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Critical Illness

Protect yourself and your loved ones from Serious Illnesses with Critical Illness Insurance.

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4.7/5

Why Should You Buy Critical Illness Insurance?

With Critical illness, you can get coverage for five essential illness categories up to 3,000,000 baht. For just a few thousand baht, you can get critical illness insurance that covers you up to millions of baht.

What is Critical Illness Insurance?

If you’re lucky, you’ve never required or seen critical illness insurance before. It’s possible you’ve never heard of it before. However, in the event of a major medical emergency, such as cancer, a heart attack, or a stroke, critical illness insurance could be the only thing that keeps you from going bankrupt. 

Whether you are considering critical illness insurance just for yourself or also your family. Critical illness insurance provides additional coverage for medical emergencies or illnesses that often incur greater-than-average medical costs, these policies pay out cash to help cover those overruns where traditional health insurance may fall short.

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Benefits of Critical illness insurance:

Many individuals believe that a normal health insurance plan covers them completely, yet the expensive costs of treating life-threatening illnesses are frequently more than any health insurance plan will cover.

 

Coverage

Covers five critical illnesses groups, with an insured amount up to 3,000,000 baht until the age of 65.

Customisable

You can pick and choose the  disease groups that concerns you most. So you only pay for what you need.

Flexible

Adjust, increase, or reduce insurance premiums as you wish and choose a plan according to your budget.

Affordable

Premiums start at two baht per day and you can apply without having to purchase life insurance.

Payouts

Receive hospital and home nursing care daily compensation, if recommended by treating doctor.

Protection

Taking care of you for both early and late stage illnesses. so you can stay worry-Free about  enormous medical bills.

Here are some examples of the costs of treating serious diseases

Many individuals believe that a normal health insurance plan covers them completely, yet the expensive costs of treating life-threatening illnesses are frequently more than any health insurance plan will cover.

Cancer

Diagnostics – Starts at 30,000฿
Surgery operation – Starts at 200,000฿
Radiation Therapy – 100,000 to 500,000฿
Chemotherapy – 400,000 to 1,200,000฿

Total
1,930,000฿
(Excluding Specialty nurse fee benefits and inpatient treatment)
Source : Ministry of public health

Heart Attack

Balloon angioplasty therapy – 200,000 to 1,000,000฿
Coronary artery surgery – 550,000 to 650,000฿
Coronary angiography examination – Starts at 150,000฿

Total
1,800,000฿
(Excluding Specialty nurse fee benefits and inpatient treatment)
Source: Central Chest Institute Of Thailand

Customer Ratings





4.7/5

12 reviews

Customer Reviews

16/12/2020

Thank you so much. I will be recommending this service to my friends and family for sure.

Sally Holland



28/1/2021

I was able to get a policy in no time, Khun Anne did an amazing job explaining the policy to me and guiding me through the entire process. Thank you the thaiger team.

Jammie Thanes
28/12/2020

I couldn’t be happier with this policy. I would recommend you to read the article before applying for the insurance.

James Newman



5/2/2021

Not being familiar with the insurance, it was nice having all the information in once place and answers to my questions.

Sem O’Neal



8/1/2021

The buying experience with Thethaiger was overall very positive and smooth. Online quotes from several providers all at once helped me choose the right provider without having to deal with each of them one by one. The agent completed the survey on the phone in a few minutes and didn’t pressure me to buy the policy.

Robbert Adams



23/1/2021

The Thaiger did an excellent job finding my critical illness insurance and walking me through every step along the way – I highly recommend using this company!

Nicky Chang



What serious illness does Critical Illness Insurance cover?

There’s a lot to keep in mind when choosing the right critical illness insurance for you. You don’t want to buy coverage you don’t need, but you also need to ensure that you are fully covered. With our flexible plans you can pick and choose the disease groups you want to be covered.

