"ใช้ชีวิตอย่างมั่นใจ สบายใจเรื่องค่ารักษาพยาบาลจากอุบัติเหตุ เพราะมีความคุ้มครองตามไปทุกที่
กรมธรรม์ประกันภัยอุบัติเหตุส่วนบุคคล คุ้มครองตลอด 24 ชั่วโมงทั่วโลก"
จาก OCEAN LIFE ไทยสมุทร
Coverage and Benefit
| Benefit Details | Comprehensive coverage (Baht) | ||||
|---|---|---|---|---|---|
| Plan 130,000 | Plan 350,000 | Plan 500,000 | Plan 1,000,000 | Plan 2,000,000 | |
| 1. Death, dismemberment, total and permanent disability due to accident | |||||
| 1.1 General accident | 130,000 | 350,000 | 500,000 | 1,000,000 | 2,000,000 |
| 1.2 Murder and assault | 130,000 | 350,000 | 500,000 | 1,000,000 | 2,000,000 |
| 1.3 Motorcycle riding or passenger | 65,000 | 175,000 | 250,000 | 500,000 | 1,000,000 |
| 2. Medical expense per time (include murder and assault case and motorcycle riding or passenger case) | 2,500 | 5,000 | 50,000 | 100,000 | 100,000 |
| 3. Hospital daily benefit (include murder and assault case and motorcycle riding or passenger case) (A maximum of not exceeding 365 days per each injury, including sections 3.1 and 3.2.) | |||||
| 3.1 Room and Board per day (not exceeding 365 days) | 500 | 500 | 1,000 | 1,000 | 1,000 |
| 3.2 Intensive Care Unit (I.C.U.) per day (not exceeding 7 days) | 1,000 | 1,000 | 2,000 | 2,000 | 2,000 |
| 4. Death, dismemberment, total and permanent Disability due to public accident (additional coverage is provided from section 1.1.) | 130,000 | 350,000 | 500,000 | 1,000,000 | 2,000,000 |
| Combine the benefits of coverage clause 1.1 and clause 4. | 260,000 | 700,000 | 1,000,000 | 2,000,000 | 4,000,000 |
| 5. Death, dismemberment, total and permanent Disability due to accident on a public holiday (additional coverage is provided from section 1.1.) | 260,000 | 700,000 | 1,000,000 | 2,000,000 | 4,000,000 |
| Combine the benefits of coverage clause 1.1 and clause 5. | 390,000 | 1,050,000 | 1,500,000 | 3,000,000 | 6,000,000 |
| Combine the benefits of coverage clause 1.1, 4. and clause 5. | 520,000 | 1,400,000 | 2,000,000 | 4,000,000 | 8,000,000 |
1 year / 1 year
Public Holidays mean the days the government declares as national holidays in each calendar and National Labor Day This includes compensatory holidays on that date.
The day the government declares it a public holiday is New Year's Day, Makha Bucha, Chakri Day, Songkran Holiday, H.M. King's Coronation, Royal Ploughing Ceremony, Visakha Bucha Day, H.M. Queen's Birthday, Asanha Bucha, Buddhist Lent, H.M. King's Birthday, H.M. Queen Mother's Birthday, The Passing of King Bhumibol, Chulalongkorn Day, Father's Day, Thailand Constitution Day, and New Year's Eve.
Substitute Day means the day that is gazetted a public holiday in lieu of the public holiday for Christmas Day falling on a Saturday or Sunday. If a public holiday falls on a Saturday or Sunday It shall be deemed that the first working day or the first and second working day following a public holiday is a Substitute Day
Public accident means an accident which occurs to the Insured
The Exclusions contained herein are only some parts of all exclusions stated in the insurance policy. The Company shall not cover any loss or damages due to or a result of either of the following causes.
Q: Who is “Lueak ngai dai khum” personal accident insurance suitable for?
A: It is suitable for individuals who want 24-hour worldwide accident coverage and peace of mind regarding accident-related medical expenses. It is also ideal for those concerned about income loss during hospitalization, as you can choose plans that provide daily income compensation. There are 5 coverage plans available to suit different needs.
Q: Does occupation affect underwriting for “Lueak ngai dai khum” personal accident insurance?
A: Yes. This plan is available only for Occupational Classes 1 and 2.
- Class 1: Low-risk occupations, such as business owners, administrative or managerial roles, clerical work, or sales positions, typically office-based. This also includes manual work that does not involve machinery.
- Class 2: Moderate-risk occupations, such as business owners, managers, or employees who occasionally work outside the office, or those in industrial roles that may involve machinery. It also includes skilled or semi-skilled workers, and professionals who work outdoors most of the time.
Q: Is a medical examination required for “Lueak ngai dai khum”?
A: No medical examination is required; however, applicants must complete a health declaration in the application form.
Q: Can the insurance premium be used for tax deduction?
A: Yes. The insured can claim personal income tax deductions for health insurance premiums, up to 25,000 THB, in accordance with Revenue Department regulations.
Q: Can additional riders be attached to “Lueak ngai dai khum”?
A: No. This personal accident plan does not allow additional riders.
*Applicable for Plan 1,000,000 or Plan 2,000,000
**Applicable for Plan 500,000, Plan 1,000,000, or Plan 2,000,000; benefits apply to hospitalization in a standard room
