Key Benefits

Coverage

Life insurance and in-hospital benefits until the age of 80

Benefits

Receive benefits upon policy maturity at the age of 80

Fixed Premium Rate

Pay your premiums until the age of 60

Tax Deductible

Life insurance premiums are tax-deductible, subject to conditions of the Revenue Department*

*The basic premium is tax-deductible up to 100,000 baht, according to the Announcement of the Director-General of the Revenue Department Pursuant to Personal Income Tax collection (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

Protection and Benefits

Unit : Baht

Benefits

 

Plan 1

Plan 2

Plan 3

Plan 4

Plan 5

Plan 6

1. Death benefit1 or maturity benefit2

500,000

750,000

1,000,000

1,500,000

2,000,000

3,000,000

2. Additional death benefit

50,000

50,000

50,000

50,000

50,000

50,000

3. Inpatient hospitalization per day3

3.1 Hospital daily allowance – inpatient hospitalization (including day cases) maximum 365 days per confinement

1,000

1,500

2,000

3,000

4,000

6,000

3.2 Hospital daily allowance – (admitted in the ICU/CCU) maximum 30 days per confinement

2,000

3,000

4,000

6,000

8,000

12,000

Maximum hospital daily allowance under items 3.1 and 3.2 shall not exceed 365 days per confinement

3.3 IPD medication expenses per confinement (including day cases)

1,000

1,500

2,000

3,000

4,000

6,000

3.4 Maximum reimbursement for IPD surgery4 (for surgeon fees, anesthetist fees, operation theatre and operation equipment fees) per confinement. The actual amount will be paid but should not exceed the amount stated in the plan.

75,000

112,500

150,000

225,000

300,000

450,000


Notes
1 Death benefit equals to the sum assured deducted by the total amount of past medical claims paid (under item 3 in the above table) (if any).

2 Living benefit equals to the sum assured deducted by the total amount of past medical claims paid (under item 3 in the above table) (if any).

3 The Company will pay a benefit for the maximum hospital daily allowance not exceeding the sum assured deducted by the total amount of past medical claims paid (if any).

4 IPD surgery refers to any surgery that requires general anesthesia or spinal anesthesia performed by an anesthetist and patient must be admitted to stay overnight in the hospital.
Benefits for Inpatient Treatment without Staying Overnight in Hospital (Day Case Benefits)
With the evolution of advanced medical technology, a number of surgical or medical procedures used in the diagnosis and treatment of diseases can be performed without requiring the patient to be admitted in the hospital. The Company will pay a daily cash benefit for the following 18 day cases of surgical or medical procedures:

  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. Excision Breast Mass
  8. Bone Biopsy
  9. Amputation
  10. Liver Puncture / Liver Aspiration
  11. Bone Marrow Aspiration
  12. Lumbar Puncture
  13. Thoracentesis / Pleuracentesis / Thoracic Aspiration / Thoracic Paracentesis
  14. Abdominal Paracentesis / Abdominal Tapping
  15. Curettage, Dilatation & Curettage, Fractional Curettage
  16. Colposcope, Loop Diathermy
  17. Marsupialization of Bartholin’s Cyst
  18. Gamma Knife Radiosurgery
Requirements
  • Insurable age: 20-55 years old
  • Coverage period: Until the age of 80
  • Premium payment period: Until the age of 60
  • Sum assured: 6 plans available (500,000 baht / 750,000 baht / 1,000,000 baht / 1,500,000 baht / 2,000,000 baht / 3,000,000 baht)
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
Waiting Period
The Company shall not pay any benefits under the following circumstances:
  • Any illnesses occurring within 30 days following the date on which the contract is issued or reinstated, whichever is later.
  • 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, and Endometriosis.

Examples of Exclusions

The Company shall not cover any illnesses or circumstances in the following:

  1. The Insured committed suicide within one year, from the policy effective date or the latest reinstatement date, or is murdered by the beneficiary.
  2. 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.
  3. 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.
  4. The Insured receives vision-related treatment, or a LASIK procedure, or incurred expenses related to vision-aid or vision-correction equipment.
  5. Other treatments besides conventional medicine including alternative medicine.
Premium Rates
Standard insurance premium rates for the age range of 20 - 55 (depending on gender, age, payment mode and insurance plan)

Gender

Annual Premium (baht)

Plan 1

Plan 2

Plan 3

Plan 4

Plan 5

Plan 6

Female

7,210 -
75,030

10,815 -
112,545

14,420 -
150,060

21,630 -
225,090

28,840 -
300,120

43,260 -
450,180

Male

7,585 -
81,895

11,377.50 -
122,842.50

15,170 -
163,790

22,755 -
245,685

30,340 -
327,580

45,510 -
491,370

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 Health&Save is the marketing name for AIA Savings Plan (Protection until 80 years of age/payment until 60 years of age).
  • 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.
  • 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.