Key Benefits

1

Medical expense covered up to 2 million baht per confinement*

*Depending on Selected Plan and/or Benefits

2

Room and board covered up to 8,000 baht and maximum 365 days per year*

*Depending on Selected Plan and/or Benefits

3

Health insurance premium, can claims as a personal tax deduction up to THB 25,000.

4

Additional outpatient coverage can be purchased.

5

Cashless and direct billing with more than 300 medical network provider in Thailand**

**You may need to make reimbursement in the event that the company has to check the pre-existing condition.

Key Benefits

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Benefit Schedule

(Currency : Thai Baht)

 Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Maximum limit

 

          
Maximum limit per confinement1 THB 400,000 THB 600,000 THB 1,000,000 THB 1,500,000 THB 2,000,000
1.Inpatient Benefits

 

          
Article 1 Room charge, meal fee and hospital service fee (Inpatient) per confinement
1.1 Non-Intensive Care Unit (maximum limit per day) THB 2,000 THB 3,500 THB 5,000 THB 6,000 THB 8,000
1.2 Intensive Care Inpatient Room, Coronary Care Unit (CCU) Customary and Reasonable Medical Charges but up to Maximum limit per confinement1
Article 2 Medical fee for examination or treatment, blood and blood component service fee, nurse service fee, medicine fee, parenteral nutrition fee, and medical supplies fee per confinement. THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
2.1 Medical fee for examination Customary and Reasonable Medical Charges but up to Maximum limit under Article 2
2.2 Medical fee for treatment, blood and blood component service fee, and nurse service fee
2.3 Medicine fee, parenteral nutrition fee and medical supplies fee
2.4 Medicine fee and disposable supplies fee (Medical Supplies 1) for home medication
Article 3 Physician’s examination fee (Physician) (maximum limit per day and up to Maximum limit per confinement1 THB 1,000 THB 1,500 THB 2,000 THB 2,500 THB 3,000
Article 4 Operation (surgery) and procedure fee (maximum limit per confinement ) THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
4.1 Operating room fee and procedure room fee Customary and Reasonable Medical Charges but up to Maximum limit under Article 4
4.2 Medicine fee, parenteral nutrition fee, medical supplies fee, and surgery and procedure fee
4.3 (Doctor fee) / Physician’s fee for Physicians performing surgery and procedure (including assistant) (Physician fee)
4.4 (Doctor fee) / Physician’s fee for anesthetist (Physician fee)
4.5 Medical fee for organ transplantation
Article 5 Day surgery (maximum limit per confinement ) THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
2. Non-Inpatient Benefits

 

          
Article 6 Medical fee for related direct examination before and after hospitalization as an Inpatient or Outpatient treatment fee which is in consequence of or in connection with hospitalization as an Inpatient (maximum limit per confinement )2 THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
6.1 Medical fee for related direct examination which occurs within 30 days before hospitalization as an Inpatient and 60 days before and after hospitalization as an Inpatient2 Customary and Reasonable Medical Charges but up to Maximum limit under Article 6
6.2 Outpatient Treatment fee after hospitalization as an Inpatient for each consequential treatment within 30 days after such discharge from the hospital (excluding medical fee for examination)2
Article 7 Medical fee for Treatment of injury in Outpatient case within 24 hours after each accident2 THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
Article 8 Rehabilitation medicine fee after each hospitalization as an Inpatient per policy year2 THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
Article 9 Medical fee for Treatment of chronic kidney failure by hemodialysis through vascular access for each policy period (maximum limit per year)2 THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
Article 10 Medical fee for Treatment of tumor or cancer by radiotherapy, interventional radiology, and nuclear medicine for each policy period (maximum limit per year)2 THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
Article 11 Medical fee for Treatment of cancer by chemotherapy for each policy period (maximum limit per year)2 THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
Article 12 Ambulance fee (maximum limit per confinement)2 THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
Article 13 Medical fee for Mini Surgery (maximum limit per confinement)2 THB 40,000 THB 60,000 THB 100,000 THB 150,000 THB 200,000
3. Additional benefit

 

          
Loss Of Life, Dismemberment, Loss Of Sight Or Permanent Disability (PA1) including Assault & Murder, and motorcycle accident as a riding or a passenger THB 50,000 THB 100,000 THB 150,000 THB 200,000 THB 300,000
Additional benefit schedule : Optional benefit to purchase
           
Consultation Fees, Medicines, Drugs Prescribed by a Registered Physician, Laboratory Tests (1 Visit / Day, 30 Visits / Year) THB 1,000 THB 1,500 THB 2,000 THB 2,200 THB 2,500
24-hour International Emergency Medical Evacuation / Repatriation / Assistance Services and Hotline +66 2039 5766

Providing assistance services to patients or patients in emergencies 24 hours / 7 days during medical trips Protection will begin when the insured travels at least 150 kilometers from the current place of residence specified in the policy or crosses the border. However, the duration of the trip must be a maximum of 45 consecutive days. *Place of residence is Thailand only.

