Example : A father has a medical expense for employee’s welfare from his company that covers his family. However, since the benefit he receives may not be sufficient, he purchases Value Health Kids Premier Rider Plan 5000 with a deductible of 10,000 baht per confinement for his 3-year-old son. The annual premium is 67,698 baht to cover more medical expenses and prevent unexpected high medical costs.

In the case that the son is sick and hospitalized before the policy anniversary when he attained the age of 11 years old

(1) Out-patient medical expenses benefit 2,000 baht per time (Maximum 1 time per day and 30 days per policy year)
(2) The maximum benefit is as stated in the Benefits and Coverage Table for each coverage category of Value Health Kids Premier Rider Plan 5000

From the 11^th policy anniversary onwards, the son's coverage will automatically be converted to Value Health Kids Premier Plan 5000 without deductible⁽¹⁾

In the case that the son is sick and hospitalized from the policy anniversary when he attained the age of 11 years old onwards

(1) From the policy anniversary year in which the insured attained the age of 11, the coverage plan will be automatically converted to a without deductible plan, according to the terms and conditions specified in the policy
(2) The maximum benefit is as stated in the Benefits and Coverage Table for each coverage category of Value Health Kids Premier Rider Plan 5000
(3) Out-patient medical expenses benefit 2,000 baht per time (Maximum 1 time per day and 30 days per policy year)

Value Health Kids Premier Rider

Pre-existing medical conditions before the effective date: The company will not pay benefits under this rider for any chronic disease, injury or illness (including complications) which has not been fully cured prior to the first effective date of this rider except;

• The insured has disclosed the pre-existing conditions to the company and the company has agreed to accept the risk without the coverage exclusions; 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: The company will not pay the following cases 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

• Tumor, cysts, or any type of cancer
• Hemorrhoids
• All types of hernia
• Pterygium or cataract
• Tonsillectomy or adenoidectomy
• All types of stones
• Varicose veins in the legs
• Endometriosis

Value Health Kids Premier Rider

This rider does not cover any expenses incurred from hospital treatment or any damages incurred from Injuries or Illnesses (including any complications), symptoms or abnormalities arising from:

1. Conditions that are caused by congenital abnormalities, or congenital organ systems defects, or genetic disorders, or pervasive development disorders
2. Cosmetic surgery or any other treatments for skin beauty purposes, pimple and blemish treatments, dandruff and hair fall treatments, or weight control, or elective surgeries
3. Expenses incurred from the diagnosis and treatment that the Insured is acting as his/her own Physician, and also such expenses that the Insured's parent, spouse, or child is acting as the Physician
4. Suicide, suicide attempt, or self-inflicted injuries
5. Injuries arising while under the influence of alcohol or narcotic drugs or substance up to the state of insanity or psychiatric or psychological disturbance. “While under the influence of alcohol” means the blood test shows alcohol level from 150 milligram percent and over.

Note

1. This advertising media is only a summary of preliminary benefits. Please read the details of the coverage conditions and exclusions before deciding to purchase any insurance products. The coverage conditions and complete exclusions can be inquired from your agents or from your life insurance policy details.
2. Premium payments is the responsibility of the insured. Premium collection by life insurance agents and brokers is a service only
3. A health declaration is one of the factors for underwriting or benefits payment consideration
4. Insurance underwriting is in accordance with the company’s underwriting conditions
5. Value Health Kids Premier Rider health insurance premiums may be adjusted based on several factors, including the individual’s age, occupation, the rising medical treatment costs, or the overall compensation payment experience of the portfolio of this additional rider.
6. Value Health Kids Premier Rider health insurance premiums is eligible for tax deduction in accordance with the announcement from the Revenue Department
7. The territory of according to the coverage benefits of the rider is Thailand only
8. In the event that the insured has claim history in accordance with one of the copayment conditions in the renewal year, the copayment requirements will be added into the coverage agreement (for the new health standard policy which has an effective date starting from 20 March 2025 onwards)