overall claims payment within the insured’s portfolio.
  7. Value Health insurance premiums can be used for personal income tax deductions, according to the rules set by the Revenue Department of Thailand.
  8. The coverage area under the insured's benefits of the rider is Thailand.

For more details, please contact our life insurance agents or financial advisors nationwide.