           
1. Worldwide medical evacuation & repatriation to place of residence (Thailand) up to maximum limit THB 1,000,000 THB 1,000,000 THB 1,000,000 THB 1,000,000 THB 1,000,000
2. Repatriation of mortal remains up to maximum limit THB 1,000,000 THB 1,000,000 THB 1,000,000 THB 1,000,000 THB 1,000,000
Area of coverage
           
Area of coverage Worldwide Worldwide Worldwide Worldwide Worldwide

Medical Treatment outside of Thailand

  • Treatment outside of Thailand, covered 24 hours worldwide excluding United States of America (USA)
  • Medical bills in United States of America will be covered only when treatment is due to injury from an accident or emergency treatment for life-threatening or potentially fatal only.
  • Treatment outside of Thailand, covers maximum 45 days from departure date outside of Thailand
  • Treatment outside of Thailand, the insured need to settle medical bill in advanced and reimburse with LMG.
  • In the case of claims documents in foreign languages (Non-English language), the claims documents must be translated into Thai or English language by government department or an accredited translation institute and is considered as the cost of the Insured for translation and to submit the claim documents to the Company.
  • The Company will pay for the costs of Medically Necessary services up to the maximum limit specific in the Benefit Schedule less any Deductible (if any). The Company will pay benefits in Thai Baht currency based on the exchange rate announced by the Bank of Thailand on the date specified in the receipt.

Elective treatment outside of Thailand, the company covers when:

3.1 This policy is excluding medical fees incurred in the United States of America.

3.2 Required pre-approval and agreed by the company before any treatment.

3.3 Benefits will be paid in the Thai currency and base on Thailand cost base.

Remarks

  1. 1Per confinement means Hospitalization as an Inpatient or treatment by day surgery at the Hospital (or “Health Facility”) each time and shall include hospitalization as an Inpatient or day surgery at the Hospital or Health Facility any times due to the same Injury or Illness which is not fully recovered including related or consequential complications within 90 days from the date of the latest discharge from the Hospital or Health Facility which shall be deemed as the same hospitalization.
  2. 2Non-inpatient benefits (Article 6 - 13), the insured must reserve the advance payment and reimbursement with LMG except for the emergency ambulance service fee (Article 12).
  3. Medical Necessity means the necessity to use medical services or other services of the Health Facility for examination or treatment of Injury or Illness which shall be subject to the following conditions:

         (1) the services must be consistent with the diagnosis and treatment according to the symptoms of the Injury or Illness in a treated person

         (2) there is a clear medical indication in accordance with the standards of modern medical practice

         (3) the services are not solely for the convenience of the Covered Person or the Covered Person's family or the medical service provider.

  1. The total maximum number of days for standard daily room including ICU and Coronary Care Unit (CCU) room is 365 Days.
  2. Cost of outpatient emergency treatment due to injury within 24 hours of the injury or accident occurring including 15 days follow up.  The Company will pay this benefit according to the amount actually paid but not exceeding the maximum amount per disability or the maximum benefit stated in the schedule whichever is smaller.
  3. Company reserves the right to cover for lab tests, x-rays, diagnostics & pathology test, MRI, PET & CT scan on a case by case basis for customary and reasonable medical expenses subject to the maximum limit per disability.
  4. Any treatment outside Thailand, the company will pay benefits based on the exchange rate prevailing on the date specified in the medical bill. In the case of claims documents in foreign languages (Non-English language), the claims documents must be translated into Thai or English language by government department or an accredited translation institute and is considered as the cost of the Insured for translation and to submit the claim documents to the Company.
  5. This insurance plan covers any hospital treatment outside the territory of Thailand. However, the duration of travel outside Thailand in each trip must be consecutive and maximum of 45 days.
  6. Benefits under Article 1 – 13 cover actual medical expenses as Customary and Reasonable Medical Charges but in total cover up to Maximum limit per confinement1
  7. The insured person shall pay the insurance premium. Payment of premiums through insurance agents or insurance brokers consider as the distribution services only.
  8. Universal Plus plan is marketing name of Universal Plus policy.
  9. This document is not part of the insurance contract.

