PRIME health insurance starting from 10 million THB coverage.

P rotection

Comprehensive health cover including all types of cancer, Covid-19 and other pandemics.

R enewal

Guaranteed renewal until 99 years old.

I nternational

Worldwide coverage for planned treatments abroad and emergencies while travelling.

M edical

Coverage up to 50m THB per year with high IPD room per day and not limited to Standard Room.

E xperienced

Insured by Navakij with 89 years of experience in insurance. 

Eligibility for PRIME health insurance

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.

Occupation

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

Benefits HighlightsPlan 1Plan 2Plan 3
Annual Limit10,000,000 THB30,000,000 THB50,000,000 THB
Hospital Room & Board12,000 THB15,000 THB20,000 THB
Intensive Care Unit (ICU)
Nursing fees
Major Surgery
Minor Surgery
Emergency treatment within 24h following an accident
Rehabilitation expenses after an inpatient stay per admission10,000 THB30,000 THB30,000 THB
Reconstructive surgery following accident
Cancer Treatment
Psychiatric treatment (Inpatient) - 10 months waiting periodNot coveredPaid in full up to 15 daysPaid in full up to 20 days
Treatment of conditions resulting from congenital abnormalities - 10 months waiting period100,000 THB300,000 THB600,000 THB
Worldwide emergency coverageTHB 2,500,000 per trip up to 90 days (180 days per year max)THB 7,500,000 per trip up to 90 days (180 days per year max)THB 8,000,000 per trip up to 90 days (180 days per year max)

Paid in full up to overall annual limit per person

International Coverage

Choose your Zone of Coverage for elective treatments*

You may choose to have your planned treatments in any of the countries listed in your chosen zone.

Zone A

worldwide excluding USA

Zone B

worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China

Zone C

worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China, Russia, United Kingdom, Singapore, Taiwan, Brazil

Essential Worldwide Coverage Included*

* coverage for medical emergencies outside the zone of coverage and according to the terms and conditions of the policy.

Worldwide coverage in case of accident or unforeseen medical emergencies outside the area of coverage.

(up to 90 days per trip, maximum 180 days per policy year)

International Emergency Medical Assistance (IEMA)

Paid in full up to annual limit

• Elective treatments are covered in the Zone of Coverage to be chosen by the Applicant between:
Zone A: worldwide excluding USA
Zone B: worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China
Zone C: worldwide excluding USA, Canada, Switzerland, Israel, Japan, Hong Kong, Bahamas, China, Russia, United Kingdom, Singapore, Taiwan, 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 Prime 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. 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 commotion, 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.

 

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

 

Read PRIME Policy Guide.

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This page is for informational purposes only and is not an insurance contract. “PRIME” is the marketing name for plans under the Health and Accident Insurance Luma Asia Care Personal Policy insured by Navakij Insurance.
Full details of coverage and exclusions are specified in the insurance Policy Wording.

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