iSmart Health STV

Start7,745฿per year

Product Hilight

A Full set of Health Insurance Plan that cover both Inpatients and Outpatients
No cash advance payment needed with Falcon's VIP Care Card
Nationwide hospital network

Coverage Plan


1.Eligibility of Applicant for Special Tourist Visa :

1.1 Applicant must intend to apply for Special Tourist Visa in Thailand.

1.2 Applicant must be 30 Days – 70 years old (can be renewed up to 80 years old subject to satisfactory of claim experience).

1.3 Applicant aged below 15 years old cannot have standalone policy, the company required at least 1 adult policy (father/ mother) as a compulsory (sum insured for selected plan need to be equal to or less than adult plan).

1.4 The Premium will be adjusted as per age band.

       2. This insurance will not pay the benefits for any sickness during the first 30 days from the first policy commencement date of this insurance policy.

3. This insurance will not pay the benefits during the first 120 days from the first commencement date of this insurance policy for the following diseases : Benign, Malignant tumor, Cancer, Cystic mass, Hemorrhoids, Hernias, Pterygium, Pinguecula, Cataract, Tonsillectomy or Adenoidectomy, Stones, Varicose Veins, and Endometriosis (In case of renewal policy, this condition will not be applied)

4. Funeral Benefits or any Funeral expenses (only in case of death from illness) can only apply after 180 days from the first policy inception (In case of renewal policy, this condition will not be applied)

5. Covid19 Patient(s) who shall be considered as a “Inpatient” in the hospital must have the medical necessity and medical standards in according to Ministry of Public Health’s requirements and also meets one of the followings.

5.1 Fever higher than 39 degrees Celsius with period longer than 24 hours.

5.2 Breaths faster than 25 breaths per minute for adults

5.3 Oxygen Saturation < 94%

5.4 Any underlying disease that has change or needs for close monitoring at the Physician’s discretion

5.5 For children if having breathing difficulty, lethargy, or lesser consuming milk/meal.


Major Exclusions of Personal Health and Accident Insurance:

This insurance does not cover the cost of treatment or losses arising from injury or illness (including complications thereof) symptoms or conditions arising from the following :

  1. Pre-existing conditions, Congenital abnormalities, growth development abnormalities, and genetic disorders.
  2. Any cosmetic surgery or beautification treatment including treatment of acne, freckles, dandruff, weight reduction and weight gain, hair loss. Reconstructive surgery is also excluded unless injury is sustained as a result of an accident.
  3. Services in connection with infertility, pregnancy, childbirth, abortion or miscarriage, or any causes related to pregnancy, sterilization or investigation of sterilization.
  4. AIDS, related or sexually transmitted diseases (STD).
  5. Treatment to relieve symptoms commonly associated with aging, menopause or precocious puberty, sexual dysfunction of sex change.


  1. The Company reserves the right to reject any application or accept with exclusions (if any), according to underwriting standard of Company.
  2. This insurance is based on year-to-year basis (Not an automatic renewal guarantee).
  3. This document is not an insurance contract, all conditions shall be referred to definitions General Conditions and Exclusions of the original Personal Health and Accident Insurance Policy.
  4. The English language used in this document is merely a translation of Thai Version.


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