ttb perfect care | TMBThanachart (ttb) (2025)

ttb perfect care | TMBThanachart (ttb) (1)

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ttb perfect care | TMBThanachart (ttb) (4)

ttb perfect care

ttb perfect care

Relieve your worries about medical cost and feel more secured with guaranteed returns.

Product highlights

ttb perfect care | TMBThanachart (ttb) (5) ttb perfect care | TMBThanachart (ttb) (6)

Comprehensive coverage

Cover medical expenses for inpatient treatment and accidents.

Increase wealth

Get cash return up to THB 326,000 throughout the policy period.

ttb perfect care | TMBThanachart (ttb) (7) ttb perfect care | TMBThanachart (ttb) (8)

ttb perfect care | TMBThanachart (ttb) (9) ttb perfect care | TMBThanachart (ttb) (10)

Peace of mind with life protection

Coverage starts at 100% of the basic sum assured and up to 150% of the basic sum assured from policy year 11 until maturity.

Tax deduction

Health insurance is eligible for tax deduction up to THB 25,000 per year and, when combined with life insurance premium, altogether shall not exceed THB 100,000 per year according to the revenue department’s regulations.

ttb perfect care | TMBThanachart (ttb) (11) ttb perfect care | TMBThanachart (ttb) (12)

Coverage and benefits

  • Health coverage benefits is cover according to selected plan (Plan 1-5).
  • Living Benefit
    • Receive cash return every 3 years during the policy period.
    • Receive cash return upon policy maturity as at the end of policy year 20 of the basic sum assured and the rider sum assured.
  • Death Benefits
    • Receive death benefit from both basic plan and rider.

Example of benefits

A business owner, male, age 31, chose ttb perfect care Life and Health Insurance Plan 5 with basic sum assured of THB 100,000 and first-year premium payment of THB 26,452.

ttb perfect care | TMBThanachart (ttb) (13)

Benefit details

  • Insurance details
  • Illustration of Benefits
  • Cash return from policy
  • Living benefits
  • Death benefits

Issue Age

1-60 years

Coverage Period

20 years

Premium Payment Period

20 years

Basic sum assured1

THB 100,000

Rider sum assured2

THB 150,000

Premium

Depend on the gender, age and occupation class.

Mode of Premium Payment

Annually

1Basic plan: 20-year multiple savings (non-par)
2Rider : pure endowment

ttb perfect care | TMBThanachart (ttb) (14)

Cash return during the policy period
  • 3% of the basic sum assured as at the end of policy year 3 and 6
  • 4% of the basic sum assured as at the end of policy year 9 and 12
  • 6% of the basic sum assured as at the end of policy year 15 and 18
Cash return upon policy maturity as at the end of policy year 20
  • 150% of the basic sum assured
  • 100% of the rider sum assured

Receive coverage benefit according to selected plan.

Coverage Plan Plan 1 Plan 2 Plan 3 Plan 4 Plan 5
Hospitalization Benefits
• Hospital Room & Board, Hospital Services (Inpatient) maximum up to 90 days THB 1,400 THB 2,000 THB 3,000 THB 5,500 THB 7,000
- In case of ICU (Intensive Care Unit) admissions: The insured will receive double benefits for Hospital Room & Board, Hospital Services (Inpatient)
• Hospital Medical Expenses for Diagnosis or Treatment, Blood Transfusion Services & Blood Components, Nursing Services, Drugs & Parenteral Nutrition and Medical Supplies THB 15,000 THB 20,000 THB 25,000 THB 55,000 THB 70,000
- Hospital Medical Expenses for Diagnosis
- Hospital Medical Expenses for Treatment, Blood Transfusion Services and Blood Components, Nursing Services*
- Drugs, Parenteral Nutrition and Medical Supplies
- Take-Home Prescription Drugs and Consumable Medical Supplies (Medical Supplies 1)
• Hospital Medical Expenses for Pre and Post-Hospitalization Diagnostic Tests, or Post-Hospitalization Treatment
- Hospital Medical Expenses for Diagnostic Tests (within 30 days before and after hospitalization)
- Each Post-Hospitalization Expenses Incurred for the Follow-Up Treatment within 30 days after discharge from the hospital (excluding Hospital Medical Expense for Diagnostic Tests)
• Each Post-Hospital Rehabilitation Expenses
• Outpatient Kidney Dialysis Treatment
• Medical Expenses of Radiation Therapy, Interventional Radiology, Nuclear Medicine for Tumor or Cancer Treatment
• Medical Expenses of Chemotherapy for Cancer Treatment
• Physician Evaluation & Management Fee Services (maximum up to 90 days) THB 700 THB 1,000 THB 1,000 THB 1,500 THB 2,000
• Emergency Accidental Outpatient (within 48 hours after each accident) THB 5,000 THB 5,000 THB 7,500 THB 10,000 THB 12,000
• Surgical and Medical Procedures THB 50,000 THB 65,000 THB 100,000 THB 120,000 THB 140,000
- Operating Theatre and Procedure Room Fees
- Drugs & Parenteral Nutrition, Medical Supplies and Surgical Equipment
- Physician Evaluation for Surgical and Procedure Services, Surgeon Fees (and Surgical Assistant Fees)
- Physician Anesthesiology Services
- Organ Transplantation Services
• A major surgery that does not require inpatient admission (Day Surgery)
• Minor Surgery Fees
• Emergency Ambulance Service Fees THB 700 THB 1,000 THB 1,500 THB 2,000 THB 2,500

