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Easy for you to access your insurance policy via our digital platform
Easy for you to access your insurance policy via our digital platform
I want to know more about
benefits and coverage
I want to calculate
how much for my coverage
I want to calculate
how much for my coverage
I want to know more about
benefits and coverage
AYA Health Insurance
As your health is your most valuable asset, we offer comprehensive health insurance solutions. Start your journey toward better health with AYA Health insurance plans which are crafted to suit your lifestyle and needs.
Benefit Details
Choose from the following types of AYA Health Standard Plans to suit your needs!
We also provide corporate customers with versatile health insurance solutions as Cafeteria Plan, meticulously customized to align perfectly with your unique needs. Regarding the purchase of the Cafeteria Plan, only the rules, regulations, and decisions of AYA SOMPO Insurance Co.,Ltd are considered final.
| Table of Benefits (in MMK) | AYA HEALTH | |||
|---|---|---|---|---|
| PLUS | PRO | PRESTIGE | PRIME | |
| Maximum Benefit PRIME Plan only : Additional Limit of up to 44,000,000 MMK, applies to Thailand Zone | 11,000,000 | 11,000,000 | 11,000,000 | 11,000,000 |
| Medical and Hospital Benefits | Benefits up to | Benefits up to | Benefits up to | Benefits up to |
| Ambulance Services | 165,000 | 165,000 | 165,000 | 165,000 |
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Hospitalization Costs
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Full Refund | Full Refund | Full Refund | Full Refund |
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| Chronic Conditions | ||||
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Maternity Cover (10 Months Waiting Period)
|
Nil | Nil | Nil | 1,100,000 |
| Thailand Zone | ||||
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Nil | Nil | Nil | 44,000,000 |
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| Outpatient Benefits | Benefits up to | Benefits up to | Benefits up to | Benefits up to |
| Physicians fees, Prescription Drugs and Dressings Specialist and Consultant Fees Diagnostic tests, medical scanning and imagery services | 220,000 | 440,000 | 660,000 | 660,000 |
Optical Care
|
Nil | Nil | Nil | 220,000 |
| Dental Care Benefits | Benefits up to | Benefits up to | Benefits up to | Benefits up to |
| Dental Treatment Dental Surgery | Nil | Nil | Nil | 220,000 |
| Personal Accident Benefits | Benefits up to | Benefits up to | Benefits up to | Benefits up to |
| Accidental Death Loss of Sight or Loss of Limb Permanent Total Disablement | 11,000,000 | 11,000,000 | 11,000,000 | 11,000,000 |
Health Bonus
Up to 10% of renewal premium from the first renewal year onward if no claim is made in the previous year
| Renewal Period | First Year | Second Year Onward |
| Health Bonus % | 10% | 5% |
Medical and Hospital
Outpatient
Dental Care
Personal Accident
You will need a completed proposal form, a medical checkup record, and identification documents (NRC for individuals, or Company Registration and Dominant Shareholder Information for companies).
Yes, a medical examination is required. Your application and medical necessity will be assessed based on the health declaration you provide.
The policyholder is responsible for paying all ineligible expenses upon discharge.
The waiting period for maternity cover is 10 months. We will only pay up to the Policy Limits for maternity care if the expected delivery date is at least 10 months after the initial Date of Entry into the policy.
The Health Bonus is a premium discount of up to 10% for the first renewal year and 5% for subsequent years. This bonus is granted if no claims were made by the participant in the previous policy year, subject to our internal risk assessment guidelines.
Eligible individuals and companies may apply, subject to underwriting requirements.
A completed proposal form, medical checkup record, and identification documents are required. Individuals must provide a copy of their NRC, while companies must provide Company Registration and Dominant Shareholder Information.
Yes. Minimum and maximum entry ages vary depending on the selected plan.
Yes. Eligible dependents may be included, subject to policy terms and underwriting requirements.
A medical examination may be required based on the health information provided during the application process.
Accurate medical information enables appropriate underwriting and claim assessment.
Incomplete or inaccurate information may affect coverage, claims assessment, or policy validity.
