Raksmey Sovattepheap
Is a one-year life insurance prooduct which covers the risk of Total and Permanent Disability or death due to accident or illness.
In addition, the Insured can choose the optional benefit which is the Prak Somrak Pet as the additional benefit.
BENEFITS
*For detail terms and conditions, please refer to our insurance policy.
PRODUCT FEATURES
PREMIUM
EXCLUSIONS
Death or Total and Permanent Disability (TPD)
The insurer will not pay claims if the death or Total and Permanent Disability of the insured person results from:
1). Death or Total and Permanent Disability occurring within the first sixty (60) days from the policy's effective date, caused by the critical illness.
2). Human immunodeficiency virus (HIV), AIDS, or diseases related to AIDS.
3). Attempted or committed criminal acts or any illegal activities.
4). Participation in activities such as war, invasion, rebellion, civil commotion, riots, popular uprisings against the government, and acts of terrorism.
5). Any epidemic disease referring to the outbreak of serious diseases as defined by the Ministry of Health.
6). Death or TPD resulting from the insured is performing duties as a member of armed forces (military, police, armed forces) or law enforcement.
7). Any disability resulting from diseases, injuries, or treatments of the insured prior to the start date of the insurance policy.
8). Death or disability resulting from the actions of the insured while under the influence of alcohol at a level of 0.8 grams per liter in the blood or drugs that impair the ability to control emotions.
Hospital Allowance (PRAK SOMRAK PET)
The insurance company will not pay compensation if treatment of the insured is caused by:
1). Suicide attempts or self-harm while in a good or impaired mental state.
2). Rest and treatment or health care from illegal drug addiction, intoxication, withdrawal, sexually transmitted diseases and their consequences, AIDS, and diseases related to the AIDS virus.
3). Attempting to commit or committing any criminal offense or illegal activity.
4). Participation in activities such as war, invasion, revolution, riots, civil disobedience, protests, and popular uprisings against the government and acts of terrorism.
5). Any epidemic disease refers to the outbreak of serious diseases defined by the Ministry of Health and any infectious disease that requires mandatory reporting by authorities.
6). Cosmetic surgery/cosmetic procedures, eye examinations, glasses, and correction of eye defects (Radial Keratotomy or Lasik).
7). Dental health care.
8). Treatment or surgery for congenital defects or disabilities, including hereditary conditions.
9). Pregnancy, childbirth, miscarriage, abortion, and prenatal or postnatal care and surgery or treatment related to complications or intoxication.
10). Radioactive iodine or contamination from radioactive substances from nuclear fuel or any nuclear waste from the process of nuclear fission.
11). Investigation and treatment of sleep disorders and anxiety, hormone replacement therapy.
12). Mental illness, psychological disorders, or neurological disorders (including neurological diseases and their physical or psychological symptoms).
13). Diseases or injuries resulting from any type of racing (except foot racing), dangerous sports such as, but not limited to, skydiving, water skiing, underwater activities requiring breathing apparatus, winter sports, professional sports, and illegal activities.
REQUIRED DOCUMENTS FOR CLAIM:
1. Death Claim Requirement:
2. Total and Permanent Disability Requirement:
3. Hospital Allowance (Prak Somrak Pet) Claim Requirement:
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