FAQ

1. General Question

  • Life insurance is an agreement between an insurer (life insurance company) and its customer (policyholder), by which the insurer agrees to pay a certain sum to the insured or to his/her beneficiary(s) and the insured pays premiums to the company within the agreed time.
  • It is a means of savings which comes with life protection. The amount and the period for the savings can be specified.
  • Ordinary Life
  • Personal Accident
  • Credit Life
  • Unit Link
  • Group Life
  • Whole Life:   which gives a long-term life coverage.  If the insured dies while the policy is inforce, the Company will pay the sum assured to his/her beneficiary(s).  If the insured lives through the policy’s maturity date, the Company will pay a benefit as stated in the insurance policy.
  • Endowment:   is a savings plan that comes with life coverage.  The Company will pay the sum assured to the policyholder at the policy maturity date, or, it will pay a sum to the insured’s beneficiary(s) should the insured dies while the policy is in effect.  The savings element of this plan comes at the policy maturity date when the insured is paid a certain sum.
  • Term Life:   is a plan that pays a death benefit to the beneficiary(s) should the insured dies within the term of coverage.  This type of plan gives some financial security to those left behind by the insured’s untimely death.  The plan does not have a savings element so there is no pay-back at the end of the policy term.  Therefore this type of product has a low premium.
  • “Face-to-Face” selling is done through the Agency Channel.    The agents seek out prospects to ascertain their needs and help make future plans through financial savings by introducing the right products to them.   Face-to-Face selling is done through
  • Sales Agents
  • Financial Service Consultants
  • Direct Marketing/Telemarketing (DMTM), which is done over the phone.
  • In general,  conditions will be set for age, minimum premium payment ,  payment mode, etc.
  • Additional conditions may call for Anti-HIV screening  (for case-by-case);  list of medical check-up that may be required (for case-by-case);  underwriting conditions for pregnant women / housewives / non-working persons / youths (under 17 years) / students / monks and foreigners.
  • There may be conditions set for “Non-med” cases, which means that the Company will accept to write a policy without requiring the insured to undergo a pre medical check-up.  **please re-check the requirements**
  • Medical check-up requirements
  • Occupation-class
  • Financial standing, etc.
  • Payments may be made at our Head Office, 24th Floor @ Sathorn Building, South Sathorn Road by cheque / cashier’s cheque / bill of exchange, made payable to “Prudential Life Assurance (Thailand) PCL.”  For cheques, please cross out “or bearer” and mark “A/C Payee Only”.  Kasikorn Bank credit cards, VISA, MASTER   and American Express (Thai) cards are also accepted.  No fees are charged for payment at our Head Office.
  • For Single Premium:  payment may be made at bank counters, ATMs, Telephone Banking (Bangkok Bank and Thai Military Bank).
  • Pay through Counter Service / Postal Offices (no fees charged) / AIS Mobile System
  • Auto-payments throughout the policy term by bank and credit direct debit (no fees charged)

You may call our Customer Service Center at 1621
Mondays-Fridays from 08:30 - 19:00 hrs. and on Saturdays from 08:30-16:00 hrs.
(Except Sunday, Company Annual Holidays & Public Holidays.)

Please contact our Customer Service Center at 1621
Mondays-Fridays from 08:30 - 19:00 hrs. and on Saturdays from 08:30-16:00 hrs.
(Except Sunday, Company Annual Holidays & Public Holidays.)
Email :

2. Claim-Related Issues

You will need to submit the following claims documents to the Company

Death Claims (for normal death)

  • Documents for the Insured
    • The Insured’s life insurance policy (in original)
    • Death Certificate, in original (if a copy is produced, it will need to be certified by the issuing officer)
    • A copy of the Insured’s ID card, verified by the BeneficiaryA copy of the Insured’s House Registration with the word “Deceased” stamped on the registration and verified by the Beneficiary
  • Documents for the Beneficiary(s)
    • A death claims request, signed by all the Beneficiaries
    • Copies of ID Card(s) and House Registration(s) of the Benefiary(s)A written consent by the Beneficiary(s) or the legal heir(s) to disclose the deceased’s medical history

For Accidental Death Claims, or other causes of death, the following documents are required:

  • The Police Report, verified
  • The Coroner’s Report

Accidental Claims (non-death)

  • A Claims Form (completed by the Insured))
  • A Doctor’sl Report or a Hospital Report (giving details of the treatment)
  • Copy of the Insured’s ID Card

 

Medical Claims

  • A Claims Form (completed by the Insured)
  • A Doctor’s Report or a Hospital Report (giving details of the treatment)
  • Copy of the Insured’s ID Card
  • The original receipt with a cover page showing a summary of expenses

3. Questions & Answers on HM FAX Claims

The HM fax-claim service is available at all Prudential’s hospital network. You may check for our hospital network from our Prudential website.

These are the documents needed

  • Your Policyholder ID Card, or your ID Card
  • Your signature on the HM Fax-Claim Application Form
  • If the policyholder chooses to use our fax-claim service as a first choice, he/she will be issued a copy of the receipt for expenses incurred for the treatment and the original receipt will be sent to us, as payer of your coverage. If there are any balances, the policyholder will have to settle this amount directly with the hospital and he/she will be issued the original receipt for this difference. This original receipt can be used to file claims from other insurers, social welfare, etc.
  • If the policyholder has health insurance with other insurance providers and chooses to use the fax-claim service of the other insurance providers first, he/she may then use the copies of these receipts along with copies of the hospital documents (expense details, claim form, doctor’s certificate and the claimant’s ID card) to file for his/her HM claims from Prudential. Prudential’s HM rider is a long-term health insurance rider that pays a specific sum as stated in the policy. It does not pay for the treatment’s actual expense. By choosing to use other health insurance that the customer may have before using Prudential’s HM health rider, the customer will gain the maximum benefit as he/she will be able to claim from both sources.

If the policyholder has chosen to use our fax-claims service and if our company has already proceeded with payments to the hospital, then the procedure cannot be reversed or cancelled.

4. Tax Exemption Issues

Announcement by the Director-General of the Revenue Department on tax exemptions for life insurance policies (for those who bought life insurance policies from January 1, 2009 onward). Download
List of life insurance products whose premiums are eligible for personal income tax privilege, as announced by the Director-General of the Revenue Department, Announcement No. 172 dated December 30, 2008. Download
Notification of the Director-General of the Revenue Department On Income Tax Collection (No. 315) Prescribing Rules, Procedures and Methods Related to Tax Exemption for Health Insurance Premium Paid by Income Tax Payer Download
Announcement by the Director-General of the Revenue Department (Announcement No. 194) on regulations and procedures for tax exemption on the amount paid for Annuity life insurance plans, for those with incomes, as stated in the third paragraph of item 2(6) of the Ministry’s Regulations, No. 126 (B.E. 2509) of the Revenue Code on Exemptions on State Revenue. Download
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