Here are the 5 diffrent critical illness groups we cover:

You will be covered for Invasive cancer and non-invasive cancer treatment

From beginning stage to Intermediate stage. – Receive an initial lump sum of 600,000 baht if diagnosed with a beginning stage to intermediate stage

From Severe or later stage – Receive a sum of 2,400,000 baht if diagnosed with a severe or later stage

Daily compensation benefits – 1,000 baht per day, up to 15 days per policy year

Home nursing Heart care benefits – 1,000 baht per day, up to 15 days per policy year

Top 6 Most Common Cancers in the World:

  • Lung Cancer – 12.3%
  • Breast Cancer – 12.3%
  • Colorectal Cancer – 10.6%
  • Prostate Cancer – 7.5%
  • Stomach – 6.1%
  • Liver – 5%

Souce: World cancer Research Fund

From beginning stage to Intermediate stage. – Receive an initial lump sum of 600,000 baht if diagnosed with a beginning stage to intermediate stage

From Severe or later stage – Receive a sum of 2,400,000 baht if diagnosed with a severe or later stage

Daily compensation benefits – 1,000 baht per day, up to 15 days per policy year

Home nursing Heart care benefits – 1,000 baht per day, up to 15 days per policy year

What is Covered under Heart and Brain?

  • Acute Heart Attack
  • Major Stroke
  • Coronary Artery Disease requiring Angioplasty
  • Cerebral Aneurysm Treatment by Endovascular Coiling

From beginning stage to Intermediate stage. – Receive an initial lump sum of 600,000 baht if diagnosed with a beginning stage to intermediate stage

From Severe or later stage – Receive a sum of 2,400,000 baht if diagnosed with a severe or later stage

Daily compensation benefits – 1,000 baht per day, up to 15 days per policy year

Home nursing Heart care benefits – 1,000 baht per day, up to 15 days per policy year

What is covered for under Kidney and Liver?

  • Chronic Kidney Failure and Chronic Liver Disease
  • End-stage Liver disease
  • Liver Failure
  • Major Organs Transplantation or Bone Marrow Transplantation

From beginning stage to Intermediate stage. – Receive an initial lump sum of 600,000 baht if diagnosed with a beginning stage to intermediate stage

From Severe or later stage – Receive a sum of 2,400,000 baht if diagnosed with a severe or later stage

Daily compensation benefits – 1,000 baht per day, up to 15 days per policy year

Home nursing Heart care benefits – 1,000 baht per day, up to 15 days per policy year

What is Covered under Major Burn?

  • Less severe burns ( Second degree burn)
  • Major burn
  • Major Head Trauma

Receive a lump sum of 300,000 baht under the Diabetes Coverage Agreement (In the case of diabetic retinopathy, receive 150,000 baht

Daily compensation benefits – 1,000 baht per day, up to 15 days per policy year

Home nursing Heart care benefits – 1,000 baht per day, up to 15 days per policy year

What is Covered under Diabetes?

  • Diabetic Retinopathy
  • Diabetic coma
  • Limb amputation
  • Diabetic Nephropathy

Choose the insurance plan that’s right for you

Product - Critical illness | News by Thaiger

Plan 1

Apply Now

Early stage or moderate critical illnesses Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿60,000
    1. Non-invasive Cancer
    2. Coronary Artery Disease requiring Angioplasty
    3. Cerebral Aneurysm Treatment by Endovascular Coiling
    4. Less severe burns / Second degree burn
Late stage or severe critical illnesses Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿240,000
    1. Invasive Cancer
    2. Acute Heart Attack
    3. Major Stroke
    4. Major Organs Transplantation or Bone Marrow Transplantation
    5. Chronic Kidney Failure
    6. Chronic Liver Disease / End-stage Liver disease / Liver Failure
    7. Severe burns
    8. Paralysis of the arm or leg muscle
    9. Major Head Trauma
Diabetes Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿60,000
    1. Diabetic Retinopathy
    2. Diabetic coma
    3. Limb amputation
    4. Diabetic Nephropathy
  • *In the case of diabetic retinopathy, you will receive 50% of the sum assured.
Other Coverage
  • Daily Income Compensation Benefit from Inpatient Hospitalization Due to Serious Illness – ฿500/day up to 15 days per policy year
  • Home nursing care benefits due to severe illnesses – ฿500/day up to 15 days per policy year
  • Death Benefit Protection Agreement Loss of limbs, eyesight, or total permanent disability up to ฿100,000
  • World-class medical second opinion service by myEliteDoctor once for free

