| Insurance Underwriting : year 2022 - year of birth = Insurance year |
| Example : 2022 - 1955 = 67 years old |
| 1. | Eligibility of Applicant for Non-Immigrant Visa O-A : |
| 1.1 Applicant must intend to apply for Non-Immigrant Visa O-A in Thailand. | |
| 1.2 Applicant must be aged 50 - 70 years (can be renewed up to 80 years old subject to satisfactory of claim experience). | |
| 2. | This insurance will not pay the benefits for any sickness during the first 30 days from the first policy commencement date of this insurance policy. |
| 3. | This insurance will not pay the benefits during the first 120 days from the first commencement date of this insurance policy for the following diseases : Benign, Malignant tumor, Cancer, Cystic mass, Hemorrhoids, Hernias, Pterygium, Pinguecula, Cataract, Tonsillectomy or Adenoidectomy, Stones, Varicose Veins, and Endometriosis |
| 4. | Funeral benefits or any funeral expenses (only in case of death from illness) can only apply after 180 days from the first policy inception |
| 5. | Covid19 Patient(s) who shall be considered as a "Inpatient" in the hospital must have the medical necessity and medical standards in according to Ministry of Public Health's requirements and also meets one of the followings. |
| 5.1 Fever higher than 39 degrees Celsius with period longer than 24 hours. | |
| 5.2 Breaths faster than 25 breaths per minute for adults | |
| 5.3 Oxygen Saturation < 94% | |
| 5.4 Any underlying disease that has change or needs for close monitoring at the Physician's discretion | |
| 5.5 For children if having breathing difficulty, lethargy, or lesser consuming milk/meal. |
| This insurance does not cover the cost of treatment or losses arising from injury or illness (including complications thereof) symptoms or conditions arising from the following: | |
| 1. | Pre-existing conditions, congenital abnormalities, growth development abnormalities, and genetic disorders. |
| 2. | Any cosmetic surgery or beautification treatment including treatment of acne, freckles, dandruff, weight reduction and weight gain, hair loss. Reconstructive surgery is also excluded unless injury is sustained as a result of an accident. |
| 3. | Services in connection with infertility, pregnancy, childbirth, abortion or miscarriage, or any causes related to pregnancy, sterilization or investigation of sterilization. |
| 4. | AIDS, related or sexually transmitted diseases (STD). |
| 5. | Treatment to relieve symptoms commonly associated with aging, menopause or precocious puberty, sexual dysfunction of sex change. |
| This insurance does not cover the cost of treatment or losses arising from injury or illness (including complications thereof) symptoms or conditions arising from the following: | |
| 1. | The Company reserves the right to reject any application or accept with exclusions (if any), according to underwriting standard of Company. |
| 2. | This insurance is based on year-to-year basis (Not an automatic renewal guarantee). |
| 3. | This document is not an insurance contract, all conditions shall be referred to definitions General Conditions and Exclusions of the original Personal Health and Accident Insurance Policy. |
| 4. | The English language used in this document is merely a translation of Thai Version. |
