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Key Benefits

Receive worldwide coverage for medical fees1

Inpatient benefits (IPD), Outpatient benefits (OPD) and emergency benefit

Possible to choose a coverage plan

Maximum benefit up to 120 million baht (per policy year)

Possible to select a lower premium2

When selecting deductible plan, premium amount is lower up to 50% (Rider premium only)

Tax Deductible3

Life insurance and health insurance premiums are
tax-deductible, in line with Revenue Department conditions

Notes

Be Together Infinite Health (2021) is the marketing name of AIA Term 85 (Non Par) combined with AIA Infinite Care (New Standard) Rider.

1Worldwide coverage plan only

2When selecting a coverage plan with deductible 300,000 baht per policy year depending on gender and age of the Insured

3The basic premium is tax-deductible up to 100,000 baht, according to the Notification of the Director-General of the Revenue Department on Income Tax (No. 172). Health insurance premiums according to the Notification of the Director-General of the Revenue Department on Income Tax (No. 383) is tax-deductible up to 25,000 baht. When combined with life insurance premiums this must not exceed 100,000 baht in total.

Additional Information

Coverage and Benefits

Benefits

Plan 1

Plan 2

AIA Term 85 (Non Par)

Death benefit

200,000 baht

200,000 baht

AIA Infinite Care (New Standard) Rider

Maximum benefits per policy year

60 million baht

120 million baht

1. Inpatient benefits

Group 1

Hospital daily room & board, food and hospital service charges (inpatient) per confinement

In the event of ICU, such benefit will include hospital daily room & Board, food and hospital service charges (inpatient) as charged, not exceeding 365 days.

12,000 baht per day

25,000 baht per day

Maximum benefit must not exceed 365 days per confinement (Combined with ICU)

Group 2

Fees for medical services, diagnosis, treatment, blood service, nurse services, medicine, intravenous nutrition and medical supplies, per policy year

2.1

Medical service fees for diagnosis

As charged

As charged

2.2

Treatment medical services, blood services and nursing services

2.3

Medicine, intravenous nutrition and medical supplies

2.4

Medicine and medical supplies (Medical Supply 1) for take-home needs (not exceeding 30 days)

Group 3

Fees for medical professional services (physician), examination, physical services per confinement, not exceeding 365 days

As charged

As charged

Group 4

Fees for surgery and procedures per policy year

4.1

Operating or medical procedure room

As charged

As charged

4.2

Medicine, intravenous nutrition and medical supplies and surgical devices

4.3

Medical professional services, physician (and assistant) fees for surgery & procedure

4.4

Physician fees - Anesthesiology

4.5

Medical expenses for organ transplantation

Group 5

Day Surgery4

As charged

As charged

2. Outpatient benefits

Group 6

Fees for diagnosis directly related to before and after in-patient treatment (before and after), or follow up OPD treatment directly related to issues after discharge per policy year

6.1

Fees for diagnosis directly related to in-patient treatment within 30 days before and after admission

As charged

As charged

6.2

Fees for OPD treatment after discharge (per admission) for follow up treatment within 30 days after admission (excluding fees for diagnosis)

Group 7

Fees for OPD treatment of injury within 24 hours of each accident

As charged

As charged

Group 8

Rehabilitation fees after admission per policy year (not exceeding 15 times) (Combined with additional benefit, OPD general benefit)

40,000 baht per policy year (Combined with OPD general benefit)

100,000 baht per policy year (Combined with OPD general benefit)

Group 9

Medical service fees for chronic kidney failure treatment by hemodialysis per policy year

As charged

As charged

Group 10

Medical services fee for tumor or cancer treatment by radiation therapy, interventional radiology, nuclear medicine, per policy year

Group 11

Medical services fee for cancer treatment by chemotherapy per policy year

Group 12

Emergency ambulance fees

Group 13

Minor surgery5

Additional benefits

1. Orthosis or durable medical equipment which are necessary during injury, sickness or prosthetics per policy year

100,000 baht

200,000 baht

2. Outpatient benefits
- Fees for OPD treatment directly related to before admission within 30 days (excluding fees for diagnosis)
- Fees for follow up OPD treatment of injury within 30 days per accident
- Dental care due to accident

As charged

As charged

3. OPD general benefit per policy year (Combined with benefit of Group 8)

40,000 baht

100,000 baht

4. Extra benefits
- Health screening per policy year
- Vaccination per policy year
- Dental care per policy year

Not covered

 
10,000 baht
6,000 baht
15,000 baht

5. Death benefit

10,000 baht

10,000 baht

Benefits under Group 1-13 plus additional benefits in aggregation, except death benefit, must not exceed the maximum benefits per policy year.

