OCHI Small PA

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

1. while the Insured is a passenger in a train, skytrain, subway, public transportation bus, minibus, Borkorsor transport bus, affiliated Borkorsor transport bus, affiliated public transportation van.
2. while the insured is an elevator passenger and an accident occurs on a public elevator for carrying persons or goods between floors in public buildings This does not include elevators used in the mines. or construction site.
3. while the insured is in a public building during the opening hours for the general public and a fire broke out in that public building including jumping from the fire to save lives.

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.
1. In case that the insured knowingly makes false statement or knowingly omits to disclose any fact to the Company for acknowledgement while applying for the insurance, where if the Company had known of such fact, the Company has the right to void the insurance contract and not to make any policy payment.
2. Suicide, suicide attempt or self-inflicted injury
3. Miscarriage
4. Act of the insured while under the influence of alcohol, narcotic drug or narcotic substance that impairs the mental faculty The term “under the influence of alcohol” is in case of having blood alcohol concentration (BAC) test result of 150 mg/dL or over.

Q: Who is OCHI Small PA suitable for?
A: It is suitable for people who want coverage in the event of accidental death without paying high insurance premiums. Customers can also choose additional medical expense coverage and/or daily income compensation plans based on their lifestyle needs.

Q: Does occupation affect the underwriting consideration for OCHI Small PA?
A: OCHI Small PA is available only for Occupational Classes 1 and 2.
Occupational Class 1 refers to jobs with a low risk of accidents, such as business owners, administrative or management personnel, clerical workers, or sales staff in businesses or trade, who mainly work in offices, including handicraft work that does not involve machinery.
Occupational Class 2 refers to jobs with a moderate risk of accidents, such as business owners, management personnel, or employees who occasionally work outside the office, industrial workers with specialized or semi-specialized skills who may sometimes use machinery, or professionals who work outdoors most of the time.

Q: Is a medical check-up required for OCHI Small PA?
A: No medical check-up is required. However, applicants must provide a health declaration in the insurance application form.

Q: Can OCHI Small PA premiums be used for tax deduction purposes?
A: Policyholders can use eligible health insurance premiums for personal income tax deductions up to THB 25,000.

Q: Can additional riders be attached to OCHI Small PA?
A: No, additional riders cannot be attached to OCHI Small PA.

*In case of death due to a general accident during the 1st policy year
**In case of death due to a public accident during the 1st policy year
***Applicable to Plan 2 coverage for inpatient hospitalization in a standard room

• Ochi Small PA is a marketing name of Ochi Coverage Accident
• % means the percentage of the sum assured.
• Underwriting is subject to the Company’s terms and conditions.
• The Company reserves the right to require a medical examination or request additional medical documents if necessary.
• Benefits and coverage are subject to the insurance policy’s terms and conditions.
• Tax Deduction according to the rules prescribed by the Revenue Department
• This is only basic information. An insured should read aware of coverage condition, benefits, and exclusions of an insurance policy.