Benefits vary by plan and are subject to the terms, conditions, limits, and exclusions of the policy.
Coverage for pre-existing conditions is subject to policy terms, waiting periods, and exclusions.
OPD coverage is available only if included in the selected plan.
Yes. Emergency treatment is covered in accordance with the policy terms and benefit limits.
Specialist consultation coverage depends on the benefits included in the selected plan.
Maternity benefits are subject to a 10-month waiting period from the participant’s initial Date of Entry into the policy.
Yes. Certain benefits and medical conditions may be subject to waiting periods as specified in the policy wording.
Present your insurance card or policy details upon admission and follow the hospital’s admission procedures.
Yes. Cashless hospitalization may be available at selected panel hospitals, subject to prior authorization and policy coverage.
The policyholder is responsible for all expenses not covered under the policy.
Eligible expenses may be reimbursed in accordance with the policy terms and claims procedures.
Claims can be made through our designated claims channels by submitting the required supporting documents.
A completed claim form, medical reports, discharge summary, invoices, receipts, and other supporting documents may be required.
There are two types of claim settlement: Cashless (LOG) and Reimbursement.
LOG (Letter of Guarantee) is an approval issued by the insurer to the hospital, confirming direct payment for eligible medical expenses under the policy.
LOG should be requested before or during hospitalization, especially for planned admissions. In emergencies, the insurer/TPA should be informed as soon as possible.
A reimbursement claim is when the insured pays medical expenses first and later requests repayment from the insurer for eligible costs.
Reimbursement is used when LOG is not available, such as treatment at non-panel hospitals or emergency situations without prior approval.
Original medical bills, receipts, discharge summary, medical reports, claim form, and any other supporting documents.
Approved claim amounts will be paid according to the insurer’s payment method after verification and approval.
Yes. Claims must be submitted within the time period specified in the policy terms.
Premiums are determined based on factors such as age, coverage level, medical history, and underwriting assessment.
Failure to pay premiums within the specified period may result in suspension or termination of coverage.
Yes. Policies may be renewed annually, subject to policy terms and premium payment requirements.
Eligible participants may receive a renewal premium discount if no claims were made during the previous policy year, subject to underwriting assessment.
Renewal premiums may be adjusted based on applicable factors, including age, claims experience, and underwriting assessment.
Changes may be permitted, subject to policy terms and underwriting requirements.
Yes. Policy cancellation is subject to the applicable terms and conditions of the policy.
Expenses specifically excluded under the policy terms and conditions are not covered.
The complete policy wording, schedule, benefits, limits, and exclusions are provided upon enrollment.
Daw Thazin Aung
Non-Executive Director
Daw Thazin Aung is a Non-Executive Director of AYA SOMPO Insurance, a joint venture company between AYA Myanmar Insurance and Sompo Japan Insurance Inc., and a member of AYA Financial Group.
Daw Thazin Aung presently holds the position of Chief Executive Officer of AYA Bank PCL. In her capacity with AYA Bank PCL, she takes charge of business development management and making strategic decisions to ensure the Institution’s sustainable and profitable growth.
In addition to her role as Chief Executive Officer, she also holds several positions within AYA Financial Group. With AFG, she takes charge of AYA Trust Securities Co., Ltd. as the Managing Director for Capital Market Activities including securities brokerage and Corporate Finance Transactions. From her capacity with Corporate Finance activities, she oversees and monitors diversified investment portfolios that include existing, on-going, and new business ventures of Chairman’s investment office as well as new Mergers and Acquisitions, Joint Ventures with Potential Partners for AYA Financial Group’s entities and/or investment in new ventures. She holds a master’s degree in business administration (Corporate Finance) from Nottingham Trent University. Before joining AYA Financial Group, she was a PwC Advisory Partner and local Lead Director/Partner for PwC Myanmar. She has over 16 years of professional experiences including 11.5 years with PwC Singapore and PwC Myanmar for audit, financial advisory and consulting and 5 years in the Maritime service industry in Myanmar.
