Cashless Service

Our Cashless Service

What is Cashless Payment?

A service provided by CTLI which allows the policy holder to avail of hospital facilities without having to worry about paying hospital bills.

Customer doesn’t need to have any cash on hand to complete the payment.

What are the benefits?

Reduce Financial Burden

Beneficial on immediate treatment

Easy to Claim 24/7 on APP

Peace of Mind

Health Insurance – Cashless Service

Health Insurance Info

Health insurance is a type of insurance which provide financial assistance benefits for insured person or his/her family while unexpected medical situations.

Coverage for Cashless Payment

Hospitalization Due to Disease

Hospitalization Due to Accident

Surgery

Outpatient

Insured Person

Age of limitation	(6) years to (75) years
Insurance Term	(1) year
Available Units	(11) units to maximum (25) units

Health Insurance Package

The insurance benefits according to the health insurance plan are as follows.

Insurance Plan	Unit	Coverage	Benefits (Kyats)
Diamond	(11) units To (25) units
		Hospitalization Due to Disease	MMK 10,000 per day for Hospitalization, Up to (60) days
		Hospitalization Due to Accident	MMK 2,500 each time per unit, up to 4 times
		Surgery	Surgical benefit shall be paid out the lesser amount of either the actual surgical cost or the surgical benefit (which is MMK.500,000 per unit)
		Miscarriage	One time fixed benefit MMK. 300,000 shall be paid out for getting treatment due to miscarriage (regardless of the purchased unit) Total maximum benefit shall be MMK. 500,000 (For both surgery and miscarriage) x purchased unit

Table of premiums by insurance plan

Insurance Plan	Unit	Age Group	Semi-Annually (Kyat)	Annual (Kyat)
Diamond	(1) units
		6 year ~ 30 year	18,500	36,300
		31 year ~ 40 year	20,200	39,600
		41 year ~ 50 year	21,900	42,900
		51 year ~ 60 year	27,500	53,900
		61 year ~ 75 year	44,300	86,900

If there are group health insurance for 5 or more insured persons, Maximum (5%) discount available.

Exclusion Factors

Any existing disease that are under treatment or for any existing symptoms

Childbirth and Cesarean sections are covered, excluding hospitalization and surgery for diseases caused by pregnancy during the insured period (Preeclampsia, Gestational, Hypertension, Gestational Diabetes, etc.)

Psychosis Mental Disorder

Medical check-up and examinations

Fertility treatment

Dental surgery and treatment (except due to accident)

Optical examination, surgery and treatment (except due to accident)

Cosmetic surgery

Hearing aids

Physical defect or infirmity

Drug or alcohol abuse

Criminal Commitment

AIDS/HIV

Terrorism, civil unrest, riots, hostilities or warlike operations (whether war be declared or not) civil war assuming the proportions of or amounting to popular rising, rebellion revolution, insurrection, military or usurped power or any act of any person acting on behalf of or in connection with any organization with activities directed towards the overthrow by force of the government de jure or de facto or to the influencing of it by terrorism or violence or by the direct or indirect consequences of any of the said occurrences.

Hospitalizations for 3 days and under (except due to accident)

Fraudulent claims

Suicide or Suicidal self-injury

Our Partner Hospitals