Key Benefits

Coverage of Worldwide Medical Expenses1

Inpatient (IPD), outpatient (OPD) and emergency

Choose from many Coverage Plan Options

Up to 120 million baht (per policy year)

Discount on Insurance Premiums2

Up to 50% (for Rider’s premium only) when you apply for deductible plans

Tax Deductible3

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

Notes

Be Together Infinite Health is the marketing name for AIA Term 85 (Non Par) attached with an AIA Infinite Care Rider.

1For worldwide coverage plan

2When applying for deductible plans: the deductible amount is up to 300,000 baht per policy year; however, the discount depends on the 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 paid after January 1, 2020 (if any) are also 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

Be Together Infinite Health

Plan 1

Plan 2

Basic life insurance (AIA Term 85 (Non Par))

- Death benefit

200,000 baht

200,000 baht

AIA Infinite Care Rider

Maximum benefit per policy year
(including benefit in 1, 2, 3, and 4)

60,000,000 baht

120,000,000 baht

1. Inpatient hospitalization

1.1 Hospital room and board per confinement

 

 

1.1.1 Hospital room and board (Maximum 365 days)

12,000 baht per day

25,000 baht per day

1.1.2 Intensive care (ICU or CCU) room and board (Maximum 365 days) not exceeding 365 days when combined with item 1.1.1

As charged

As charged

1.2 In-hospital consultation, physician service and specialist consultation benefit per day (Maximum 365 days per confinement)

As charged

As charged

1.3 Surgery fees (Surgeon fees, Anesthetist fees, and Operation theatre and operation equipment fees), including organ transplant surgery

As charged

As charged

1.4 Miscellaneous hospital expenses

As charged

As charged

1.5 Orthosis or durable medical equipment necessary to be used while injured or sick only or prosthetics

100,000 baht
per policy year

200,000 baht
per policy year

1.6 Take-home medicine not exceeding 30 days after dischargement per admission

As charged

As charged

2. Emergency benefits

2.1 Ambulance fee

As charged

As charged

2.2 Dental care due to accidents

As charged

As charged

2.3 24-hour accidental emergency outpatient treatment including continuous treatment within 30 days after injury per injury

As charged

As charged

3. Outpatient benefits

3.1 Outpatient visits

Items 3.1 and 3.2
combined not exceeding
40,000 baht 
per policy year

Items 3.1 and 3.2
combined not exceeding
100,000 baht
per policy year

3.2 Outpatient medical rehabilitation / physiotherapy (Maximum 15 visits per policy year)

3.3 Outpatient expenses within 30 days pre- or post- inpatient admission

As charged

As charged

3.4 Outpatient surgery

As charged

As charged

3.5 Outpatient treatment for kidney dialysis, chemotherapy (including targeted therapy) and/or radiotherapy

As charged

As charged

4. Extra benefits

4.1 Health check-up

Not applicable

10,000 baht
per policy year

4.2 Vaccination

Not applicable

6,000 baht
per policy year

4.3 Dental care

Not applicable

15,000 baht
per policy year

5. Compassionate death benefit

10,000 baht

10,000 baht

Coverage options

- First Dollar Plan

-

-

- Deductible Plan

100,000 baht

100,000 baht

- Deductible Plan

300,000 baht

300,000 baht

Coverage area options

Worldwide or Worldwide excluding the United States and the minor outlying islands


Notes
  • The deductible refers to the amount of medical expenses the Insured has to pay by themselves during a policy year as specified in the benefit table, which includes the expenses paid under the Government’s medical benefit scheme (if any) and/or other insurance contracts (if any) apart from this Rider. The deductible will apply to the expenses of the covered healthcare services under this Rider or endorsement only (if any).
  • AIA Infinite Care Rider is a one-year insurance contract with a one-year premium payment. The Insured can renew the Rider within the coverage period of the basic life insurance plan to which the Rider is attached. Company conditions apply to insurance approval including the contract renewal at the end of policy year.
Benefits for AIA Term 85 (Non Par)
While policy is in force and has not been converted to an extended term, the Company will pay death benefits as follows, whichever is higher:

  1. The sum assured as specified in the policy or the endorsement note (if any)
  2. Surrender cash value
  3. Total premium paid of the base policy

In case of reduction of sum assured while the policy is in force, the premium will be reduced in proportion to the sum assured. If the Insured dies during the policy year, the Company will calculate premium based on the full policy year.
Benefits for Inpatient Treatment without Staying Overnight in Hospital (Day Case Benefits)
  1. Extracorporeal Shock Wave Lithotripsy (ESWL)
  2. Coronary Angiogram / Cardiac Catheterization
  3. Extra Capsular Cataract Extraction with Intra Ocular Lens
  4. All Types of Laparoscopic Surgery
  5. All Types of Endoscopy
  6. Sinus Operations
  7. Injection or Rubber Band Ligation
  8. Excision Breast Mass
  9. Bone Biopsy
  10. Tissue Biopsy
  11. Finger or Toe Amputation
  12. Manual Reduction
  13. Liver Puncture / Liver Aspiration
  14. Bone Marrow Aspiration
  15. Lumbar Puncture
  16. Thoracentesis / Pleuracentesis / Thoracic Aspiration / Thoracic Paracentesis
  17. Abdominal Paracentesis / Abdominal Tapping
  18. Curettage, Dilatation & Curettage, Fractional Curettage
  19. Colposcope, Loop Diathermy
  20. Marsupialization of Bartholin’s Cyst
  21. Gamma Knife Radiosurgery
Waiting Period
  1. Any illnesses occurring within 30 days following the date on which this contract is issued or reinstated, whichever is later.
  2. The following illnesses occurring within 120 days following the date on which this contract is issued or reinstated, whichever is later:
    • Hernia
    • Pterygium or Cataract
    • Tonsillectomy or Adenoidectomy
    • Endometriosis
    • All Types of Tumors, Cysts or Cancer
    • All Types of Stones
    • Varicose Vein
    • Hemorrhoid

