Terms and Conditions of Account Opening
Applicant qualifications
Applicant qualifications
  • Female customer opens an account from the age 15-60 years.
  • Be in good health and have never had any type of cancer and tumor before, the applicant must declare of her medical history and meet the conditions which specified by the insurer.
  • Need to apply for UOB TMRW App service to check details of account movement and the average deposit balance of the past 3 months. (The average deposit balance for the past 3 months will be calculated and displayed on the first business day of the following month).
  • If the customer requesting to open an account is about to reach 61 years of age, the customer must open an account before the month of birth only. The customer will be unable to open an account in the month of birth. For example, the customer will turn 61 years old on 6 December 2022, so the customer must open an account by the end of November 2022. The customer will be unable to open an account from 1 December 2022 onwards.
  • For the customer who opens an account before 1 July 2022, 7 cancers at all stages insurance benefits will only cover the customer who has never been diagnosed with cancer by a doctor before 1 July 2022.

Details of account opening
Details of account opening
  • Open a deposit account from 1,000 baht.
  • Limited to 1 account per person, single account only. joint account is not applicable.
  • Get the coverage of 2 times of the average deposit amount for the past 3 months prior to the month of first medical diagnosis and identification of cancer. Coverage up to 2 million baht
  • Coverage of 7 cancers in women at all stages, namely uterine, cervical, Fallopian tube, ovarian, vulvar, vaginal and breast cancers will start after 90 days from the account opening date (due to there is a waiting period). The account holder will be the beneficiary.
  • The Bank pays insurance premiums. The account holder is the insured and the beneficiary under the group non-life insurance policy, UOB Lady’s Savings Account. Thaivivat Insurance Public Company Limited is the insurer and takes responsibility under the terms of coverage and benefits according to conditions.
  • The value of insurance premiums is equivalent to the deposit interest rate that increases approximately 0.54% per year as of 1 July 2022.
  • This deposit is protected by the Deposit Protection Agency in the amount specified by law.

The more deposits, the higher protection.

  • Receive the coverage of 7 cancers in women at all stages, at the 2 times of the balance of the past 3 months average deposit amount prior to the month that being medically diagnosed and identified as cancer up to 2 million baht.
  • In case of the account owner opens more than one account within the same month, the bank will consider the coverage from the account with higher accumulated deposit value. In case of opening more than 1 account in different months, the bank will consider the coverage from the account that was open at the first time.

Termination of coverage

  • When the account holder is 65 years old
  • This account has been closed.
  • Death of the account holder.
  • The claim has already been made.
  • The account holder lacks of any qualifications as specified in the insurance terms and conditions.

The sample of coverage calculation from average of 3 months deposit balance prior to the month of being diagnosed and confirmed of having cancer.
Monthly average balance = the sum of daily balance divided by number of days of the month
Therefore, the coverage for all stages of cancer in women from the average of 3 months deposit balance prior to the current month is calculated from

the average deposit balance of the 1st month prior to current month

+
the average deposit balance of the 2nd month prior to current month

+
the average deposit balance of the 3rd month prior to current month

3

Example: Ms. Janny has the average
monthly account balance as follows:

January 2022 = 100,008.49 bath
February 2022 = 100,016.43 bath
March 2022 = 100,024.92 bath
April 2022 = 100,033.14 bath
May 2022 = 100,041.77 bath
June 2022 = 100,049.99 bath

Average balance of deposits for
the last 3 months (AMAB)

=

(100,033.14 + 100,041.77 + 100,049.99)


3

=

100,041.63 bath

According to the above example, the following month (July 2022), the client will receive the coverage of all stage of 7 cancer in women = 200,083.26 baht.


Remark

1.) In case you close your account and you prefer to open a new UOB Lady Savings Account again, there must be a waiting period of 90 days from the date of account re-opening for cancer coverage in women at all stages

2.) Deposit, withdrawal, cross the region transfer, across banks may cause additional fees, please study
the service fee announcementsClick

3.) Inactive account is an account that has no deposit-withdrawal-transfer-payment transaction (excluding automatic transactions from the system such as Auto Direct Debit)
for a period of 12 consecutive months. In order to adjust the status from "Inactive account" to "Active account",
the account holder must contact UOB branches to verify and make an withdrawal from that the account.