*Private nursing service fees for post-hospitalization treatment (Max of 30 days). (This fee is under the same benefit amount as hospital medical expenses for treatment, blood transfusion services and blood components, nursing services).

Death Benefits (Basic plan)

Receive surrender value of rider

  • 100% of the basic sum assured from the end of policy year 1 – 10
  • 150% of the basic sum assured from the end of policy year 11 – 20
  • or surrender value of the basic policy
Death Benefits (Rider) Receive surrender value of the rider policy

Terms and conditions

Required Application Documentsttb perfect care | TMBThanachart (ttb) (15)

  1. A fully completed Application Form for ordinary life insurance signed by both the applicant and the seller.
  2. Insurance Proposal Form which is signed by both the applicant and the seller.
  3. A copy of identification card, certified copy with an original signature.
    • For Juvenile Applicant (aged under 17), if the applicant does not apply for identity card yet, Birth Certificate will be accepted.
    • For Foreign Applicant, please provide a copy of passport, visa and a copy of work permit which is up to date with the latest information, including answer all the questions on Declaration Form for Non-Thai national.
  4. For Juvenile Applicant (aged under 17), please provide a copy of identification card of the legal representative, certified copy with an original signature.
  5. For the applicant with risk occupation and/or with greater than or equal to more than THB 2 million premium, please provide Customer Due Diligence Form.

Notettb perfect care | TMBThanachart (ttb) (16)

  1. This product is a life insurance product not a bank deposit. For the maximum benefit from the policy, the policyholder should continuously pay the premium throughout the premium payment period as well as holding the policy contract until its maturity. In case the policy contract is terminated prior to its maturity, the applicant may not receive cash benefit in the amount equivalent to the maximum policy benefit he/she is entitled to, or in the amount equivalent to all the premiums paid.
  2. The applicant should read, study, and understand insurance proposal before deciding to buy an insurance. And once receiving the policy contract, please read details, terms and conditions under the policy thoroughly.
  3. The company will adjust premiums on the policy anniversary date based on the change to the insured's age and occupation class and/or the overall claims experience of this rider portfolio. For this, the company will send written notice to the insured not less than 30 days in advance. The adjusted premium rate must be approved by the Registrar.
  4. A health insurance premium, up to a maximum of THB 25,000, is eligible for personal income tax deduction. However, the deduction for this premium together with the life insurance premiums paid cannot exceed THB 100,000 in total, according to the terms and conditions.

Underwritten byttb perfect care | TMBThanachart (ttb) (17)

ttb perfect care | TMBThanachart (ttb) (18)

TMBThanachart Bank Public Company Limited, in its capacity as the insurance broker, will facilitate the insurance transaction and premium payments only, while Prudential Life Assurance (Thailand) Public Company Limited will be responsible for providing the coverage and benefits as stated in the insurance contract.

Frequently asked questions

If I already have Perfect Saver 20/20 Package, can I buy perfect care instead?

ttb perfect care | TMBThanachart (ttb) (19)

answer : No. The assured has to buy a new policy only.

Can the assured retain cash return with the company in order to get interest?

ttb perfect care | TMBThanachart (ttb) (20)

answer : No. The assured cannot do so as there is no such condition in this insurance plan.

Can the assured buy perfect care only on the part of the basic policy, i.e., 20-year Multiple Savings (Non-PAR)?

ttb perfect care | TMBThanachart (ttb) (21)

answer : No, ttb perfect care is a life insurance package designed for customers who want to save money together with medical expense cover.

Can the assured buy perfect care with the sum assured higher than 100,000 Baht?

ttb perfect care | TMBThanachart (ttb) (22)

answer : No. The sum assured is limited at 100,000 Baht according to the underwriting criteria.

If I already have the company’s health rider (HS), can I buy perfect care in addition?

ttb perfect care | TMBThanachart (ttb) (23)

answer : Yes, you can. However, the combined room & board benefit from every policy must not exceed 15,000 Baht per 1 assured person.

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ttb perfect care | TMBThanachart (ttb) (2025)

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