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First-class Health Care Plan
With Coverage limit up to 100 million Baht per year Provides health coverage in over 45 hospitals under the BDMS network across the country and Cambodia.
Covers all medical treatments Provides coverage for Inpatient, Outpatient,
Dental, Maternity and Vision.
Covering health check-up cost of 20,000 Baht per year The contract must be effective continuously for more than 12 months.
Taking care of you during illness period Medical Evacuation Service, Concierge Service and Nursing Care Service.
Exclusive privileges for HEALTH PRESTIGE customers Special birthday present and exclusive phone number to provide you the insurance policy services.
Beyond Platinum Plan
Platinum Plan
Benefits and Coverage Beyond Platinum Plan
Maximum per Policy Year 100 million Baht
1. Inpatient Hospital Benefits from My First Class Health Care @BDMS
2. Outpatient Hospital Benefit (maximum per Policy Year)
3. Dental treatment fee (80% of medical treatment fee), maximum per Policy Year 100,000 Baht
4. Vision treatment fee1 (80% of medical treatment fee), maximum per Policy Year 15,000 Baht
5. Medical Expense for Pregnancy and Childbirth2 (maximum per each pregnancy and childbirth)
6. Level of Benefit payment
Benefits and Coverage Platinum Plan
Maximum per Policy Year 80 million Baht
1. Inpatient Hospital Benefits from My First Class Health Care @BDMS
2. Outpatient Hospital Benefit (maximum per Policy Year)
Able to purchase additionally
3. Dental treatment fee (80% of medical treatment fee), maximum per Policy Year Able to purchase additionally 50,000 Baht (Additional from the benefits 80 million Baht)
4. Vision treatment fee1 (80% of medical treatment fee), maximum per Policy Year Not covered
5. Medical Expense for Pregnancy and Childbirth2 (maximum per each pregnancy and childbirth)
Not covered
6. Level of Benefit payment
1 This rider/endorsement must be effective continuously for more than 12 months.
2 The rider must be effective continuously for more than 10 months for childbirth and more than 3 months for miscarriage.
3 In case of critical emergency patient outside Thailand, the starting date of admission in hospitals outside Thailand shall be occurred within 30 days from the travelling date of each overseas travel. (according to day and time of Thailand)
Details of Underwriting for My First Class Health Care @BDMS Beyond Platinum Plan (100 Million Baht)
Entry age 6 – 70 Years old (renewal up to 84 years old)
Basic policy attached with
Ayudhya Term 1/1 100,000 Baht
Other insurance plan which can be attached with the health coverage rider. 100,000 Baht and up
Additional Conditions
  • Each applicant can apply only 1 application of My First Class Health Care @BDMS.
  • The applicant having age from 1 month 1 day to 5 years can apply for Platinum Plan only if his/her father, mother or premium payer also applies for My First Class Health Care @BDMS.
Details of Underwriting for My First Class Health Care @BDMS Platinum Plan (80 Million Baht)
Entry age 1 Month 1 Day – 70 Years old (renewal up to 84 years old)
Basic policy attached with
Ayudhya Term 1/1 50,000 Baht
Other insurance plan which can be attached with the health coverage rider. 100,000 Baht and up
Additional Conditions
  • Each applicant can apply only 1 application of My First Class Health Care @BDMS.
  • The applicant having age from 1 month 1 day to 5 years can apply for Platinum Plan only if his/her father, mother or premium payer also applies for My First Class Health Care @BDMS.
Remark
  • The underwriting shall depend upon the Company’s underwriting guideline.
  • My First Class Health Care @BDMS is the marketing name. The name of the insurance plan stated in the policy is First-Class Health Care – Platinum Plan and First-Class Health Care – Beyond Platinum Plan.
  • The information contained herein is provided as illustrative information only. The customer is advised to study further information regarding the insurance coverage, terms and conditions, exclusions and benefits from the Company’s policy only.
  • The customer should understand the details, coverage and conditions of the insurance plan before applying the insurance.
  • The premium payment is the obligation of the insured. The collection of premium by the Agent or Broker is as a service only.
  • The insured is entitled to a personal income tax deduction for the premium of health coverage, not exceeding 15,000 Baht per year (if any) but the total premium of the life coverage including the health coverage shall not exceed 100,000 Baht per year, according to the Revenue Department regulations.
Examples of Exclusion of Coverage
  • Pre-existing condition.
  • Any illness occurring within 30 days from the effective date of the rider but it does not apply for accident case.
  • Non-conventional medical treatment (subject to the current standard of medical practice), as well as the alternative medical treatment.
  • General health check-up, the request for the medical treatment in a Hospital or medical clinic, or request for a surgical operation, recovery or rest for relaxation, analytical examination to investigate other causes which is not direct to the medical treatment in the Hospital or Medical Service Center or Clinic, examination to diagnose an Injury or Illness, treatment or analytical examination to investigate any cause, which may not be the Necessary Medical Treatment or Medical Standards. Unless a health check-up is covered by the Coverage.
  • The Medical Treatment occurs outside the hospitals or clinics under the BDMS network, which is both planned and unplanned, except for Emergency Patient or Critical Emergency Patient occurs in Thailand and Critical Emergency Patient occurs outside Thailand.