In case of 7 cancers in women of all stages,
claim form
medical certificate
medical history including finding and diagnosis and biopsy results
a copy of the insured's ID card with certified true copy
a bank statement for the past 3 months
blood test results for HIV or AIDS.
In the event which the insured does not file the claims himself or herself please add document as follows:
Power of Attorney
copy of ID card and a copy of the house registration of the Grantor
copy of ID card and a copy of the house registration of the Grantee
Contact details for banks and insurance company
  • Inquiry about savings accounts at UOB Customer Service Center 0 2285 1555 or any UOB branches, nationwide.
  • Inquiry about cancer insurance for women coverage at MSIG Insurance (Thailand) Public Company Limited. Tel. 0 2007 9090
Service channel
  • Via UOB TMRW App:Money Transfer Service Checking your balance and account activity. Payment for goods and services and other financial transactions 24 hours a day and the daily maximum available limit are in according to the terms of service
  • Via bank branches: deposit, withdrawal, transfer, check balance and account activity Payment for goods and services and other financial transactions according to branches working hours without limit to the number of times and the maximum daily amount.
  • Through the Bank's ATM:Withdrawal, money transfer, payment for goods and services 24 hours a day when applying for a debit card service. The daily numbers of transaction and the maximum amount is limited to service condition of debit cards
  1. What is the coverage type of cancer and at what stage?

    The coverage covers cancer of the uterus, cervix, fallopian tubes, ovaries, vulva, breast at all stages when the client had been diagnosed along with a medical examination that clearly indicates that the insured person is diagnosed of cancer for the first time.

  2. Does the coverage covers any cancer other than cervical cancer, uterine cancer, cervical cancer, ovarian cancer, vulvar cancer, vaginal cancer, and breast cancer or not?

    Not covered

  3. In case of the insured member had diagnosed from one of the above cancers and the benefit has already been paid out, has the policy continued to maintain coverage for other cancers as well? (In case of continued deposits with the bank)

    This policy provides coverage in case of cancer detection at all stages. If the benefit has already been paid, this contract will end the coverage. The sum insured depends on the calculation of the average account balance for the past 3 months as determined by the bank

  4. What are the conditions of this policy that end coverage?

    1. The date on which the insurance policy expires or ineffective.
    2. The date on which the insured member passed away.
    3. The date on which the insured member disqualifies as specified in the insurance conditions.
    4. When the benefit is reimbursed to the insured member.
    5. The insured member closes the lady savings account.
  5. If cancer is detected the insured will receive a lump sum benefit or will be receiving benefit according to the actual treatment cost?

    The insurance company will pay benefits according to the sum insured of the cancer insurance for women. The benefit is based on the calculation of the average deposit balance of the past 3 months prior to the month which the insured person is medically identified and diagnosed as having cancer according to the condition stated by United Overseas Bank (Thai) Public Company Limited (“UOB”).

  6. How can the insured check their average deposit balance of the past 3 months?

    The insured can check from the UOB TMRW App on his/her mobile phone.

  7. How many Cancer for women insurance policy can each insured member have?

    1 entitlement only

  8. How can the insured member file their claims document?

    The insured must submit claim documents through UOB branches only

  9. If the insured member claims for cancer coverage during the insurance plan transition, how the insurance companies evaluate the benefits based on which coverage.

    The benefits that the insurance company will remunerate to the insured member will be calculated from the average deposit balance of the past 3 months prior to the month in which the insured was medically identified and diagnosed as having cancer up to 2 million baht as stated by UOB.

  10. In the event that the insured member had left-sided breast cancer and had been cured completely before entitlement to cancer for women benefit, how does this policy provide coverage?

    For this event which the insured member has had cancer before opening UOB Lady account, the insured member will not be able to receive this coverage.

  11. Eligibility for cancer coverage in women can be transferred to heirs or family members?

    Those who are eligible for coverage for 7 cancer in women at all stage are the account holder who has been named in the Lady Savings Account opened with UOB will be granted. The eligibility cannot be transferred.

  12. After opening an account, can the insured member claim immediately or not? Or how many days is there a waiting period for the policy to take effective?

    The insurance company will pay the benefits to the insured member. By illness with cancer in women of all stages. Symptoms must appear for the first time after 90 days from the effective date of the insurance policy.

  13. Age of applicant

    15-60 years old

  14. How is the average account balance for the last 3 months calculated?

    Calculation method as follows:

the average deposit balance of the 1st month prior to current month

+
the average deposit balance of the 2nd month prior to current month

+
the average deposit balance of the 3rd month prior to current month

3

Example: Ms. Janny has the average
monthly account balance as follows:

January 2022 = 100,008.49 bath
February 2022 = 100,016.43 bath
March 2022 = 100,024.92 bath
April 2022 = 100,033.14 bath
May 2022 = 100,041.77 bath
June 2022 = 100,049.99 bath

Average balance of deposits for
the last 3 months (AMAB)

=

(100,033.14 + 100,041.77 + 100,049.99)


3

=

100,041.63 bath

According to the above example, the following month (July 2022), the client will receive the coverage of all stage of 7 cancer in women = 200,083.26 baht.

Download procedure for using UOB TMRW

For customers who open an account at UOB branches and download UOB TMRW later by themselves. Please find the process of download and service from this video.