Roojai Online Critical Illness Insurance

Easily buy and customise insurance coverage with Roojai

Cover yourself and your family from the health and financial risks arising from multiple critical diseases.
Receive a lump sum after being diagnosed with one of the critical illnesses you decide to cover, including invasive and non-invasive cancer, neurological diseases, cardiovascular diseases, and organ failure.

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critical illness insurance coverage from Roojai

Where to find the best critical illness insurance?

When looking for trustworthy and comprehensive critical illness insurance, the policy should include the following:

  • High lump-sum coverage
  • Coverage for a wide variety of medical diagnosis or emergencies and critical illnesses
  • Customizable coverage for different illnesses
  • No waiting period at renewal
insurance coverage for critical illness with Roojai
buy your critical illness insurance policy online with Roojai

What are the benefits of
critical illness insurance?

  1. The insured can be between ages 18-60 years old
  2. Apply easily by just answering a health questionnaire online
  3. Customizable coverage amounts for the critical illnesses conditions you choose
  4. Lump sum up to 2,000,000 THB, depending on the selected plan
  5. Receive your policy documents within 2 weeks or instantly if you choose eDocuments
  6. Premium payment is tax deductible up to 25,000 THB, depending on the taxation law

Critical illness insurance coverage details with Roojai

Coverage Value Standard Recommended
Cancer 500,000 THB 1,000,000 THB 2,000,000 THB
Skin Cancer 50,000 THB 100,000 THB 200,000 THB
Neurological diseases 500,000 THB 1,000,000 THB 2,000,000 THB
Cardiovascular disease 500,000 THB 1,000,000 THB 2,000,000 THB
Organ failure 500,000 THB 1,000,000 THB 2,000,000 THB

Easy and secure to pay online through credit/debit card.

buy cancer insurance online with Roojai

Please read through the full plan details, assess your risk, and choose the right coverage for yourself
Do not hesitate to contact us at 02 582 8855 if you have any question.


Critical Illness Insurance FAQs

What is a critical illness insurance policy?

Critical illness insurance was created as a compliment to health insurance, it provides extra coverage for dreaded medical diagnosis like various stages of cancer, aneurysm, Alzheimer’s disease, Parkinson’s disease, major stroke, acute heart stroke, coronary artery disease requiring angioplasty, coma, prostate cancer, melanoma, severe chronic obstructive pulmonary, skin cancer, end-stage lung disease, and chronic kidney failure.

A critical Illness insurance policy helps a patient to focus on recovery instead of worrying about covering medical expenses.

Why buy a critical illness insurance policy?

Cancer, heart conditions, neurological conditions, and organ failure are the top drivers of medical emergencies in Thailand. The medical treatment costs can add up quickly and extinguish a family's savings as well as their financial freedom.

What does critical illness insurance cover?

Depending on how you customise your insurance policy, the following illnesses may be covered

  1. Cancer
    • Non-Invasive cancer
    • Invasive cancer
  2. Neurological Conditions
    • Coma
    • Cerebral aneurysm requiring brain surgery
    • Cerebral aneurysm treatment by endovascular coiling
    • Alzheimer's disease
    • Parkinson's disease
  3. Cardiovascular diseases
    • Major stroke
    • Acute heart attack
    • Coronary artery disease requiring angioplasty
  4. Organ Failure
    • Severe chronic obstructive pulmonary disease
    • End-stage lung disease
    • Chronic kidney failure

*Please read the full details of the critical illness insurance coverage.

What is the difference between cancer insurance and critical illness coverage?

Cancer insurance is often conflated with critical illness insurance. The difference is that cancer insurance focuses on protection from different types of cancers while critical illness includes other types of diseases that a person may be diagnosed with.

What else is covered by the critical illness insurance policy?

Even having a health insurance policy, and surviving a heart attack or other medical emergencies, can leave a patient and their family with crippling medical expenses. These critical illnesses require extensive medical treatment and can quickly use up a medical insurance policy. The medical bills might become insurmountable if the patient does not have an emergency fund or proper insurance to cover the medical expenses.

How old must the insured be?

18 to 60 years old

Where to buy critical illness insurance with Roojai?

You can buy your insurance policy online through our website, call 02 582 8855 to talk to our award-winning customer service or buy in person at one of our branches

How to buy critical illness insurance with Roojai?

  1. Answer the health questionnaire on our website and get a quote
  2. Read the details and choose your preferred plan
  3. Fill out the form, including the start date and the beneficiary
  4. Pay online and wait for our staff to contact you to confirm your information or wait for the payment confirmation email.

Which payment methods are available?

You can pay for your critical illness insurance premium using one of the following methods:

  • Credit card or debit card
  • PromptPay
  • Line Rabbit Pay
  • TrueMoney

What are the conditions of a critical illness insurance policy waiting period?

