Critical Illness Insurance: Pay-out on Diagnosis, Cash Back if Unclaimed

Covers 14 major illnesses, including cancer

15% Cashback if no claim 2 years

A Lump-sum additional recovery benefit

No health check-up required

Critical Illness Insurance Plans

Pay monthly or annually, with premiums starting from a few hundred baht and coverage up to THB 2 million.

Generali Insurance

Basic

Covers 14 critical illnesses, including cancer
Instant lump-sum payout on diagnosis
Covers a second medical opinion
No health check-up required

Starting at142Baht/month

View details

Generali Insurance

Extra

Additional coverage

Recovery allowance during treatment
up to 240,000 Baht

Covers 14 critical illnesses, including cancer
Instant lump-sum payout on diagnosis
Covers a second medical opinion
No health check-up required

Starting at146Baht/month

View details

Generali Insurance

Double

Additional coverage

Recovery allowance during treatment
up to 240,000 Baht

Funeral expense benefit 50,000 Baht

Covers 14 critical illnesses, including cancer
Instant lump-sum payout on diagnosis
Covers a second medical opinion
No health check-up required

Starting at163Baht/month

Critical Illness Insurance vs. Health Insurance

Payment type

Assessment

Use of funds

Best for

Critical Illness Insurance

Pays a lump sum when a critical illness is diagnosed

Based on the diagnosis and policy conditions

Can be used for treatment and other living expenses

Individuals concerned about financial distress upon a critical illness diagnosis

Health Insurance

Covers up to limit.

Based on medical expenses incurred

Focuses solely on medical expenses

Those looking for financial coverage to manage medical treatment costs

Why choose CI SHIELD for critical illness insurance?

Covers 14 major illnesses, including cancer

Covers critical illnesses specified in the policy, subject to the applicable conditions. Coverage limits depend on the insurance plan you choose.

Lump-sum payout of up to THB 2 million upon diagnosis

Receive a lump-sum payout of up to THB 2 million when you are diagnosed with a covered critical illness that meets policy conditions, plus support for a second medical opinion.

Additional recovery benefit

Additional benefits, including a recovery allowance, funeral expenses, and cover for death, loss of limbs or sight, or total permanent disability due to an accident.

15% Cashback if no claim 2 years

Receive 15% cash-back every 2 years without a claim, calculated from the first-year premium so you still get value even when you stay healthy. And you can claim a tax deduction of up to THB 25,000.

No medical check-up required

No need to travel for a medical check-up or submit hospital test results. Simply answer the health questions truthfully.

24-hour support team

For questions about coverage, purchasing insurance, or claims, contact Shield Insurance at 1501, 24 hours a day.

Critical Illness Insurance vs. Health Insurance

Payment type

Assessment

Use of funds

Best for

Critical Illness Insurance

Pays a lump sum when a critical illness is diagnosed

Based on the diagnosis and policy conditions

Can be used for treatment and other living expenses

Individuals concerned about financial distress upon a critical illness diagnosis

Health Insurance

Covers up to limit.

Based on medical expenses incurred

Focuses solely on medical expenses

Those looking for financial coverage to manage medical treatment costs

NCDs: Serious Diseases
A Silent Threat Closer Than You Think

Thais who die from serious diseases

Average1,096people/day

or 400,000 people/year

Risk of death from serious diseases

More than75%

Top 5 Serious Diseases Causing Death

Cancer and tumours

86,000people/year

Cerebrovascular disease

35,000people/year

Ischaemic heart disease

19,700people/year

Respiratory disease

16,000people/year

Chronic kidney failure

15,000people/year

Source: Department of Health, Ministry of Public Health

When critical illness strikes… We're here for you every step of the way

See a doctor and get diagnosed

If you notice unusual symptoms, see a doctor for a diagnosis to identify the cause and plan your treatment.

Support for second medical opinion costs

Confirm your diagnosis or get further tests. Insurance helps ease the cost of a second medical opinion.

Lump-sum payout when critical illness strikes

Use it for medical treatment, everyday expenses, or income replacement while you recover.

15% cash-back every 2 claim-free years

Enjoy both critical illness protection and policy benefits throughout the policy term.

When critical illness strikes… We're here for you every step of the way

See a doctor and get diagnosed

If you notice unusual symptoms, see a doctor for a diagnosis to identify the cause and plan your treatment.

Support for second medical opinion costs

Confirm your diagnosis or get further tests. Insurance helps ease the cost of a second medical opinion.

Lump-sum payout when critical illness strikes

Use it for medical treatment, everyday expenses, or income replacement while you recover.

15% cash-back every 2 claim-free years

Enjoy both critical illness protection and policy benefits throughout the policy term.

FAQ

No medical check-up is required. Simply answer 4 health questions. Coverage approval remains subject to your health information and the insurer's underwriting criteria.

This plan covers critical illnesses, including cancer:

Major Stroke
Cerebral Aneurysm Requiring Braining Surgery
Acute Heart Attack
Coronary Artery Disease requiring Angioplasty or Coronary Artery By-pass Surgery
Severe Chronic Obstructive Pulmonary Disease / End-stage Lung disease
Major Organs Transplantation or Bone Marrow Transplantation
Chronic Kidney Failure
Polio
Coma for 96 hours due to injury or illness
Cancer, at all stages
Coma for 48 hours due to injury or illness
Surgically removing one lung
Early Progressive Supranuclear Palsy
Moderately Severe Muscular Dystrophy
Moderate Severe Poliomyelitis
Hemophilia A and/or Hemophilia B (conditions that cause an abnormally high risk of bleeding after even a minor injury)

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Notes and conditions

Terms & Conditions

Eligible entry age is 21-70 years; renewable up to age 85.
Thai nationality and a 13-digit national ID card number are required.
No medical check-up is required; simply answer 4 health questions.
Maximum sum insured of THB 4 million per customer.
The maximum benefit under Benefit 1, Critical Illness, is 100% in aggregate across all illnesses, subject to conditions, and is payable only within the year of diagnosis.
If any critical illness is diagnosed, 100% of the sum insured purchased is payable within the same policy year, except for the extended additional coverage group, which pays 50% of the stated sum insured.
A second diagnosis must be obtained within 30 days of the first diagnosis.
Waiting periods are 90 days for critical illness and 180 days for funeral expenses, counted from the policy effective date.
Pre-existing conditions are not covered.
If the insured has no claims every 2 years, the insurer will return 15%, calculated from the first-year premium.
This insurance product is provided subject to the terms and conditions of Generali Insurance (Thailand) Public Company Limited. Buyers should understand the coverage details and conditions before deciding to purchase insurance.

Critical Illness Insurance: Pay-out on Diagnosis, Cash Back if Unclaimed

Critical Illness Insurance Plans

Basic

Extra

Double

Critical Illness Insurance vs. Health Insurance

Why choose CI SHIELD for critical illness insurance?

Critical Illness Insurance vs. Health Insurance