  3. Waiting Period for Extra Benefit of 120 MB Plan

  4. Vaccination and dental care expenses occurring within 180 days following the date on which this contract is issued or reinstated, whichever is later.
  5. Health check-up expenses occurring within one year following the date on which this contract is issued or reinstated, whichever is later.

Additional Conditions for Health Insurance Rider Offering Worldwide Coverage except the United States and the Minor Outlying Islands

The health insurance rider will not provide coverage for medical treatments in the United States and the minor outlying islands.

In this respect, the Company will only provide coverage for medical treatments taking place in the United States and the minor outlying islands specifically according to the following conditions stipulated in the benefits:

  1. Physical injuries from accidents
  2. Emergency illnesses in the United States and the minor outlying islands in accordance with definitions specified in this rider

Regarding the emergency cases mentioned above, the first hospitalized date in the United States and the minor outlying islands must be 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 medical treatments in accordance with medical necessity and standards in the United States and the minor outlying islands. 

Emergency cases in the United States and the minor outlying islands refer to:

  1. Life-threatening emergency injury or illness that needs timely medical treatment to address the respiratory system, blood circulatory system or nervous system, otherwise it will result in the patient being at high risk of death or cause the emergency injury or illness to become more severe or lead to acute complications such as cardiac arrest, apnea, hypovolemia shock, continuous seizure or febrile convulsion, apathy, loss of consciousness, coronary artery disease requiring thrombolytic therapy, acute cerebrovascular disease requiring thrombolytic therapy, massive ongoing hemorrhage, etc.; OR
  2. Life-threatening acute injury or illness or severe pain that needs immediate medical attention, otherwise it will cause the injury or illness of the emergency patient to become more severe or lead to complications that may subsequently result in death or acquired amputation, such as, body temperature lower than 35 degrees Celsius or higher than 40 degrees Celsius, heart rate less than 40 beats per minute or more than 150 beats per minute, systolic blood pressure less than 90 millimeters of mercury (mm Hg) or diastolic blood pressure higher than 130 mm Hg, difficult or labored respiration particularly when accompanied by other clinical descriptions such as loss of consciousness, convulsion, paralysis, immediate blindness and deafness, massive ongoing hemorrhage, paleness or cyanosis, severe or excruciating pain, cold hands and feet, and cold sweats, etc., including multiple large wounds such as major multiple fractures, burns, back injury with or without spinal cord damage, etc.

Limitation of Deductible

The deductible refers to the amount of medical expenses the Insured will have to pay by themselves, which includes the expenses paid under the Government’s medical benefit scheme (if any) and/or other insurance contracts (if any) apart from this rider. The deductible shall apply to the expenses of the covered healthcare services under this rider or endorsement only. The Insured is required to provide evidence and explanation on the expenses to the Company.

Some Exclusions of AIA Infinite Care Rider 

  1. The Insured suffers from a chronic disease, illness, or any injury that is not treated before the contract’s effective date or, before the effective date of the latest reinstatement, whichever is later, or a congenital disease, a developmental problem or a genetic disorder.
  2. The Insured is under surgical or other treatment for the purposes of cosmetic, skincare, acne, melasma, freckle, dandruff, hair loss or weight loss, or an optional surgery; however, the cosmetic surgery to address wounds suffered from an accident under the policy contract will be covered.
  3. Pregnancy, miscarriage, abortion, child delivery, obstetric complications, solutions to infertility problems (including investigations and treatments), sterilization, and contraception.
  4. Other treatments besides conventional medicine including alternative medicine.
  5. Suicide, attempted suicide, self-harm, or attempted self-harm either by the Insured or by other people with consent of the Insured whether under insanity or not, including injuries caused by accidents after consuming or injecting toxic drugs or substances into the body, overdoses of prescription drugs.
     
Requirements
  • Insurable age: 18 - 75 years
  • Coverage period: Until the age of 85 or until the basic plan has expired
  • Premium payment period: Until the age of 85 or until the basic plan has expired
  • Underwriting rules: 1 rider per life
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
Premium Rates
Standard annual premium rates for the age of 18 - 75 (depending on gender, age, payment mode, and insurance plan, excluding increased premiums due to health conditions)

Age (years)

First Dollar Plan - Annual Premium (baht)

Worldwide Coverage

Worldwide coverage except the US
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



Age (years)

Deductible amount of 100,000 Baht Plan - Annual Premium (baht)

Worldwide Coverage

Worldwide coverage except the US
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



Age (years)

Deductible amount of 300,000 Baht Plan - Annual Premium (baht)

Worldwide Coverage

Worldwide coverage except the US
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, call 1333, or visit www.bangkokbank.com

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

Notes
  • Be Together Infinite Health is the marketing name for AIA Term 85 (Non Par) attached with AIA Infinite Care 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 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 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.