Roojai will not pay compensation if the insured is medically diagnosed with one of the covered medical conditions during the first 90 days after the policy start date. The company will refund all the received insurance premiums to the insured.

Does the insured need to have a health check-up?

The insured does not need to have a health check-up. Apply easily by just answering a health questionnaire. If the information provided is found to be inaccurate, Roojai is entitled to increase the insurance premium or terminate the policy.

Can critical illness insurance be deducted on taxes?

Your insurance premium payment is eligible for up to 25,000 THB tax deduction, depending on the local taxation law.

When does the insurance policy become effective after purchase?

The policy will be effective on the date specified in the policy schedule.

Is critical illness insurance worth it? Can I use the lump sum to cover for treatment drugs?

Insurance coverage for critical illness helps you and your family with additional coverage to complement your health insurance, in case of medical emergencies.

The critical illness lump sum can be used to cover a variety of expenses:

  • To pay for critical medical services
  • To pay for medical treatments
  • To pay for daily living expenses, allowing the patient to focus on recovery instead of worrying how to pay their bills
  • To pay for transportation expenses to treatment centres, buy wheelchairs, installing lifts in homes

How to renew the critical illness insurance policy?

Your policy can be renewed through the Roojai mobile app or through our call centre.

How to cancel the insurance policy?

The insured will need to contact Roojai in order to process the policy cancellation:

  • In the case of Telemarketing, the policy can be canceled without charges within 30 days (Freelook Period) from the date of receiving the policy.
  • In the case of purchase through an online channel, the policy can be canceled without charges within 15 days (Freelook Period) from the date of receiving the policy.

Tips on buying Critical Illness Insurance

Critical illnesses negatively impact your health and wealth. Selecting a comprehensive insurance premium for critical medical conditions can protect you from uncertainty and struggles. Select and choose the right policy for you! We have prepared tips to assist you to make the right choice:

  1. Make sure to understand the process of reimbursement.
  2. Check out the Maximum Coverage, as critical illness coverage should include pre-hospitalization expenses, during the treatment, and post-hospitalization expenses.
  3. Check what is excluded from the policy and choose the coverage that covers most events.
  4. We recommend purchasing Critical Illness insurance to: seniors, retirees, white-collar workers, and people who experience stress conditions regularly.

How to contact us?

Customer service 02 582 8855

Terms and Conditions for Critical Illness Insurance

  1. Purchase is limited to 1 critical illness policy per person
  2. The customer can cancel the policy without charge within 30 days (TELEMARKETING) OR within 15 days (ONLINE) from the date he/she receives the policy (Freelook Period)
  3. You should always read through the details of your coverage and conditions before deciding to buy insurance
  4. Roojai will send a receipt and insurance policy documents by mail only if specified by the customer. Otherwise all documents will be accessible 24/7 through the Roojai mobile app or on the MyAccount account section of the website
What is NOT covered by the critical illness insurance policy? (Coverage exceptions)
  1. Pre-existing Condition
    • When the Insured has been diagnosed, received medical treatment, or consulted by a physician to have cancer before the first-year policy start date.
    • When the insured has symptoms or abnormalities, related to, or resulting from cancer that appears before the first-year policy start date. In such a case, the symptoms or abnormality must be so significant that it would require a person to seek a medical diagnosis or treatment by a physician.
  2. When the insured shows symptoms or is diagnosed with cancer during the first 90 days after the Policy start date that is specified in the schedule

Definitions:

A white-collar worker is a person who performs professional, desk, managerial, or administrative work
Lump sum is an amount of money that is paid at one time: a single sum of money.
Invasive cancer The appearance of a tumor or cell that is confirmed from pathological examination that it is cancer. Such cancer has spread over the basement membrane or spread to a nearby membrane or other organs.
Non-invasive cancer The first-time appearance of a tumor or cell that is confirmed from pathological examination that it is cancer. Such cancer must have not yet spread over the basement membrane or spread to a nearby membrane or other organs
Neurological Conditions Are a group of disorders, such as coma, cerebral aneurysm requiring brain surgery, cerebral aneurysm treatment by endovascular coiling as well as Alzheimer’s disease, Parkinson’s disease
Organ failure is the failure of an essential system in the body. Example of such failures are the Severe Chronic Obstructive Pulmonary Disease, end-stage lung disease, chronic kidney failure
Cardiovascular diseases are a group of disorders of the heart and blood vessels and include coronary heart disease, cerebrovascular disease, rheumatic heart disease, heart stroke and other conditions. Are a group of disorders relating to the heart such as a major stroke, acute heart attack, Coronary Artery Disease requiring angioplasty
Pre-hospitalization are doctor consultation services, diagnostic tests, prescribed medicines, and performing activities required to hospitalise patients for treatment according to the diagnosis of a doctor.
Post-hospitalization is a period after the insured has been discharged from the hospital. Post-discharge expenses like medicine, follow-up appointments, and tests.