Ocean Life Smart PA
Maximum Coverage for Medical Expenses up to 100,000 Baht in case of accident(worldwide) / time
Daily compensation benefit of 1,000 Baht in case of hospitalization
Receive cash bonus 15,000 Baht in case of accident from bone fracture
Introduction of Insurance
Minimum Sum Assured
Plan 1 : 300,000
Plan 2 : 500,000
Plan 3 : 800,000
Plan 4 : 1,000,000
Mode of Premium Payment
Coverage and Benefit
Conditions of Insurance
5 year / 5 year
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
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.
*For plan 1,000,000
**For patient standard room
- Bone means Bones of the Skull, Humerus, Femur, Ulna, Radius, Tibia, Fibula except Cartilage.
- Funeral fee caused by illness (after 180 days from the 1st effective date)- 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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