Super Save cancer insurance – Bangkok Insurance

 Premiums from THB 500 per year

Plan ahead for the financial burden of a cancer diagnosis with Super Save cancer insurance from Bangkok Insurance Public Company Limited

If the insured is diagnosed with cancer for the first time after the 90-day waiting period, and in line with the policy conditions, the insurer will consider paying a benefit equal to the sum insured, plus an additional benefit for chemotherapy and/or radiotherapy at the amount stated in the policy.

Key coverage

• First cancer diagnosis benefit up to THB 100,000
• Chemotherapy and/or radiotherapy benefit up to THB 20,000
• Cover available from birth to age 54
• The policy can be renewed continuously up to age 65, subject to the insurer's conditions
• Apply online with no medical check-up, but you must answer the health questions and declare your health truthfully
• 90-day waiting period
• Pay the premium through Bangkok Insurance's system and get your e-Policy

Check eligibility and buy online

The button takes you to the Bangkok Insurance Public Company Limited website, where you fill in your details, check the premium, pay and receive your electronic policy directly.

Buyers should check the age limits, eligibility, health declaration, waiting period and exclusions before proceeding

Key features of Super Save cancer insurance

A benefit when cancer is first diagnosed

Covers the insured when first diagnosed with cancer of any type and at any stage, except skin cancer, once the waiting period has passed and in line with the policy's definitions and conditions.

A benefit for chemotherapy and radiotherapy

If the insured receives chemotherapy and/or radiotherapy for cancer, the insurer will consider paying the benefit at the amount stated in the coverage table.

This benefit is paid at the amount set in the policy; it does not reimburse all the medical expenses on your receipts.

Premiums from a few hundred baht a year

Applicants from birth to age 44 pay a premium of THB 500 per year, and applicants aged 45–54 pay THB 900 per year. Premiums include stamp duty and VAT.

Apply online, no medical check-up

Applicants do not need a medical check-up before taking out the insurance, but must answer the health questions and declare their health fully and truthfully.

No medical check-up does not mean the insurer will accept you automatically. Underwriting and benefit payments are based on the health declaration and the insurer's conditions.

Get an electronic policy

Once underwriting and premium payment are complete, the insurer will send the electronic policy, or e-Policy, by email and SMS to the contact details the insured provided.

Coverage and premium table

The premiums above include stamp duty and VAT

When calculating age, any remaining days or months are rounded up to one year

Check eligibility and buy online

Pay the premium directly through the Bangkok Insurance Public Company Limited system and receive your e-Policy once underwriting and the transaction are complete

Who this plan is for

Super Save cancer insurance suits people who:

• Want cancer cover on a budget starting from a few hundred baht a year
• Want a lump sum to help with the financial burden of a cancer diagnosis
• Want cover on top of their existing health insurance or medical entitlements
• Want to apply for insurance online without a medical check-up
• Are aged from birth to 54
• Are Thai nationals
• Meet the insurer's underwriting conditions on health and eligibility
• Understand that the policy has a waiting period and exclusions

This insurance pays benefits at the amounts stated in the policy, so it should not replace inclusive health insurance or the savings you keep for all your medical costs.

Underwriting conditions

1. Covers individuals from birth to age 54
2. The policy can be renewed continuously up to age 65, subject to the insurer's rules and conditions
3. Available to Thai nationals only
4. Each insured may hold only 1 Super Save cancer insurance policy
5. Applicants must be in good health and must never have had, or been diagnosed with, the serious illnesses or conditions specified by the insurer, namely:

• Cancer
• Hepatitis B or C
• AIDS or a positive HIV blood test
• Chronic pneumonia
• Chronic colitis
• Chronic kidney failure
• Cirrhosis or chronic hepatitis
• Chronic cervicitis or vaginitis
• Tumours, lumps, nodules or abnormal tissue

1. Applicants must answer the health questions and declare their health truthfully
2. The health declaration is one of the factors in underwriting and in deciding benefit payments under the insurance contract
3. The insurer has the right to decide on acceptance based on the health declaration, the applicant's information and its own criteria

90-day waiting period

The Super Save cancer insurance policy has a 90-day waiting period, counted from the date cancer cover first takes effect.

If the insured shows or becomes aware of symptoms of cancer, or an abnormality related to cancer is found, within the 90-day waiting period, the insurer will not provide cover, under the policy conditions.

So buying insurance today does not mean you are covered for cancer straight away from day one.

