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Cancer Fix
Cancer insurance plans provide comprehensive coverage for individuals diagnosed with cancer at any stage, with a maximum payout of 500,000 Baht including reimbursement of expenses for chemotherapy, radiation therapy, and re-examinations. Offering fixed annual premiums from the initial entry age without any further increases, this plan is ideal for those who value financial planning and prioritize their health. Additionally, premiums qualify for tax deductions.
Key features
Aged 1-54 years old and renewal up to 64 years old.
Chemotherapy and/or radiation treatment up to 50,000 Baht.
Second opinion up to 10,000 Baht.
Plan details
- Annual premiums are fixed at the age of entry for consecutive renewals.
- Cover the cancer for the first time up to 500,000 Baht.
- Reimburses chemotherapy and/or radiation treatment up to 10,000 Baht per time and maximum 50,000 Baht per policy.
- Cover the second opinion benefit up to 10,000 Baht.
| Coverage | Sum Insured (Baht) | ||||
|---|---|---|---|---|---|
| Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | |
1. Cancer (Excluding Skin Cancer) | 100,000 | 200,000 | 300,000 | 400,000 | 500,000 |
2. Skin Cancer (Payable as part of Cancer)* | 20,000 | 40,000 | 60,000 | 80,000 | 100,000 |
3. Chemotherapy and/or Radiation Treatment Benefit | |||||
Per time | 5,000 | 5,000 | 5,000 | 10,000 | 10,000 |
Maximum per policy | 25,000 | 25,000 | 25,000 | 50,000 | 50,000 |
4. Second Opinion Benefit | 5,000 | 5,000 | 5,000 | 10,000 | 10,000 |
Acceptance Conditions
- Thai nationality residing in Thailand only.
- Ages 1-54 years old with renewal up to 64 years old.
- Annual premiums are fixed at the age of entry for consecutive renewals.
- Covers Insured persons who are subsequently diagnosed with cancer for the first time.
- Applicant must be in good health, have no any disabilities and no prior cancer diagnosis.
- Applicant must complete the application form and pass the criteria for insurance coverage.
- Applicant can only apply for one insurance policy for a same time period.
- For applicants who already have another cancer insurance policy with MSIG Insurance (Thailand) Public Company Limited, you may buy in addition the Cancer Fix plan, however the sum insured of the Cancer Fix plan when combined with the sum insured of the existing policy plan must not exceed 1,000,000 Baht.
- * If the insured has been already fully compensated under cancer insurance (up to the policy’s sum insured), the insured will not be able to claim for skin cancer.
Important Exclusions
- Persons who have been diagnosed or tested positive with HIV/AIDS or are infected with a virus or immune deficiency condition.
- Persons with any pre-existing cancer condition including persons who have been diagnosed with cancer before the date the first-year insurance policy is in effect, regardless of whether the condition has been treated and cured.
- Persons who have any symptoms of cancer or abnormalities that could be related to cancer (no matter the type) within a period of 90 days from the date of this insurance policy first becomes effective.
MSIG Contact Centre
Tel: 02 007 9000
Email: Click here
Monday – Friday (8.30 a.m. – 9.00 p.m.), Saturday (9.00 a.m. – 6.30 p.m.)
(Except Sunday and Official Holidays)
A: Cancer insurance is a health insurance policy specifically designed to provide coverage in the event that the insured is diagnosed with cancer. It pays a lump sum benefit upon the first diagnosis of cancer, and also offers additional benefits for treatments such as chemotherapy, radiotherapy, and follow-up diagnostic tests.
Cancer insurance differs from general health insurance in that it focuses solely on cancer, which is a disease with high treatment costs and long recovery periods. Having MSIG Cancer Fix insurance helps patients access the best possible treatment without worrying about expenses, while also reducing the financial burden on their families.
A: For MSIG Cancer Fix cancer insurance, applicants are not required to undergo a medical examination before applying. They only need to answer health questions and meet the company’s underwriting criteria.
A: Once the company has paid 20% of the cancer sum insured for skin cancer, coverage for skin cancer will terminate. The insured cannot extend skin cancer coverage further. However, coverage for other major cancers remains in force.
At the same time, if benefits for a major cancer have already been paid, coverage for other cancer-related benefits such as follow-up diagnostic tests, chemotherapy, and/or radiotherapy will continue to remain valid.
A: Yes, claims can be made if chemotherapy began before the policy expiration date. However, if chemotherapy is performed after the policy has expired, claims cannot be made.
