The linked video presents Allianz Ayudhya Double Care and includes a headline amount of THB 60 million. A video headline is not enough to confirm that a policy is currently offered or that the stated amount applies to every applicant. Product versions, eligibility, premiums, exclusions and benefit limits can change. Check the current policy documents and written terms from the insurer before making a decision.
Start with the policy schedule
Ask for the schedule and full policy wording for the exact plan and version being offered. Confirm the insured person, start date, premium, selected plan, benefit period, covered hospitals or regions and the method for making a claim. Keep the version you reviewed so it can be compared with the issued policy.
Check how the coverage limit works
Do not rely on a single headline number. Find out whether a stated amount is an annual limit, a lifetime limit, a per-illness amount, a room-and-board cap, a separate critical-illness benefit or a conditional multiplier. Check whether benefits share one overall limit or have separate sublimits, and whether any special conditions apply.
Review exclusions and waiting periods
- Read the definitions and exclusions for pre-existing conditions and specific illnesses.
- Check waiting periods, survival periods and any requirements for diagnosis or treatment.
- Confirm whether outpatient care, emergency treatment, medicines, rehabilitation and follow-up visits are included or limited.
- Ask how deductibles, copayments, coinsurance and non-network providers affect the amount you pay.
Understand renewal and premium terms
Confirm the renewal conditions, age limits, premium review rules and circumstances in which coverage can change or end. Ask whether a claim can affect renewal or future premiums under the policy terms. Do not assume that a policy is guaranteed renewable or that premiums will stay level unless the contract says so.
Compare policies on the same basis
Compare the full benefit schedule, exclusions, limits, out-of-pocket costs, renewal rules and claim process—not only the maximum coverage amount. Ask the insurer to explain any item that is unclear in writing. Consider whether the premium fits your budget over time and how existing public or employer coverage may coordinate with the plan.
Before you apply
- Request the current policy schedule and wording.
- Confirm product availability and eligibility directly with the insurer or a licensed representative.
- Disclose health information accurately and keep a record of submitted answers.
- Read the issued policy and verify it matches the plan you selected.
This article is general consumer information, not a recommendation to buy an insurance product. The linked video is a product presentation and does not establish current terms or imply an endorsement by this site.