Product - Critical illness | News by Thaiger

Plan 2

Apply Now

Early stage or moderate critical illnesses Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿100,000
    1. Non-invasive Cancer
    2. Coronary Artery Disease requiring Angioplasty
    3. Cerebral Aneurysm Treatment by Endovascular Coiling
    4. Less severe burns / Second degree burn
Late stage or severe critical illnesses Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿400,000
    1. Invasive Cancer
    2. Acute Heart Attack
    3. Major Stroke
    4. Major Organs Transplantation or Bone Marrow Transplantation
    5. Chronic Kidney Failure
    6. Chronic Liver Disease / End-stage Liver disease / Liver Failure
    7. Severe burns
    8. Paralysis of the arm or leg muscle
    9. Major Head Trauma
Diabetes Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿100,000
    1. Diabetic Retinopathy
    2. Diabetic coma
    3. Limb amputation
    4. Diabetic Nephropathy
  • *In the case of diabetic retinopathy, you will receive 50% of the sum assured.
Other Coverage
  • Daily Income Compensation Benefit from Inpatient Hospitalization Due to Serious Illness – ฿800/day up to 15 days per policy year
  • Home nursing care benefits due to severe illnesses – ฿800/day up to 15 days per policy year
  • Death Benefit Protection Agreement Loss of limbs, eyesight, or total permanent disability up to ฿100,000
  • World-class medical second opinion service by myEliteDoctor once for free

Product - Critical illness | News by Thaiger

Plan 3

Apply Now

Early stage or moderate critical illnesses Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿200,000
    1. Non-invasive Cancer
    2. Coronary Artery Disease requiring Angioplasty
    3. Cerebral Aneurysm Treatment by Endovascular Coiling
    4. Less severe burns / Second degree burn
Late stage or severe critical illnesses Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿800,000
    1. Invasive Cancer
    2. Acute Heart Attack
    3. Major Stroke
    4. Major Organs Transplantation or Bone Marrow Transplantation
    5. Chronic Kidney Failure
    6. Chronic Liver Disease / End-stage Liver disease / Liver Failure
    7. Severe burns
    8. Paralysis of the arm or leg muscle
    9. Major Head Trauma
Diabetes Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿200,000
    1. Diabetic Retinopathy
    2. Diabetic coma
    3. Limb amputation
    4. Diabetic Nephropathy
  • *In the case of diabetic retinopathy, you will receive 50% of the sum assured.
Other Coverage
  • Daily Income Compensation Benefit from Inpatient Hospitalization Due to Serious Illness – ฿800/day up to 15 days per policy year
  • Home nursing care benefits due to severe illnesses – ฿800/day up to 15 days per policy year
  • Death Benefit Protection Agreement Loss of limbs, eyesight, or total permanent disability up to ฿100,000
  • World-class medical second opinion service by myEliteDoctor once for free

Product - Critical illness | News by Thaiger

Plan 4

Apply Now

Early stage or moderate critical illnesses Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿600,000
    1. Non-invasive Cancer
    2. Coronary Artery Disease requiring Angioplasty
    3. Cerebral Aneurysm Treatment by Endovascular Coiling
    4. Less severe burns / Second degree burn
Late stage or severe critical illnesses Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿2,400,000
    1. Invasive Cancer
    2. Acute Heart Attack
    3. Major Stroke
    4. Major Organs Transplantation or Bone Marrow Transplantation
    5. Chronic Kidney Failure
    6. Chronic Liver Disease / End-stage Liver disease / Liver Failure
    7. Severe burns
    8. Paralysis of the arm or leg muscle
    9. Major Head Trauma
Diabetes Coverage Agreement
  • Once detected the illness listed below, you will receive a lump sum of ฿300,000
    1. Diabetic Retinopathy
    2. Diabetic coma
    3. Limb amputation
    4. Diabetic Nephropathy
  • *In the case of diabetic retinopathy, you will receive 50% of the sum assured.
Other Coverage
  • Daily Income Compensation Benefit from Inpatient Hospitalization Due to Serious Illness – ฿1,000/day up to 15 days per policy year
  • Home nursing care benefits due to severe illnesses – ฿1,000/day up to 15 days per policy year
  • Death Benefit Protection Agreement Loss of limbs, eyesight, or total permanent disability up to ฿100,000
  • World-class medical second opinion service by myEliteDoctor once for free
  • One free online doctor consultation with Health2GO

