Key Benefits


Provide lifetime insurance coverage for critical illnesses (until the age of 99*)

Critical Illnesses Coverage

Cover early-stage and intermediate-stage critical illnesses for 18 diseases/treatments; and severe-stage critical illnesses for 44 diseases/ treatments


Choose premium payment period of 10 or 20 years. Constant premiums throughout the contract. Receive cash surrender value

Tax Deductible

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

*Critical illnesses covered until the age of 99 exclude:

  • Critical illnesses for juveniles from the age of 15 days to 16 including Rheumatic fever with heart conditions, Kawasaki disease with heart complications, Type I Diabetes (Insulin dependent), and Acquired Hydrocephalus requiring an external shunt
  • Alzheimer's disease and Parkinson’s diseases, until turning 80
  • Loss of independent living, from the age of 17 until turning 70
  • Total permanent disability:
    • Unable to perform independently 3 or more daily living activities and totally incapable of working or engaging in any work or any occupation whatsoever for remuneration or profit, covered from the age of 17 until turning 70
    • Loss of 2 limbs, covered from the age of 1 month until turning 70

Some of the key exclusions:

  • Symptoms or critical illnesses which occurred prior to the contract date or reinstatement date, whichever is later
  • Suicide or self-inflicted harm
  • HIV positive infections or conditions of AIDS
The Bank will provide you with more details before you apply for life insurance coverage.

**The 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



1. Critical illnesses coverage
    1.1 Early-to-intermediate stage

Receive 20% of the sum assured. This is payable for only one critical illness (only 1 time) and the policy is enforced if the insured continues making premium payments.

    1.2 Severe-stage or
2. Life coverage or
3. Maturity

Receive 100% of the sum assured less any early-stage critical illness benefits that the Insured received previously. The policy will be terminated immediately.

Total benefit is 100% of the sum assured.

The waiting period is 60 days during which this product will not cover any critical illnesses or related illnesses. Such a waiting period starts from the policy effective date or reinstatement date, whichever is later.

Critical Illnesses Coverage
  • Insurable age: 15 days - 65 years
  • Coverage period: Whole life (until the age of 99)
  • Premium payment period: 10 or 20 years
  • Sum assured: 200,000-15,000,000 baht (maximum of 5,000,000 baht for non-income groups i.e. juveniles, students, housewives, stay-at-home dads, retirees)
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
Premium Rates
Standard insurance premium rates per sum assured of 1,000 baht for the age of 15 days to 65 years (depending on gender, age and payment mode)

Premium Payment Period

Annual Premium (baht)



10 years

36.28 - 135.32

39.39 - 163.79

20 years

20.42 - 96.58

22.20 - 128.52

Discounts are applicable for a premium payment period of 10 years with a sum assured of one million baht or more, or for a premium payment period of 20 years with a sum assured of 500,000 baht or more. (Premium-rate discounts are based on the premium payment period and the sum assured.)
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
Assured by AIA Company Limited


  • Be Together Care is the marketing name for AIA CI SuperCare (non-participating).
  • 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.

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