Key Benefits


Life protection until the age of 80


Inpatient benefits (IPD) including day surgery1 and Outpatient benefits (OPD) with special cash back benefit2

Be confident

In the case of death benefit4 while the policy is enforced, receive 100% of the sum assured3

Tax Deductible5

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


Be Together Health (2021) is marketing name of AIA Term 80 (Non par) combined with AIA H&S Extra (New Standard) rider

1Day 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.

2The Insured will receive a special cash back benefit of AIA H&S Extra (New Standard). This is only in the case of no claims for inpatient and outpatient benefits, OPD general benefit or death benefit during the policy year (without discontinuation of renewal during the year), as well as the Insured paying the premium within the grace period. For monthly payment, the payments must be up to 3 consecutive months.

The Company shall pay the special cash back benefit within 90 days from each policy anniversary date.

3For death benefit (AIA Term 80 (Non Par)) while the policy is enforced, your beneficiary will receive 100% of the sum assured or the cash surrender value or the accumulated gross basic premium (includes sub-standard loading) which is calculated based on monthly payment from the policy effective year until the policy year that the Insured is deceased, whichever amount is greater.
4During the effective period of the AIA H&S Extra (New Standard) rider.

5The 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

Unit :Baht


Plan S

Plan M

Plan L

1. Death benefit (AIA Term 80 (Non Par))




2. AIA H&S Extra (New Standard) rider

2.1 Inpatient benefits

Group 1

Hospital daily room & board, food and hospital service charges (in-patient) per confinement

In the event of ICU, such benefit will include hospital daily room & board, food and hospital service charges (in-patient) being paid for at double the benefits in paragraph 1 for up to 30 days

2,500 per day

4,500 per day

6,500 per day

Maximum benefit must not exceed 125 days per confinement (Combined with ICU 30 days)

Group 2

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


Medical service fees for diagnosis





Treatment medical services, blood services and nursing services


Medicine, intravenous nutrition and medical supplies


Medicine and medical supplies (Medical Supply 1) for take-home needs

1,000 per admission
(Including benefit group 2.1 - 2.4 not exceeding the limit as specified in table 2.1 - 2.3 per confinement)

Group 3

Fees for medical professional services (physician), examination, physical services per confinement (not exceeding 125 days)

800 per day

1,000 per day

1,200 per day

Group 4

Fees for surgery and procedures per confinement


Operating or medical procedure room





Medicine, intravenous nutrition and medical supplies and surgical devices


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





Physician fees - Anesthesiology





Medical expenses for organ transplantation

Pay double of Group 4’s benefit

Group 5

Day surgery

Cover and receive same benefit as inpatient benefits

2.2 Outpatient benefits

Group 6

Fees for diagnosis directly related to inpatient treatment (before or after), or follow up OPD treatment directly related to issues after discharge per confinement


Fees for diagnosis directly related to inpatient treatment within 30 days before and after admission





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

Not covered

Group 7

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




Group 8

Rehabilitation fees after admission per policy year

Not covered

Group 9

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




Group 10

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

Group 11

Medical service fees for cancer treatment by chemotherapy per policy year

Group 12

Emergency ambulance fees (per admission)




Group 13

Minor surgery6 (per admission)




Additional benefits

OPD general benefit7




Special cash back benefit




Death benefit



6Minor surgery refers to a surgical procedure at the level of cutaneous or subcutaneous or epithelial tissue by applying local/topical anesthesia.

7Caused from an injury or an illness for each confinement. Paying for the actual amount but not exceeding benefits per policy year. As specified on the OPD general endorsement of AIA H&S Extra (New Standard).
  • Insurable age: 15 days - 70 years old
  • Coverage period: Until the age of 80
  • Premium payment period: Until the age of 80
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
  • Sum assured


    Sum Assured Per Person

    Basic plan
    AIA Term 80 (Non Par)

    200,000 baht

    AIA H&S Extra (New Standard)
    (subject to the Company’s discretion)

    Age 1 month - 5 years old: max 5,000 baht
    Age 6-70 years old: max 25,000 baht

Important Conditions of AIA Term 80 (Non Par)

The Company will not cover

  1. In case the Insured voids the contract, does not reveal the truth or declares a false statement. Under these circumstances, the Company will not dispute or object to contract cancellation when the policy is effective during 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.
Waiting Period of AIA H&S Extra (New Standard) Rider
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:
    • All types of Hernia
    • Pterygium or Cataract
    • Tonsillectomy or Adenoidectomy
    •  Endometriosis
  3. Pre-existing conditions
    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 contract effective date except:
    • If the Insured has informed the Company and the Company agreed to underwrite the risk without any exclusion or
    • Chronic disease, injury or illness (including complications) 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 H&S Extra (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 1 month to 70 years (depending on gender, age, payment mode and insurance plan)

Annual Premium (baht)









12,428 -

19,492 -

22,712 -

11,764 -

16,634 -

19,814 -

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.
Additional peace of mind with Riders attached
  • Medical coverage and daily compensation
  • Critical illnesses coverage
  • Accident coverage
  • Wavier of premium for payer benefit

Click here to view more details
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 Health (2021) is marketing name of AIA Term 80 (Non par) combined with AIA H&S Extra (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 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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