Mr. Taichi Yamamoto
Director
Mr. Taichi Yamamoto is a Board of Director at AYA SOMPO Insurance. Mr. Taichi Yamamoto has held various senior management positions both in Japan and overseas, including as a Director, Senior Vice-President for Business Operations and Chief Risk Officer at PGA Sompo Insurance Corporation (Manila), and a Managerial position at Sompo Japan Insurance (Singapore) Pte Ltd. He has a vast experience in insurance business and has been with the Sompo Group since 1997.
Mr. Taichi Yamamoto is currently managing SOMPO P&C Office at Sompo Holdings, Inc. (Tokyo) since June 2025. He holds a Bachelor of Economics from Tokyo University, Japan, and Master of Business Administration (MBA) from Hitotsubashi University, Japan.
U Myo Min Thu
Chief Executive Officer
U Myo Min Thu is the Chief Executive Officer of AYA SOMPO Insurance, a leading general insurer in Myanmar, and a joint-venture between AYA Myanmar Insurance and Sompo Japan Insurance Inc. Since 2019, he has led the company’s strategic growth and transformation, strengthening its market leadership through digital innovation, operational excellence, and customer-focused solutions. With over 15 years of leadership experience across the insurance, banking, and aviation sectors, he brings a strong track record of building and scaling businesses in emerging markets.
Under his leadership, AYA SOMPO Insurance has strengthened its position as a market leader, with a focus on digital innovation, operational excellence, and customer-centric insurance solutions that expand access to insurance services across the country.
Prior to his current role, U Myo Min Thu had held management positions in Singapore and overseas, where he developed deep expertise in managing teams from different cultural backgrounds, focusing on commercial strategy, operations, and organizational transformation. He brings to the country his wealth of knowledge, international exposure, and experience. He holds a bachelor’s degree in Banking and Finance from the London School of Economics and an MBA from Edinburgh Business School (Heriot-Watt University). Passionate about advancing inclusive financial services, he is committed to shaping the future of Myanmar’s insurance industry by building resilient, digitally enabled organizations.
U Than Zaw
Vice Chairman
U Than Zaw is the Vice Chairman of AYA SOMPO Insurance, a joint venture company between AYA Myanmar Insurance and Sompo Japan Insurance Inc., and a member of AYA Financial Group.
U Than Zaw played a pivotal role in establishing AYA Myanmar Insurance (AMI) as the Managing Director when the market liberalized for private insurers in 2013. He was appointed as the Managing Director to AYA Bank from 2011 to 2013 and presently holds the position of Vice Chairman at AYA Bank PCL. During his tenure, he has led the emerging bank in expanding its brand presence and branch network across Myanmar.
U Than Zaw’s extensive experience includes eight years as Treasurer of the Myanmar Olympic Committee and two years as Chief Executive Officer of the Myanmar Football Federation. He has been instrumental in strengthening systems and procedures through proactive initiatives and continues to provide Board-level guidance on policies and practices to ensure the company remains fully compliant with stipulated laws and regulations.
U Zaw Zaw
Chairman
U Zaw Zaw is the Chairman of AYA SOMPO Insurance, a joint venture company between AYA Myanmar Insurance and Sompo Japan Insurance Inc., and a member of AYA Financial Group.
U Zaw Zaw is an established and well-connected entrepreneur and business leader in Myanmar, with over 30 years of management experience. With a combination of overseas experiences and personal strengths, U Zaw Zaw founded Max Myanmar Company in 1993 and AYA Bank in 2010. His achievements include steering the management and growth of AYA Financial Group and Max Myanmar Group of Companies, major conglomerates in Myanmar. He is also the Founder and Chairman of AYA Bank PCL, one of the country’s largest and leading banks in Myanmar.
He is currently serving as the President of the Myanmar Football Federation since 2005 and Senior Vice President of the Asian Football Confederation (AFC). He relentlessly provides both funding and effort for the development of football in Myanmar. As a firm believer of contributing to the society and helping the needy, he has supported various philanthropic causes through the Ayeyarwady Foundation, including the Yankin Children Hospital, Ayeyarwady Covid-19 Center, and a wide range of corporate social responsibility initiatives nationwide.