Starting from฿3,999

Product - Critical illness | News by Thaiger

Tune Insurance Plan 2

This is the most basic plan, which covers everything required by the Thai Government.
Age limit: 75 years old

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  • The period of coverage is for 30 days.
  • Death, Dismemberment, Loss of Sight or Total Permanent Disability from accident up to ฿1,000,000.
  • Medical Expenses from injury or sickness
    up to ฿1,800,000.
  • Emergency Medical Evacuation or Repatriation to Country of Domicile up to ฿1,000,000.
  • Repatriation of Mortal Remains to Country of Domicile up to ฿1,000,000.
  • Expenses for Visiting the Patient in the Hospital up to ฿50,000.
  • Loss or Damage of Travel Documents up to ฿5,000.
  • Public Liability (Deductible of 1,000 Baht per claim) up to ฿850,000.
  • Trip Cancellation or Postponement up to ฿30,000.
  • Trip Curtailment up to ฿30,000.
  • Travel Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay) up to ฿20,000.
  • Baggage Delay (Flat payment of 4,000 Baht for every 6 consecutive hours delay of Checked-In Baggage from time of arrival.) up to ฿20,000.

Starting from฿5,499

Product - Critical illness | News by Thaiger

Plan 2

This plan included all the points from the silver plan, but with higher cover and additional benefits.
Age limit: 75 years old

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  • Death, dismemberment, loss of sight or total permanent disability from accident coverage for 2,000,000 THB.
  • Medical expenses from injury or sickness, including Covid-19 coverage for 3,500,000 THB (equivalent to 100,000 USD)
  • Emergency medical evacuation or repatriation to country of domicile coverage for 2,000,000 THB.
  • Repatriation of mortal remains to country of domicile coverage for 2,000,000 THB.
  • Expenses for visiting the patient in the hospital 100,000 THB.
  • Loss or damage of travel documents coverage for 10,000 THB.
  • Public liability (deductible of 1,000 THB per claim) coverage for 1,500,000 THB.
  • Trip cancellation or postponement coverage for 30,000 THB.
  • Trip curtailment coverage for 30,000 THB.
  • Travel delay (flat payment of 4,000 THB for every 6 consecutive hours delay) coverage for 20,000 THB.
  • Baggage delay (flat payment of 4,000 THB for every 6 consecutive hours delay) coverage for 20,000 THB.

Critical illness will greatly affect your way of life, especially if you lose income. Therefore, always protect yourself.

It’s essential to decide which policy works for you. The cost of care for some essential diseases is considerably lower than others. I didn’t understand anything about critical illness insurance, how it will benefit me, and which policy I should choose, but the Thaiger helped a lot throughout the process. I’m grateful for the help and glad I decided to get the insurance. Now I can relax and enjoy life. I know if I need treatment for my illness in the future, I already have the right insurance in place.

Top tip: Always look for premiums with low waiting periods and understand how much coverage you want in choosing the right package.

Top 6 deadly diseases in Thailand

Cancer – 7.7 Deaths per hour
Hemorrhagic stroke – 3.2 Deaths per hour
Atrial fibrillation severe stroke – 2.8 Deaths per hour
Lung disease – 2.4 Deaths per hour
Chronic kidney disease -1.7 Deaths per hour
Diabetes – 1.0 deaths per hour

Source: Ministry of public health, Diabetes association of Thailand, Bangkok hospital

Join the many satisfied customers who’ve got their Critical Illness with The Thaiger.

Other Related Insurance to Critical Illness Insurance

Life is full of uncertainty, but don’t let it stop you from enjoying your life to the fullest. The following insurance offers more than just protection, but also peace of mind to allow you to live a comfortable life.

Whole Life Insurance

Whole life insurance is a form of permanent life insurance. It ensures that you are covered for the rest of your life as long as premiums are paid on time.

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Family Life Insurance

You can protect all your family members in a single policy with Family Life Insurance. Family life insurance policy combines whole life with term life insurance. The principal’s policy is for an entire lifetime, while the husband/wife and children are covered for a reduced amount on a term basis.

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Health risks and uncertainties are part of life. While no one plans to get sick or injured, you can certainly prepare yourself for the financial aspect.

