Elite Series 2019 LMG Health Insurance 1) Worldwide excluding USA - Cover for cost of inpatient and outpatient emergency treatment caused from sudden injury only - Cover for cost of inpatient emergency treatment caused from sudden illness only 2) Elective treatment outside Thailand will be covered under following conditions:- - Not cover any treatment in USA - Pre-approval from LMG before receiving treatment - Costs are based on treatment in Thailand Area of Coverage This brochure is not an insurance contract. The terms and conditions are specified in the policy contract. The applicant should comprehend details of coverages and conditions before applying an insurance. Effective from 1 st July 2019 LMG18072019
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Elite Series 2019
LMG Health Insurance
1) Worldwide excluding USA - Cover for cost of inpatient and outpatient emergency treatment caused from sudden injury only
- Cover for cost of inpatient emergency treatment caused from sudden illness only
2) Elective treatment outside Thailand will be covered under following conditions:- - Not cover any treatment in USA
- Pre-approval from LMG before receiving treatment
- Costs are based on treatment in Thailand
Area of Coverage
This brochure is not an insurance contract. The terms and conditions are specified in the policy contract.
The applicant should comprehend details of coverages and conditions before applying an insurance.
Effective from 1st July 2019
LMG18072019
Elite Series 2019
* The coverage is according to the insurance plan selected and subjected to terms and conditions specified by LMG.
Customary and reasonable
medical expenses
subject to maximum limit
per disability
Customary and reasonable medical expense*
Customary and reasonable medical expense*
Customary and reasonable medical expense*
Customary and reasonable medical expense*
8,000 16,000
1,000,000 2,000,000
100,000 200,000
30,000 50,000
100,000 150,000
50,000 75,000
200,000 300,000
200,000 200,000
10,000 15,000
80,000 80,000
10,000 10,000
2. Outpatient Treatment2.1 Doctor fees, medication, hospital services charges and laboratory expenses
2.2 Physiotherapy as outpatient as detemined by a registered physician
2.3 Chiropractic and acupunture treatment as prescribed by a registered physician3. Maternity Benefits3.1 Normal labor, vacuum / forcept delivery, planned caesarian section (280 days waiting period)
3.2 In case of miscarriage (90 days waiting period)
3.3 In case of ectopic pregnancy or emergency ceasarian section from life threatening labour
(280 days waiting period)4. Personal Accident BenifitsLoss of life, dismemberment, loss of sight or permanent disability (PA1) by an accident including
murder & assault, and motorcycle accident as a driver or a passenger 5. Funeral BenefitsFuneral Benefits due to injuries or illness ***6. Benefits Addifional 6.1 Dental benefit (Up to 80% of routine dental treatment)
6.2 Vision benefit (Up to 80% of eye examination & perscription lenses)
1. Inpatient Hospital Expenses1.1 Room and Board Including Nursing’s Fee (Maximum limit per day) 1.1.1 Daily charges for standard room & board, including food and nursing’s services
1.1.2 Daily charges for Intensive Care Unit (ICU) / Coronary Care Unit (CCU)
1.2 General Hospital Expenses 1.2.1 Medication and nutrition IV fluid
1.2.2 Blood and blood component
1.2.3 Laboratory and medical equipment expenses
1.2.4 Physiotherapy treatment
1.2.5 Operating room and equipment expenses
1.2.6 Prescribed medications
1.2.7 Local road ambulance service
1.2.8 Emergency treatment within 24 hours after accident
1.2.9 Expenses occured after discharge from the hospital includes OPD follow up and
IPD physiotherapy after discharged (Maximum 30 days)
1.2.10 Small medical procedure or day case surgery
1.2.11 Private nurse fee recommended by the physician immediate after hospitalization (up to 30 days)
1.2.12 Hospice and palliative care
1.2.13 Expenses for organ transplant, bone marrow transplant, hemodyalysis
(Excluding donor's cost) (Maximum limit per year)**
1.2.14 Inpatient Psychiatric Treatment (Maximum limit per year)
1.3 Surgery Expenses or Surgical Fee (Actual Expenses) 1.3.1 Surgeon's fees