Notes

Waiting Period
  1. The Company will not pay any benefit for any Illness occurring during the 30 days from the first day of the commencement date of the Insurance Policy or
  2. The Company will not pay any benefit for the following Illnesses which occurred in the period of 120 days from the first effective date of the Insurance Policy;

          2.1 Tumors, cysts or all types of cancer

          2.2 Hemorrhoids

          2.3 All types of Hernia

          2.4 Pterygium or Cataracts

          2.5 Tonsillectomy or adenoidectomy

          2.6 All types of Calculus

          2.7 Varicose Veins

          2.8 Endometriosis

      3. There is 180 days waiting period for Funeral Benefits if the death caused by sickness.

Reimbursement conditions

Reimbursement condition will be applied for the following benefits in which the insured must pay for the medical expenses upfront and get the treatment done, and later submit all the original bills together with medical certificate to reimburse with company after claims.

  1. Medical fee for related direct examination which occurs within 30 days before hospitalization as an Inpatient and 60 days after hospitalization as an Inpatient.
Eligibility - Applicants must satisfy the following :
  1. The applicants age must between 6 years old to 60 years old.
  2. For juvenile (age 6 years - 15 years old) must apply with 1 adult (Age 20 - 55 years) and the juvenile must apply for same plan or lower than adult.
  3. The juvenile age 6 years - 15 years old must submit full medical record or baby book.
  4. The applicant must be Thai resident or reside in Thailand at least 6 months in 12 months period.
  5. All applicants must complete an application form and medical questionnaire. In some cases, we may request additional information.
  6. Applicant ages 45 years old and over are required to submit application form with medical check-up or medical records.
  7. Insurance policy will be effective after LMG approves the insurance application.
  8. Premium will be adjusted according to the changing age.
  9. Insurance policy does not cover pre-existing conditions and/or any treatment that are not complete at the time the policy commences.
  10. The annual premium includes 0.4% stamp duty.
Insurance Terms and conditions for Renewal Year
  1. Once your application is approved, your policy will be continued renewal up to age 99 irrespective of your health condition or claims record.
  2. The Company may adjust the premium for a Policy Year, to reflect the age ranges and claim records of the respective Covered Persons, according to the rates approved by the registrar. The Company will give prior written notice thereof to the Covered Persons
  3. In the renewal years, the insurance policy can be renewed after underwritten and approved by LMG.
  4. This plan’s benefits limit are offered on per policy year basis. At the renewal year, the benefits annual limit will be reset for the policy year.
  5. For the renewal premium, please refer to the Renewal Notice Letter.
  6. Rates are subject to change without prior notice.
  7. 5% No Claim Discount will be offered on renewal year if there is no claim reported
Major of General Exclusions

This insurance does not cover any expenses arising from Medical Treatment, or damage arising from an Injury or Illness (including any complication), symptom, or irregularity, caused by:

