Key Benefits
Upfront premium discount of up to 10%*
Receive upfront premium discounts from integrated products when the new policy is approved
Renewal premium discount of up to 25%
Follows AIA Vitality status premium discount in renewal years maximum up to 15% for medical riders and daily compensation riders, or a maximum of up to 25% for Critical illness riders
Access to various benefits and discounts from AIA Vitality partners
Comprehensive benefits for health lovers
Plus! with AIA Vitality Plus, enjoy active challenges
Receive more benefits linked to your Vitality status.
Additional Information
Benefits
Upfront premium discount
A customer will receive an upfront premium discount as stated in the table below. Also, with at least 3 integrated products in one insurance policy, the customer will receive an extra 5% upfront premium discount.
For more details about benefits for members, please visit www.aia.co.th/th/health-wellness/vitality
*Premium Paying Riders (PPR) refers to a rider attached to a policy which requires customers to pay premiums separate from a basic plan’s premium, and the rider is an insurance policy that has a renewable one-year rider term.
Notes
A customer will receive an upfront premium discount as stated in the table below. Also, with at least 3 integrated products in one insurance policy, the customer will receive an extra 5% upfront premium discount.
|
AIA Vitality Protection |
Insurance (Basic plan) |
Rider type 1 (Critical illness) |
Rider type 2 (Medical rand daily compensation) |
|
AIA Vitality integrated products (via Bangkok Bank) |
N/A |
AIA CI Plus AIA CI Care |
AIA HB Extra AIA H&S Extra (new standard) AIA Health Happy AIA Infinite Care (new standard) Health Saver Smart Health |
|
Minimum sum assured |
N/A |
300,000 baht and above |
Any plans |
|
Upfront premium discount |
N/A |
5% |
0% |
|
Extra upfront premium discount (Extra Bonus) New policy only |
N/A |
Additional 5% extra upfront premium discount for purchasing integrated Premium Paying Riders (PPR)* at least 3 riders in one insurance policy. |
|
|
Maximum status flexing premium discount (Renewal year) |
N/A |
25% |
15% |
For more details about benefits for members, please visit www.aia.co.th/th/health-wellness/vitality
*Premium Paying Riders (PPR) refers to a rider attached to a policy which requires customers to pay premiums separate from a basic plan’s premium, and the rider is an insurance policy that has a renewable one-year rider term.
Notes
- AIA Vitality Protection is AIA Vitality integrated PPR, by giving a chance for customers to select any integrated PPR for themselves, be more flexible, and receive an extra upfront premium discount (Extra Bonus) when the integrated PPR is approved, at least 3 riders in a one new insurance policy.
- AIA Vitality Integrated riders can be attached to any basic plan except for a basic plan that is not allowed to have rider attachment, which includes Be Together Smart Retirement and insurance plans with a less than 10 years coverage term.
- Upfront premium discount calculates from the standard premium rate of AIA Vitality integrated products that meets the minimum sum assured requirement.
- Maximum status flexing premium discount for AIA Vitality integrated PPR is 15% or 25% as specified in the table above.
Status flexing premium discount for a renewal year
Premium discounts for a renewal year is up to a maximum of 15% or 25% which depends on the insurance plan selected by customers and the customer’s AIA Vitality status.
For renewal year, premium discount rate will be calculated as a percentage reflecting AIA Vitality status.
Sample A policy with 4 attached riders which are AIA CI Care, AIA CI Plus, AIA Health Happy and AIA HB Extra.
Status: P = Platinum, G = Gold, S = Silver, B = Bronze
Scenario 1: Varied status every policy year
Scenario 2: Gold status every policy year
Scenario 3: Bronze every policy year
|
Status flexing premium discount rate |
= Latest discount rate + Flexing premium discount rate as per AIA Vitality status |
|
Status |
AIA Vitality points |
Flexing premium discount rate |
|
Bronze |
0 – 9,999 points |
-2% |
|
Silver |
10,000 – 19,999 points |
-1% |
|
Gold |
20,000 – 29,999 points |
+1% |
|
Platinum |
30,000 points |
+2% |
For renewal year, premium discount rate will be calculated as a percentage reflecting AIA Vitality status.
Sample A policy with 4 attached riders which are AIA CI Care, AIA CI Plus, AIA Health Happy and AIA HB Extra.