Coverage Plan of your Selection
  • First dollar plan per policy year
  • Deductible plan6 100,000 baht per policy year
  • Deductible plan6 300,000 baht per policy year

Coverage Area of your Selection
  • Worldwide
  • Worldwide excluding the United States and the Minor Outlying Islands

Notes

4Day surgery refers to a major surgery, a surgical procedure performed instead of a major surgery, or the use of specialized treatment equipment that can replace a major surgery, that does not require an overnight hospital stay.

5Minor surgery refers to a surgical procedure at the level of cutaneous or subcutaneous or epithelial tissue by applying local/topical anesthesia.

6Deductible per policy year refers to the initial part of a loss that the Insured must be responsible for according to the insurance contract.
  • Benefit in Group 8 is extended to physical therapy and occupational therapy, rehabilitation, physical therapy service fees, occupational therapy service fees, rehabilitation physician fees or physiotherapist, equipment and medical supplies for OPD treatment in the hospital except for nursing fees and clinical psychology.
  • Death benefit will be paid while the rider with attached endorsement is effective.
  • The Company shall pay the benefits not exceeding maximum benefits per policy year except for death benefit.
Benefits of AIA Term 85 (Non Par)
The Company shall pay death benefit up to the highest amount among the following:

  1. Sum assured as indicated in policy or endorsement (if any)
  2. Cash surrender value
  3. Total paid premium amount that Company has received

    In addition, in the case that the sum assured amount is reduced while the policy is in force, the total premium will be decreased proportionately to the reduced sum assured.

Important Conditions of AIA Term 85 (Non Par)

The Company will not cover the following cases:

  1. In case the Insured voids the contract, does not reveal the truth or declares a false statement. However, the Company will not dispute or object to the invalidity of the contract if the Insured is alive for 2 years or more from the contract’s effective date or the latest reinstatement date or the date on which the Company approves the additional sum assured only for an increased portion.
  2. The Insured committing suicide within one year from the policy effective date or the latest reinstatement date or the date on which the Company approves the additional sum assured only for an increased portion, or is murdered by the beneficiary.
  3. The Insured has inaccurately declared their age, and the Company has found out that the actual age is out of the age range on premium rates that the Company is currently using.
Requirements
  • Insurable age: 18-75 years old 
  • Coverage period: Until the age of 85 or until insurance basic plan is terminated
  • Premium payment period: Until the age of 85 or until insurance basic plan is terminated
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
  • Number of coverage plan: Maximum 1 plan per the Insured
Waiting Period
The Company shall not pay any benefits under the following circumstances:

  1. Any illnesses occurring within 30 days following the date on which this rider is issued or reinstated, whichever is later or
  2. Any of the following illnesses occurring within 120 days following the date on which this rider is issued or reinstated, whichever is later:
    • Tumors, Cysts or all types of Cancer
    • Hemorrhoid
    • All types of Hernia
    • Pterygium or Cataract
    • Tonsillectomy or Adenoidectomy
    • All types of Stones
    • Varicose Vein
    • Endometriosis

Waiting Period that applies to Extra Coverage of the 120 MB Plan

  1. Health screening occurring within one year from the effective date of this rider or the date on which the Company approves the additional benefits of this rider, whichever date is later or
  2. Vaccination and dental care occurring within 180 days from the effective date of this rider or the date on which the Company approves the additional benefits of this rider, whichever date is later.

Additional Conditions of AIA Infinite Care (New Standard) 

AIA Infinite Care (New Standard) worldwide coverage except the United States and the Minor Outlying Islands will cover medical treatments that take place in the United States and the Minor Outlying Islands. The Company will provide coverage specifically according to the conditions stipulated in the benefits table as follows: 

  1. Physical injuries from accidents and/or
  2. Emergency illnesses in the United States and the Minor Outlying Islands in accordance with the definitions specified in this rider.

