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LMG
Comprehensive | LMG Pacific Mega Series
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LMG Pacific Mega Series
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High-end, international type coverage. Guaranteed renewable for life.
Maternity coverage included. New applicants age 60 and above are required to
take a physical at their own expense. Good coverage.
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| Your Worldwide Benefits (All in Baht) |
Maxi Care |
Ultra Care |
| Maximum Coverage for any one disability (or
series of disabilities arising from one event) |
5,000,000 |
20,000,000 |
| Life time limit |
20,000,000 |
80,000,000 |
Deductible
(See Premium table for
deductible options of 40,000/100,000 or 200,000) |
Optional |
Optional |
| Substandard Risks |
Considered on Application |
Considered on Application |
| Sports Cover (For recreational sports,
incl, skiing & Scuba) |
yes |
yes |
| Guaranteed Renewability (premium subject to
change) |
Life Time |
Life Time |
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Hospital, Outpatient & Emergency Medical
Covers normal, usual and customery charges for : |
Maxi Care |
Ultra Care |
| Room and Board |
Semi Private or 8,000/day |
Semi Private or 16,000/day |
| Operating Theatre |
100% |
100% |
| Surgeon's Fee : includes pre-surgical
assessment and normal post-surgical care in the treatment country for each
disability. |
100% |
100% |
| Organ Transplant : fees for kidney, heart /
lung , liver and bone marrow transplants (benefits may include costs for donor)
to a total of |
1,000,000 |
2,000,000 |
| Anaesthetist's fee |
100% |
100% |
| Private Nurse Fee : when certified
necessary by the attending physician (at home for up to 30 days immediately
after hospitalization) |
100% |
100% |
| Maternity Benefit : All inclusive limit per
pregnancy - Subject to a 12 months waiting period in 1st policy year. (90 days
for miscarriage or "Dilation and Curettage") |
Surgical delivery 100,000
Normal
delivery 60,000
D and C 20,000 |
Surgical delivery 150,000
Normal
delivery 90,000
D and C 40,000 |
Inpatient psychaitric/mental disorders :
- Limit per disability
- Limit per life time |
50,000
200,000 |
100,000
400,000 |
| Miscellaneous Inpatien Charges : For
requied Diagnostic Laboratory Fee; X-rays; Professional Fee; Prescribed
Medicines; Blood and Plasma; Wheel Chair Rentals; Surgical Appliances, Devices,
Standard Prosthetics (as Approved by Company) |
100% |
100% |
| Intensive Care Unit, and Coronary Care Unit
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100% |
100% |
| Outpatient Benefit : Physician and
Specialists' Fees for office visits; Physiotherapist, Chiropractor, and
Acupuncturist when referred by the attending physician; and for requied
Diagnostic Laboratary Fees, X-rays, Prescribed Medicines, Outpatient Surgery,
Sergical Appliances, Dressings, Chemotherapy, and Radiation |
100% |
100% |
| Emergency Room Charges |
100% |
100% |
| Emergency Local Ambulance Service |
100% |
100% |
| World-wide Emergency Assistance : 24 hours
a Day and 7 Days a Week |
100% |
100% |
| Emergency Medical Evacuation |
1,000,000 |
1,000,000 |
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Note :
1. Overseas Financial payment direct to providers can be arranged where
claims exceed THB 100,000
2. All Children born during a policy year are covered free of charge for the
duration of the policy year excepting "well care" and outpatient treatment
subject ortherwise to Terms & Conditions of Policy.
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| Additional Benefit Plans |
| Covers normal, usual and customery charges for
eligible expenses |
Maxi Care |
Ultra Care |
| Dental Benefit : pays 80% to |
80,000/(optional) |
80,000/(included) |
| Vision Benefit : pays 80% of eye exams and
prescription lens annually for each insured |
20,000/(optional) |
20,000/(included) |
| Person Accident Benefit : Covers
loss of life, loss of one or both hands or feet, loss of one or both eyes, or
permanent and total disability caused directly and solely by accident (child
benefit limits are THB 100,000) - Additional rate 1.50/1,000 |
200,00 to Additional
20,000,000 (optional) |
400,00 (included) Additional
20,000,000
(optional) |
| Annual Travel Benefit : covers the
following annual eligible expenses worldwide when traveling outside your country
of residence on trips lasting up to 60 days |
(optional) |
(included) |
Medical Expenses - covers illness or injury including
Emergency Evacuation (to THB 1,000,000) with a maximum of THB 12,000 per day for
hospital room and board which is doubled when room fee also includes all
professional services.
"Get Your Home" Benefit - covers the
additional cost of your own travel accommodation necessaly incurred as a result
of a covered disability to get you back home, (additional cost of travel for
family member or bussiness associate limited to THB 50,000)
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2,000,000 |
2,000,000 |
Baggage Loss - covers up to THB 10,000 per item, pair or
set limit per year.
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20,000 |
20,000 |
Baggage Delay - covers purchase of essential clothing and
toiletries if you checked baggage is delayed on arrival at your destination for
over 12 hours.
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50,000 |
50,000 |
Personal Money - covers burglary and armed robbery of cash,
bank notes and traveler's check to a limit of.
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20,000 |
20,000 |
Hospital Cash Income - pays THB 1,200 per day for each 24
hours you are hospitalized.
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18,000/confinement |
18,000/confinement |
Strikes & Hijack - pays THB 1,000 per day for 12+ hour
delays.
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100,000 |
100,000 |
Personal liability (excluding verchicle liability) limit
per year.
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5,000,000 |
5,000,000 |
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| Discount Options |
| Outpatient Exclusion |
20% discount |
20% discount |
| 40,000 Deductible Option (you pay the first THB 40,000) |
25% discount |
25% discount |
| 100,000 Deductible Option (you pay the first THB 100,000) |
32.5% discount |
32.5% discount |
| 200,000 Deductible Option (you pay the first THB 200,000) |
40% discount |
40% discount |
| Treatment Area Limit (excludes treatment in North America,
Japan, Hong Kong, EU Country and Switzerland) |
20% discount |
20% discount |
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