Status: P = Platinum, G = Gold, S = Silver, B = Bronze
Scenario 1: Varied status every policy year
|
Beginning of policy year |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
|
Status |
B |
B |
S |
G |
P |
P |
G |
B |
B |
B |
S |
S |
|
AIA CI Care* |
10% |
8% |
7% |
8% |
10% |
12% |
13% |
11% |
9% |
7% |
6% |
5% |
|
AIA CI Plus* |
10% |
8% |
7% |
8% |
10% |
12% |
13% |
11% |
9% |
7% |
6% |
5% |
|
AIA Health Happy** |
5% |
3% |
2% |
3% |
5% |
7% |
8% |
6% |
4% |
2% |
1% |
0% |
|
AIA HB Extra** |
5% |
3% |
2% |
3% |
5% |
7% |
8% |
6% |
4% |
2% |
1% |
0% |
Scenario 2: Gold status every policy year
|
Beginning of policy year |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
8 |
9 |
10 |
11 |
12 |
|
Status |
B |
G |
G |
G |
G |
G |
G |
G |
G |
G |
G |
G |
|
AIA CI Care* |
10% |
11% |
12% |
13% |
14% |
15% |
16% |
17% |
18% |
19% |
20% |
21% |
|
AIA CI Plus* |
10% |
11% |
12% |
13% |
14% |
15% |
16% |
17% |
18% |
19% |
20% |
21% |
|
AIA Health Happy** |
5% |
6% |
7% |
8% |
9% |
10% |
11% |
12% |
13% |
14% |
15% |
15% |
|
AIA HB Extra** |
5% |
6% |
7% |
8% |
9% |
10% |
11% |
12% |
13% |
14% |
15% |
15% |
Scenario 3: Bronze every policy year
|
Beginning of policy year |
1 |
2 |
3 |
4 |
5 |
6 |
7 |
|
Status |
B |
B |
B |
B |
B |
B |
B |
|
AIA CI Care* |
10% |
8% |
6% |
4% |
2% |
0% |
0% |
|
AIA CI Plus* |
10% |
8% |
6% |
4% |
2% |
0% |
0% |
|
AIA Health Happy** |
5% |
3% |
1% |
0% |
0% |
0% |
0% |
|
AIA HB Extra** |
5% |
3% |
1% |
0% |
0% |
0% |
0% |
A 0% discount on premiums can happen because a member remains at bronze status every policy year. No premium discount is applied for the renewal year.
Notes
-
* Rider type 1 (Critical illness) Maximum status flexing premium discount is 25%
** Rider type 2 (Medical and daily compensation) Maximum status flexing premium discount is 15%
Requirements
- Eligible age to join AIA Vitality and AIA vitality Plus: 18 years old and above.
- How to join AIA Vitality: Purchase an integrated insurance plan. Underwriting rules follow regular criteria as dependant on the insurance plan that the Insured is applying for. Also, the Insured must provide a reachable mobile number and email address.
- How to join AIA Vitality Plus: AIA Vitality members can apply for AIA Vitality Plus by paying a premium 1,400 baht/ membership year via AIA+ application.
Type of AIA Vitality membership
There are 2 types of AIA Vitality membership
|
Type |
AIA Vitality membership |
AIA Vitality Plus membership |
|
Benefits |
|
|
|
Expense |
Free of charge |
Premium amount 1,400 baht per membership year |
|
Membership ended |
When all AIA Vitality integrated policies are terminated |
When there is no premium payment on renewal membership year |
AIA Vitality and AIA Vitality Plus benefits
Healthy activities assessment and AIA Vitality earn points to upgrade status table
Activities assessment
|
Healthy activities |
AIA Vitality points |
||
|
Points |
Conditions |
Per membership year |
|
|
1. AIA Vitality online assessment* |
500 points |
2 times per membership year, 6 months apart |
1,000 |
|
2. Exercise online assessment* |
500 points |
2 times per membership year, 6 months apart |
1,000 |
|
3. Stress online assessment* |
500 points |
2 times per membership year, 6 months apart |
1,000 |
|
4. Quit smoking declaration or non-smoking declaration* |
500 points |
2 times per membership year, 6 months apart |
1,000 |
|
5. Nutrition online assessment* |
500 points |
2 times per membership year, 6 months apart |
2,500 |
|
6. Face to face nutrition consultation with hospital certified Nutritionist |
1,000 points |
2 times per membership year, 6 months apart |
|
|
7. Sleeping quality online assessment* |
250 points |
2 times per membership year, 6 months apart |
500 |
|
8. Sleeping test by wearable devices which is able to sync with AIA+ application |
5 points |
Everyday |
1,830 |
|
9. Basic health check |
|||
|
9.1 Body Mass Index (and waist circumference) |
750 points for checking and additional 750 points if a result is within a normal range |
One time per membership year |
6,000 |
|
9.2 Blood pressure |
|||
|
9.3 Cholesterol level |
|||
|
9.4 Glucose level |
|||
|
10. Advance health check |
|||
|
10.1 HIV test |
1,000 points per each examination |
One time per membership year |
Maximum points depend on age and gender** |
|
10.2 Pap Smear for female age of 21 and above |
|||
|
10.3 Mammogram for female age of 40 and above |
|||
|
10.4 Stool examination for age of 45 and above |
|||
|
10.5 Prostate Specific Antigen for male age of 50 and above |
|||
|
Vaccination |
|||
|
11.1 Flu vaccination |
1,000 points per vaccination |
One time per membership year |
1,000 |
|
11.2 Hepatitis B vaccination |
One time per person |
1,000 |
|
|
11.3 HPV vaccination |
One time per person |
1,000 |
|
|
11.4 COVID 19 vaccination |
One time per membership year |
1,000 |
|
|
12. Dental check |
1,000 points |
One time per membership year |
1,000 |
|
13. Eye check |
500 points |
One time per membership year |
500 |
|
14. Blood donation |
100 points |
2 times per membership year, 3 months apart |
200 |
|
15. AIA Vitality fitness assessment with partners |
750 points for assessment and additional 750 points if a result is within a normal range |
One time per membership year |
1,500 |
|
16. Achieve the recommended challenges i.e. exercise for 10 minutes for 3 times a week via the AIA+ application |
Depends on member’s profile |
