Tokio Good Health

A lump sum health insurance plan is a type of health insurance that offers a high coverage limit for medical expenses. It sets an annual coverage limit without separating the costs into individual expenses. Within one year, policyholders can receive unlimited medical treatments, with the insurance company paying the actual medical costs up to the predetermined limit.

• In lump sum insurance, the insurance company sets an annual limit for medical expenses, allowing for unlimited treatments throughout the year.
• In itemized insurance, the insurance company allocates funds for specific items such as room charges, medication, and surgery costs. Claims can be made for actual expenses, but they must not exceed the specified limits for each coverage category.

• Offers a high coverage limit.
• Provides comprehensive coverage across various medical needs.
• No additional out-of-pocket expenses if costs do not exceed the set limit.
• Highly flexible.
• Simplified and straightforward claims process.

• Ideal for individuals concerned about health issues and medical expenses.
• Suitable for those who seek more comprehensive coverage than what typical health insurance offers.
• Perfect for individuals planning to purchase health insurance for their family.

Yes, it provides comprehensive coverage for both outpatient (OPD) and inpatient (IPD) treatments.

• Does not cover pre-existing conditions. The insurance company will not pay benefits under this additional contract for chronic diseases, injuries, or illnesses (including complications) that were not treated before the effective date of this additional coverage.
• Does not cover chronic diseases, injuries, illnesses, and complications that did not show symptoms or were not diagnosed by a doctor within the five years prior to the start of the insurance coverage, and during the first three years of the insurance policy being in effect.

• ไม่คุ้มครองสภาพที่เป็นมาก่อนการเอาประกันภัย (Pre-existing Condition) บริษัทจะไม่จ่ายผลประโยชน์ตามสัญญาเพิ่มเติมนี้ สำหรับโรคเรื้อรัง การบาดเจ็บ หรือการป่วย (รวมถึงภาวะแทรกซ้อน) ที่ยังมิได้รักษาให้หายก่อนวันที่สัญญาเพิ่มเติมนี้เริ่มมีผลคุ้มครองเป็นครั้งแรก 

• ไม่คุ้มครองกรณีโรคเรื้อรัง การบาดเจ็บ อาการป่วย และภาวะแทรกซ้อนเหล่านั้น ไม่ปรากฏอาการ หรือไม่ได้รับการตรวจโดยแพทย์ ในระยะ 5 ปีก่อนวันที่ประกันเริ่มมีผลคุ้มครอง และในช่วง 3 ปีนับตั้งแต่วันที่ประกันเริ่มมีผลคุ้มครอง

• Illnesses occurring within the first 30 days from the start date of the insurance coverage.
• The following conditions, if they occur within 120 days from the start of the insurance coverage:
  • All types of tumors, cysts, or cancer.
  • All types of hernias.
  • Tonsillectomy or adenoidectomy.
  • Varicose veins in the legs.
  • Hemorrhoids.
  • Fibroids or cataracts.
  • All types of kidney stones.
  • Abnormal growth of the endometrial lining.
• Annual health check-ups and vaccination costs incurred within 300 days from the start date of the insurance coverage.

There are a total of 9 plans available, including:

VIP

• Plan 2000
• Plan 3000
• Plan 4000

Premie

• Plan 6000
• Plan 8000
• Plan 10000

Premier Loyal

• Plan 12000
• Plan 15000
• Plan 25000

For further details, refer to the Tokio Good Health brochure.

Enhance your coverage for peace of mind, easing your concerns when you fall ill. The coverage limit doubles in cases of 18 severe illnesses. Even if you're not currently ill, we provide care with annual health check-ups and vaccinations included.

•  Advanced stage cancer
• Non-cancerous brain tumors
• Severe hepatitis virus infection
• Liver, pancreas transplant or bone marrow transplantation
• Aplastic anemia
• Acute myocardial infarction
• Coronary artery bypass surgery
• Coronary artery disease
• Open heart valve surgery
• Surgery for aortic dissection
• Lupus nephritis from systemic lupus erythematosus
• Chronic kidney failure
• Surgical treatment of cerebral aneurysm
• Primary pulmonary hypertension
• Severe chronic obstructive pulmonary disease/end-stage lung disease
• Heart, lung, or kidney transplant
• Chronic osteomyelitis (Paget's disease)
• Stroke caused by cerebral hemorrhage or occlusion

Yes, the premium for lump sum health insurance is tax deductible up to a maximum of 25,000 THB, subject to conditions set by the Revenue Department.

You can purchase lump sum health insurance from the ages of 11 to 70 years, with the option to renew up to the age of 84.

We recommend this insurance plan for

• Individuals who have never had a medical expense coverage policy.
• Those seeking comprehensive OPD and IPD health insurance with high coverage limits.
• Individuals looking to purchase health insurance for their family members.
• Those who want health insurance that includes free health check-ups.

This plan may not be suitable for you if

• You prefer insurance that offers categorized benefit payouts.