Key exclusions to know

This insurance does not cover or pay benefits in key cases such as:

1. Cancer resulting from AIDS, as set out in the policy conditions
2. The insurer finds medical evidence that the cancer or abnormality was a condition that existed before the insurance was taken out (Pre-existing Condition)
3. The insured shows or becomes aware of symptoms of cancer, or an abnormality related to cancer is found, within the 90-day waiting period
4. Skin cancer
5. Hormone therapy for cancer is not covered under the chemotherapy and/or radiotherapy benefit
6. Other exclusions stated in the insurance policy

Benefit payments are decided on the facts, medical documents, definitions, insuring agreements, exclusions and conditions of the policy.

How to buy cancer insurance online

1. Check your age and eligibility

Applicants must be aged from birth to 54, be Thai nationals and meet the health underwriting conditions.

2. Press the buy online button

You will be taken to the Bangkok Insurance Public Company Limited website

3. Fill in the insured's details

Enter your first name, surname, date of birth, national ID number, address, email, phone number and any other information the system asks for.

4. Answer the health questions and make your health declaration

Read all the health questions and answer them truthfully. Concealing or giving incorrect information may affect acceptance or the payment of benefits.

5. Check the cover and premium

The system shows the cover and premium for the applicant's age. Please check the details before paying.

6. Pay the premium online

Pay the premium through the channels set by Bangkok Insurance Public Company Limited; payment goes directly into the insurer's system.

7. Receive your electronic policy

Once underwriting and premium payment are complete, the insurer will send the electronic policy, or e-Policy, by email and SMS to the contact details provided.

When you receive the policy, check your first name, surname, national ID number, cover start date, beneficiary and cover details straight away.

Frequently asked questions

Up to what age can you apply for Super Save cancer insurance?

Applications are accepted from birth to age 54, and the policy can be renewed continuously up to age 65, subject to the insurer's rules and conditions.

Can foreigners buy it?

No. This plan is available to Thai nationals only.

Am I covered for cancer as soon as I buy?

Not immediately. The policy has a 90-day waiting period, counted from the date cancer cover first takes effect.

Do I need a medical check-up before applying?

No medical check-up is needed, but applicants must answer the health questions and declare their health truthfully. The insurer decides on acceptance based on the information it receives.

Does it cover every type and stage of cancer?

It covers a first diagnosis of cancer of any type and at any stage, except skin cancer, subject to the policy's definitions, waiting period and conditions.

Can I buy more than one policy?

Super Save cancer insurance allows each insured only 1 policy.

Will the premium go up with age?

The premium is based on your age when you first take out the insurance and stays the same while the policy is renewed continuously, subject to the insurer's rules and conditions.

How does the insurer pay when cancer is diagnosed?

If cancer is diagnosed for the first time after the waiting period, and in line with the policy conditions, the insurer will consider paying a benefit equal to the sum insured for the age band you applied in.

Is the chemotherapy and radiotherapy benefit paid at actual cost?

It does not reimburse all the medical expenses on your receipts; it is a benefit at the amount set in the coverage table, subject to the policy conditions.

In what form will I receive the policy?

The insurer will send an electronic policy, or e-Policy, by email and SMS to the contact details the insured provided, once underwriting and the transaction are complete.

Check your eligibility before you buy

Before you proceed, please check that:

• The applicant is aged from birth to 54
• The applicant is a Thai national
• The applicant's health meets the insurer's conditions
• The applicant answers the health questions and declares their health truthfully
• The applicant understands the 90-day waiting period
• The applicant understands the exclusions for skin cancer and pre-existing conditions, and the other exclusions in the policy

Check eligibility and buy online

Pay the premium directly through the Bangkok Insurance Public Company Limited system and receive your e-Policy once underwriting and the transaction are complete

Ask Prakanthai.com on LINE

Not sure about the eligibility or conditions? You can ask the Prakanthai.com team before deciding to buy.

Important information before you decide to buy

Buyers should always read the coverage details, definitions, waiting period, conditions and exclusions carefully before deciding to buy insurance.

The health declaration is one of the factors in underwriting and in deciding benefit payments under the insurance contract

Bangkok Insurance Public Company Limited is the insurer: it underwrites the cover, collects the premium, issues the policy and decides on claims.

Prakanthai.com is a non-life insurance broker, licence no. 5104000004, providing information, advice and assistance to customers.

Product information and conditions may change. Buyers should check the details again in the insurer's system before paying the premium.