UOB Healthy Wealth Package

Important Information

The company will not cover*

1. In the event of non-disclosure or misrepresentation, the company will terminate the contract within 1 year from the policy effective date or
2. The insured commits suicide within 1 year from the policy effective date or is murdered by the beneficiary.

Pre-existing conditions

The company will not pay benefits under this rider for any pre-existing chronic disease, injury, or illness (including any complications) prior to inception of this rider, except:

1) The insured has informed such a condition to the company and the company accepts the risk and agrees to underwrite it without exclusion, or,

2) The chronic disease, injury, or illness (including any complications) has not shown noticeable symptoms, has never been examined or diagnosed by physician, or the insured has never visited or consulted with the physician in a period of 5 years before the inception of the rider. Additionally, this rider must remain in force for at least 3 years after its inception.

Waiting Period for HA Wealth 2 Rider

The company will not pay benefits under this rider in the event of illness or medical expenses incurred during the following periods of time after the effective date of this rider, or on the date that the company has approved to increase the benefit amounts of this rider, whichever occurs later:

• Any illness that occurs during 30-day period, or,
• Medical examination, eye exam and vaccination that occur during the 12-month period,
• Dental treatment that occurs during the 90-day period.
• Any of the following illnesses that occur during the 120-day period:

The aforementioned illness includes the following items.

• Tumor, Cyst, or all types of cancer
• Hemorrhoid
• All types of hernia
• Pterygium or Cataract
• Tonsillectomy or Adenoid
• All types of stone diseases
• Varicose veins in the leg
• Endometriosis

In the event that the company approves an increase in benefits, only the increased benefits will not be covered. The company will not apply the waiting period condition if the insured suffers an injury or requires emergency surgery that is not related to any pre-existing conditions.

In the event that the company approves an increase in benefits, only the increased benefits will not be covered. The company will not apply the waiting period condition if the insured suffers an injury or requires emergency surgery that is not related to any pre-existing conditions.

1. Condition arises due to functional birth defect or structural birth defects, or genetic disorder, abnormal physical development.
2. Cosmetic surgery or treatment, or any optional surgery except for wound care and dressing caused by covered accidents.
3. Pregnancy, miscarriage, abortion, delivery.
4. AIDS or venereal disease or sexually transmitted diseases.
5. General health check, requesting for medical institution stay, or surgery request, recuperation, diagnosis of injury or illness, treatment or analysis to find illness causes which are not medically necessary or not a medical standard.

Note: For complete details of exclusions, please refer to the insurance policy.

Filing an insurance complaint

If you have any questions about insurance or are experiencing any problem, please submit your complaint to

• Customer Service Center, Prudential Life Assurance (Thailand) Public Company Limited 944 Mitrtown Office Tower,10th, 29th – 31st Floor, Rama 4 Road, Wangmai, Pathumwan, Bangkok 10330, Tel 1621 (during office hours), , email: hotline@prudential.co.th
• Any branch of United Overseas Bank (Thai) PCL or UOB Contact Centre 0 2285 1555 or www.uob.co.th
• Office of Insurance Commission (OIC), Hotline 1186.
• Financial Consumer Protection Center, Bank of Thailand, Call Center 1213 or email: fcc@bot.or.th

Tax Benefits

1. Premiums of life insurance with coverage shorter than 10 years are not income tax deductible, according to the conditions of the Revenue Department.
2. Premiums of health rider are entitled to annual tax deduction up to THB 25,000 per year. When combined, with the life insurance premiums the total deduction cannot exceed THB 100,000 per year (according to the conditions of the Revenue Department).

United Overseas Bank (Thai) PCL, as an insurance broker with license No. ช00026/2545, facilitates the arrangement of life insurance contracts and the payment of premiums only. Prudential Life Assurance (Thailand) Public Company Limited will be responsible for all protection and benefits under terms and conditions as specified in the insurance policy.