    Regarding the two emergency cases mentioned above, the first hospitalized date in the United States and the Minor Outlying Islands must fall within the first 90 days of entering the United States and the Minor Outlying Islands for each trip.  The Company will provide coverage for the necessary and appropriate expenses incurred from the medical treatments in accordance with the medical necessity and standards in the United States and the Minor Outlying Islands.

Pre-existing Conditions of AIA Infinite Care (New Standard)

The Company shall not pay any benefit under this rider for chronic disease, injury or illness (including any complication arising therefrom) that is not cured before the contract effective date except:

  1. If the Insured has informed the Company and the Company agreed to underwrite the risk without any exclusion or
  2. Chronic disease, injury or illness (including complication) has not shown any symptom and has never been examined or diagnosed by physician or the Insured has never visited or consulted with the physician within 5 years before this rider became effective for the first time and within 3 years after this rider became effective for the first time.

Some Exclusions of AIA Infinite Care (New Standard) Rider

  1. Conditions resulting from congenital disorders or incomplete organ forming system in the body, or genetic disorders or physical development abnormalities, unless this rider has been effective for one year or more and the symptom occurs after the Insured is fully 16 years old
  2. Pregnancy, miscarriage, abortion, delivering a child, complications of pregnancy, infertility issues (including investigation and treatment), sterilization or birth control except choriocarcinoma
  3. Visual sight check-ups, LASIK treatment, expenses on apparatus applicable for better visual sight or visual sight malfunction
  4. Treatment or rehabilitation on narcotics, cigarettes, alcoholic drinks or and substances affecting mental conditions
  5. Any treatments that are not modern western medicine including alternative medicine
Premium Rates
Standard insurance premium rates for the age of 18 to 75 years (depending on gender, age, payment mode and insurance plan)

Ages (years)

Annual Premium (baht) First Dollar Plan per policy year

Worldwide

Worldwide excluding the United States
and the Minor Outlying Islands

60 MB Plan

120 MB Plan

60 MB Plan

120 MB Plan

Female

Male

Female

Male

Female

Male

Female

Male

18-75

87,898-
563,822

76,468-
603,960

173,218-
1,074,362

145,348-
1,101,720

47,818-
328,802

44,428-
353,700

97,258-
577,082

82,048-
593,820


Ages (years)

Annual Premium (baht) Deductible 100,000-baht Plan per policy pear

Worldwide

Worldwide excluding the United States
and the Minor Outlying Islands

60 MB Plan

120 MB Plan

60 MB Plan

120 MB Plan

Female

Male

Female

Male

Female

Male

Female

Male

18-75

61,918- 463,802

54,148- 503,940

121,678- 974,342

102,388- 1,001,700

33,898- 234,662

31,708- 253,680

68,518- 477,062

58,048- 493,800


Ages (years)

Annual Premium (baht) Deductible 300,000-baht Plan per policy pear

Worldwide

Worldwide excluding the United States
and the Minor Outlying Islands

60 MB Plan

120 MB Plan

60 MB Plan

120 MB Plan

Female

Male

Female

Male

Female

Male

Female

Male

18-75

44,638- 289,442

39,268-
311,820

87,298-
774,362

73,708- 801,720

24,598- 171,932

23,248- 186,690

49,318- 296,072

42,058- 306,750

A rider is a one-year and renewable insurance contract. The Company reserves the right to adjust the premium rate during the policy year due to several factors such as age, occupation and claim payment experience, etc. Riders that cover medical expenses may include other factors such as medical inflation and medical expenses which must be approved by the Insurance Commissioner.
How to apply
Seek consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, or call 1333

AIA Company Limited Tel. (66) 0 2353 8855, Website www.aia.co.th
Assured by AIA Company Limited

Notes
  • Be Together Infinite Health (2021) is the marketing name of AIA Term 85 (Non Par) combined with (AIA Infinite Care (new standard) Rider.
  • If the premium is paid monthly, the first payment will include an advance payment of two months.
  • Life insurance premiums are tax-deductible from your personal income tax, subject to conditions of the Revenue Department.
  • 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 decision 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 concealment 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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