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Personal Accident Insurance

Get covered with Personal Accident insurance to ensures coverage during emergency cases like uncertain accidents, impairments, life-changing conditions or even death.

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Major Diseases Covered by Critical Illness Insurance

A serious illness is a disease which causes a severe illness that can lead to death.  What serious illnesses will critical illness insurance cover?


Major Cancers

Major cancers including leukaemia, lymphoma and sarcoma will be covered under the critical illness insurance that will greatly help lower your hospital cost and other hospitalization expenses.

Severe Heart Attack

DeathAnother critical illness that will be covered will be a severe heart attack.

Stoke

Stroke is included in the critical illness coverage because can acquire a big amount of money when you get hospitalized. 

Kidney Failure

A severe case is acute kidney injury which may be subjected to substantial claims.

Aplastic Anemia

If you have severe aplastic anaemia you are qualified to be under the critical illness coverages.

End-Stage Lung Disease

Severe lung disease which causes chronic respiratory failure is also included under the critical illness coverage. 

Liver Failure

One of the critical illness if liver failure which can be covered under the critical illness insurance.

Coma

Having been comatose for more than 96 hours will automatically be included under the critical illness insurance.

Heart Valve Surgery

If you have or having an open-heart surgery you are also covered under the critical illness insurance so won’t need to worry about high hospital bills.

Parkinson’s Disease

This critical illness is one of the most common diseases that is always included under critical illness insurance.

Personal Accident Insurance

Besides critical illnesses, we also cannot prevent accidents from occurring. Even when we take reasonable precautions in our daily lives, accidents can and do happen. Our own miscalculation or clumsiness causes some accidents. Others are out of our control, such as drunk drivers.

In addition, the risk of accidents increases depending on the nature of your job or your lifestyle. If you operate heavy machinery for a living or are an adrenaline junkie, your risk of getting into an accident is likely to be higher.

The point is, accidents can happen anytime and anywhere, without any warnings, whether we like it or not. Therefore, to prevent its risks and protect you from the financial consequences that it may cause, getting Personal Accident Insurance is essential.

Frequently Asked Questions About Critical Illness Insurance

Critical illness is any disease or sickness that requires medical attention. The most common types of critical illness include cancer, heart attack, stroke, major organ transplantation, liver and kidney disease and diabetes.

Your age, lifestyle, city of residence, and annual income are all important factors in A critical illness insurance policy can serve as a financial safety net by paying you a lump amount if you develop a life-threatening condition or have a heart attack or stroke. If you currently have comprehensive health insurance, critical illness insurance can supplement your coverage when you need it most. It’s up to you whether you use it to pay for medical expenditures not covered by your insurance or to fulfill financial responsibilities while you’re recovering.

Each health policy has distinct benefits that do not cover certain critical disease treatments. Critical illness insurance will provide you with a lump sum to take care of the costs. You will use this amount to take care of yourself if you stop working and lose money. In the event of death, your loved ones will earn a lump sum payout as an inheritance from vital disease insurance.

According to the Revenue Department, the premium is entitled to a tax deduction even if you don not make a claim.

– Provides coverage for catastrophic diseases with a maximum insured value of 3,000,000 baht.
– Change, increase, or decrease your protection coverage options.
– Up to the age of 65, it covers five severe diseases.
– Get daily reimbursement for hospital and home nursing care if your doctor recommends it.
– Daily premiums start at two baht.
– Answer three health-related questions; there’s no need to visit the doctor.
– You may apply right now without needing to buy life insurance.
– Premiums for insurance are tax deductible
– The ability to get a second medical opinion as well as consult with a doctor through the internet. (Only available with the fourth plan.)

– Cancer disease
– Cardiovascular disease
– kidney and liver disease
– Complications from diabetes
– major organ transplant surgery and bone marrow transplants

The insurance coverage does not begin immediately once the policy is purchased. Before the contact becomes functional, there will be a 90-day waiting period.

Applicants must be between the ages of 18 and 60, and the contract is renewed up to the age of 65.

Applicants must be between the ages of 18 and 60, and the contract is renewed up to the age of 65.

Insurance rates will be modified based on the insured’s age.

Inquire Now to Receive your Critical Illness Insurance Quotes

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