Per time depends on a recommended challenge. For a challenge with 50 points, maximum at 500 points per membership year |
6,000 |
|
17. Exercises |
|||
|
17.1 Download information from wearable fitness device or exercise tracking application which can link and sync your exercise activities with the AIA+ Application, or |
50 or 100 points |
Everyday from the activity which has the highest points in each day and limit to only one activity per day |
15,000 |
|
17.2 Visit partners’ gym, or |
100 points |
||
|
17.3 Attend exercise class from partners, or |
50 points, maximum at 6,300 pints per membership year |
||
|
17.4 Fitness events i.e. marathon, biking, walking which has to submit an evidence to proof attendance** |
100 to 1,500 points depends on activity |
||
|
18. Spending on healthy food (i.e. vegetable, fresh fruits and low-fat pasteurised milk) from partners** |
1 point per every spending 5 baht (maximum 400 points per month and spending limit to 2,000 baht per month) |
Per time depends on a spending |
4,800 |
|
19. Special activities related to AIA Vitality i.e. activities to encourage participation such as, online health questionnaires, sleeping seminars, stress management seminars etc. |
5 - 100 points |
Per activity depends on company specified |
500 |
* Online assessment via AIA+ application.
** More information, refers to AIA+ application.
How to apply
Get consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, or call 1333. AIA Company Limited Tel. 0 2353 8855, Website www.aia.co.th
AIA Vitality integrated riders
|
Rider type 1 (Critical illness) |
Rider type 2 (Medical and daily compensation) |
|
AIA CI Plus 44 critical illnesses/ treatments coverage and death coverage |
AIA Infinite Care (new standard) High coverage, worldwide coverage and comprehensive treatment (Depends on the chosen coverage area) |
|
AIA CI Care Covering early stage to intermediate stage 18 critical illnesses/ treatments and severe stage 44 critical illnesses/ treatments |
AIA Health Happy As charged benefits*, when diagnose with critical illness, benefit will be doubled and consecutive for 4 policy years** |
|
AIA H&S Extra (new standard) IPD, OPD and special cash back benefit |
|
|
AIA HB Extra Daily hospitalization benefit |
|
|
Health Saver Safe zone for health lovers, reachable, as charged benefits*** Reachable premiums, as charged benefits, covers OPD, IPD and critical illnesses**** |
|
|
Smart Health As charged for medical expenses*, selectable coverage plan and deductible coverage |
*Medical expenses are paid as charged for some selected items and must not exceed the limit.
**According to the definition of critical illness under the coverage of critical illness benefit endorsement of AIA Health Happy rider and when the Insured is diagnosed with 6 critical illnesses under the critical illness definition of AIA Health Happy rider. The Company shall increase the maximum benefit per policy year to double that of the sum assured in the policy year during which the Insured receives treatment for a critical illness and for the next 3 consecutive policy years.
***As charged benefits are only for some items. When combining groups 3 – 6 and 12, the maximum benefits coverage must not exceed the limit amount per confinement / When combining groups 9 – 11, the maximum benefits coverage must not exceed the limit amount per policy year. Please study additional details from the benefits table.
****6 conditions of critical illness are Acute Heart Attack, Major Stroke, Coronary Artery By-pass Surgery, Invasive Cancer, Major Organs Transplantation or Bone Marrow Transplantation, and Surgery to Aorta. Please study for more details about AIA Vitality integrated riders at www.bangkokbank.com/Riders
Assured by AIA Company Limited
Notes
- Be Together Smart Retirement is the marketing name for AIA Annuity 85 (Tax deductible)
- Health Saver rider is the marketing name for AIA Health Saver rider
- The Company reserves the right to change the premium during a policy year due to various factors including age, occupation and the Company’s claim experiences.
- AIA Company Limited reserves the right to change any of the healthy activities and/or AIA Vitality points which will inform the Insured in advance. The Insured can check more details from AIA+ application.
- Life insurance is not a bank deposit. If you terminate your policy early, you may receive returns less than the paid premiums, subject to the time of policy termination.
- The applicant is advised to study details of product information in the prospectus before deciding to buy insurance. After receiving the policy, the Insured is advised to study the terms and conditions in the policy contract.
- Bangkok Bank is a life insurance broker, acting as an agent between customers and AIA Company Limited. AIA Company Limited conditions apply to insurance approval.
- A health declaration is one of the factors considered in the policy approval or payout approval process.
- A health check-up is under AIA Company Limited conditions.
- The applicant has the duty to provide true information in applying for insurance. Any calment of truth or declaration of false statements may cause the insurance company to cancel the insurance contract or refuse to pay the claims under the insurance contract.
- Terms and conditions of coverage will be specified in the policy issued to the policyholder.
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