Jai Kwang Tem Max

Personal Accident
Personal accident coverage up to 400%

Personal accident coverage up to 400%

In case of death from a public accident which occurs on a public holiday
Increase the sum assured every year by 5%**

Increase the sum assured every year by 5%**

but pay a fixed premium
Coverage Medical Expense in case of accident

Coverage Medical Expense in case of accident

up to 100,000 Baht / time***

Introduction of Insurance

Insurable Age

Insurable Age

5 – 70 years (Jai Kwang Tem Max 1)
5 – 60 years (Jai Kwang Tem Max 2)
Minimum Sum Assured

Minimum Sum Assured

Coverage Plan
Plan 1 : 200,000 Baht
Plan 2 : 300,000 Baht
Plan 3 : 400,000 Baht
Plan 4 : 500,000 Baht
Plan 5 : 1,000,000 Baht
Mode of Premium Payment

Mode of Premium Payment

Annually (Jai Kwang Tem Max 1)
Single Payment (Jai Kwang Tem Max 2)
Rider Attachment

Rider Attachment

Not Allowed
Health Checkup

Health Checkup

Health questions required without medical checkup

Tax Deduction

Tax Deduction

Enjoy the tax benefit at the end of the year with eligible amount for tax deduction partially

Coverage and Benefit

Conditions of Insurance

5 years / Annually (Jai Kwang Tem Max 1)
5 years / Single Payment (Jai Kwang Tem Max 2)

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.

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

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.

Remark :
* % of the sum assured according to selected plan in case of death from a public accident which occurs on a public holiday
** Coverage for Death, Dismemberment or Total Permanent Disability in case of accident
*** For Plan 1,000,000 % means the percentage of the sum assured.
% means the percentage of the sum assured.
- Underwriting is subject to the Company’s terms and conditions.
- Health check up and health declaration might be the factor of underwriting process if necessary.
- Benefits and coverage are subject to the health 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.

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