Hi5 Health Insurance

Click to see the full Table of Benefits and Coverage of Hi5 Plans.

Age: 0 – 70 years old (children under 20 years old must apply with at least one parent).

Nationality: Residents of Thailand (both Thai and foreigners) for at least 180 days per year.

Excluded Occupation: Medical professionals, professional athletes, policemen and other high-risk professions (non-exhaustive list).

• Elective treatments are covered worldwide except in the following countries: USA, Canada, Switzerland, Israel, Japan, China, Hong Kong, Taiwan, Bahamas, Russia, UK, Singapore, Brazil.

• Pre-existing conditions are not covered.

• All applicants must fill out a medical questionnaire, some additional medical information may be requested.

• Waiting periods apply to certain benefits as per the terms and conditions of the insurance policy.

• Some occupations cannot apply to Hi5 such as (but not limited to): medical professionals, professional athletes, policemen and other high-risk professions.

General exclusions:

(This is a non exhaustive list, please refer to the original Policy Wording for full list of exclusions)

1. 1. Injuries sustained during the commitment of a serious crime or while being arrested or evading capture.
   2. Injuries that occur while engaging in motor racing, boat racing, horse racing, ski racing (including Jet skis), skating competition, boxing, parachuting/skydiving, using or racing with a paramotor, gliding, boarding or descending or travelling in a hot air balloon, bungee jumping, diving with air tanks and underwater breathing equipment.
   3. War, invasion, acts on foreign enemies, war-like acts whether declared or not, civil war, revolution, insurrection, civil commontion, population rising against the government, riot, strike, coup, declaration of martial law; or any event which led to the declaration or upholding of martial law.
   4. Terrorism.
   5. Radiation or radioactive transmission from nuclear fuels or from any nuclear waste due to the combustion of nuclear fuel and from any form of nuclear disintegration.
   6. Injuries resulting from consequences of being under the influence of drugs or alcohol.

Free look period:
The policy holder has a 15 days free look period (from the day the policy is received) during which they have the right to cancel their policy, in accordance to the terms and conditions of their policy. The paid premium will be returned to the policy holder after deducting any claimed cost under the policy.

Applicants should study the terms and conditions of the insurance policy before purchasing.

“Hi5” is the marketing name for plans under the Health and Accident Insurance Luma Asia Care Personal Policy insured by Navakij Insurance. 

Click to read our Policy Guide for Hi5 Health Insurance.