  1. Chronic disease, injury or illness that has not been cured before the date of the insurance contract (including complications that may occur later) or can be clinically proven or certified that such disease or disorders has occurred before the Insurance contract date, Birth Defect or Congenital Anomalies and Abnormalities, chronic disease, injury or illness which occurred prior to the effective date of the policy (including complications or recurrence that may occur later), abnormal growth, developmental problems, genetic disorders, hernias in a child age under 16 years old, circumcision, surgical treatment for Scoliosis, surgical treatment for Deviate Nasal Septum.
  2. Cosmetic related treatment, surgery for reconstruction, skin treatment, acne, blemish, freckles, dandruff, scaring, hair loss, underweight or overweight, surgery to fix or adjust body defects, elective surgery, cosmetic surgery, unless the surgery on the organ is to fix and return it to normal function(s) which were damaged by the accident that was covered by this Insurance Policy. Such surgery must not be performed on genitals or breast.
  3. Normal pregnancy, prenatal postnatal complications, childbirth delivery or termination of pregnancy or any consequence of it, except as specified otherwise in the Covered Person’s plan in this Policy.
  4. Acquired Immune Deficiency Syndrome caused by the Human Immuno-deficiency Virus (HIV) infection including opportunistic pathogenic infection, Malignant Neoplasm or infection or any illness that reveals an HIV (Human Immunodeficiency Virus) positive blood test.  Opportunistic pathogenic infection is also including but not limited to Pneumocystis Carinii Pneumonia, Organism or Chronic Enteritis, Disseminated Viral/Fungi Infection, Malignant Neoplasm including but not limited to Kaposi’s Sarcoma, Central Nervous System Lymphoma and/or any severe diseases known that are caused by AIDS or sudden death, illness or disability. AIDS includes HIV, Encephalopathy (Dementia) , viral epidemics, Venereal disease and sexually transmitted diseases.
  5. Treatment or usage of drugs or substances for anti-ageing or giving of replacement hormone during climacteric or menopause, or for any bodily change arising from any physiological or natural cause, corporal imbecility in a female or male, treatment of sexual disorder, gender confirmation or transgender surgery.
  6. General Health Check-up, request to be admitted at a Hospital or Medical Center, request for a surgical treatment, rehabilitation or rest for recuperation or treatment by only resting methods, any investigations that are not relating directly to an admission to a Hospital, Medical Center or Clinic, investigations for any injury or illness, treatments or laboratory tests which are considered as non-medical necessity or non-medical standard.
  7. Investigation and treatment for abnormal eyesight, corrective eye muscle surgery, LASIK, expenses for vision devices, treatment, investigation or surgery for all types of strabismus.
  8. Dental treatments, surgery or prevention of periodontal disease (gum disease), dental or Jaw disease, bruxism, prosthetic dentistry, dentures, crowns, root canal therapy, filling, orthodontic treatment, scaling, tooth extraction, root implants with the exception of accidental injury to teeth whilst the insurance policy is in force but also excluding dentures, crowning, orthodontics, dental bridge, root canal treatment or root implants.
  9. Treatments for alcoholism and complications, treatment of narcotic drug addiction, cigarettes, alcohol or psychoactive substances.
  10. Diagnostic, investigations or treatments symptoms or disease relating to mental illnesses, psychiatric, stress, anxiety, psychotic state, abnormal behavior or characteristics, attention deficit disorder, autism, stress, including eating disorders or anxiety.
  11. Any experimental treatment, examination or treatment for Obstructive Sleep Apnea, sleeping disorders or snoring.
  12. Any inoculations and vaccinations excluding rabies vaccination after animal bite and tetanus vaccination after injury.
  13. Any treatment that is not considered as modern medical treatment including alternative medical treatments.

Remarks :

  • The above terms and conditions are only part of the insurance policy. Please study the full details and exclusions in the insurance policy.
  • Benefits Details of coverage conditions and complete exclusions are stated in the insurance policy. The insured person should study and make understand the coverage details and conditions before deciding to purchase insurance.
Submission of the Proofs of Claim

The above proofs must be submitted within 30 days from the date of discharge from a Hospital or Health Facility, or the date of treatment at a clinic. The receipt must be an original. The Company will return the original receipt, bearing the certification of the amount paid, to the Covered Person for use in a claim for a shortfall amount from another insurer.

Claims process

1 Through the hospital network provider (fax claim or outpatient credit)

2 Direct billing to LMG

Submit the following documents:

  1.  A completed claim form download from LMG website or consult with your agency or broker.
  2. A copy of your ID card
  3. A copy of the first page of the Insured's bank passbook
  4. A medical report stating your symptoms, diagnosis and treatment. For treatment of skin diseases, the name of the prescription is also required.
  5. Original receipts containing breakdown of costs
  6. Letter of Attorney for Disclosing Medical Report (company form)
  7. Laboratory results / X-ray results / Computed tomography (CT scan) results / Magnetic resonance imaging (MRI) results / Biopsy results / Pathology results Picture Take / read X-ray film , CT , MRI (if any)
  8. Medical report certified by specialist/eye examination (issued by an ophthalmologist) (if any).
  9. A copy of the daily memorandum of the case that has been duly certified by the investigating officer (if any).
  10. Other documents up on requested  by the company.

Remarks:

- In case the insured person or beneficiary is juvenile aged less than 12 years old sign by yourself. Required parent or the legal representative of the insured person or beneficiary to certify with.

- In the case of signing by finger print, required at least 2 witnesses to certify.

- ​We may not pay your claim if you're not able to provide an original receipt for your medical costs

This brochure is not an insurance contract. The precise terms and conditions are specified in the policy contract. The applicant should study coverage details and conditions before applying for an insurance policy. 

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