Key Benefits
Lump sum when diagnosed with any of 5 critical illnesses
Every stage of Cancer , Major Stroke, Acute Heart Attack Coma, Chronic Kidney Failure
Get more! Daily Hospitalization Benefit
In case of inpatient hospitalization due to critical illness
Fixed premium
Receive 50% of final year premium if no claim filed
Easy to apply
Via mobile banking from Bangkok Bank
Additional Information
Coverage and Benefits
|
Benefit / Coverage |
Plan 1 |
Plan 2 |
Plan 3 |
|
Critical illnesses coverage
|
500,000baht |
750,000baht |
1,000,000baht |
|
Receive 40% of the sum assured |
||
|
Receive 100% of the sum assured less any early-to-intermediate stage critical illness benefits that the Insured received previously |
||
|
50,000 baht |
||
|
Hospital daily allowance – inpatient hospitalization due to critical illnesses (maximum 365 days per life until coverage period) |
1,000baht / Day |
1,500baht / Day |
2,000baht / Day |
|
No claim benefit (4) |
50% of final year premium |
||
|
Benefit exemption if diagnosed with critical illnesses (5) |
Premium waived upon first diagnosis of a critical illness by a medical practitioner while being alive |
||
Notes
(1) Coverage of Critical illnesses early to intermediate stage i.e. Non-Invasive Cancer / Carcinoma in Situ).
(2) Coverage of Severe Stage Critical illnesses under this rider i.e. Invasive Cancer, Acute Heart Attack, Major Stroke, Coma and Chronic Kidney Failure.
(3) In case of death, the Company will pay according to sum assured stated in the policy table or endorsement (if any) to the beneficiary and the policy will become ineffective immediately.
(4) If the policy has not been lapsed or cancelled during the policy year and the Insured or the beneficiary (depending on the details of the case) does not file a clam or receive a claim while the policy is in-force until maturity the Company will pay a 50% benefit of the received final year premium to the Insured or the beneficiary at the maturity date. If the Company has paid no claim benefit to the Insured but the Insured files a claim under benefits (1) and/or (2) and/or (3) afterwards, the Company will pay benefits under (1) and/or (2) and/or (3) less no claim benefit and other liabilities (if any) to the Insured or the beneficiary (depend on case).
(5) The first premium to be waived is the premium due after the Insured is first Diagnosed and/or confirmed by a medical practitioner, during the time when the Insured is alive, that the Insured has any of the critical illnesses according to notes (1) and (2) and policy will remain in effect.
Waiting period for critical illness coverage and hospital daily allowance for inpatient hospitalization due to critical illness
Critical illness coverage and hospital daily allowance for inpatient hospitalization due to critical illness will NOT be applied if illness or disorder confirmed by doctor and with clear evidence that it is related to critical illness under this policy condition that occurs 90 days before the effective date of this contract or latest effective contract renewal date whichever date occurs after.
Some exceptions for critical illness coverage and hospital daily allowance for inpatient hospitalization due to critical illness
- Other illnesses that are not included in the critical illness definition in this policy.
- Disorders confirmed by doctor and with clear evidence that it is related to critical illness, or critical illness that exists before the effective date of this contract or before contract renewal date whichever occurs after. Except the Insured declares to the Company and the Company accepts the risk without exception of such coverage.
- Suicide, self-inflicted injury or an attempt to take such actions.
- Inhale, eat, drink, inject or induce poisonous substances into the body while being conscious or mentally ill or not.
- The Insured refuses medical treatments, advice or follow doctor’s instructions. Injury, inflicted by the Insured while under the influence of alcohol, addictive substance or drug
Requirements and conditions
- Insurable age: 20 - 60 years
- Coverage period: 5 years
- Premium payment period: 5 years
- Coverage 3 plans (500,000/750,000/1,000,000)
- (Maximum sum assured 1,000,000 baht per life (including in-force BT Smart Care policy))
- Payment mode: Annually / Monthly
Annual Premium Rate
Standard annual insurance premium for 20-60 year of age (depending on gender, age, payment mode and insurance plan)
Example of annual premium rate
|
Sex / Age |
Premium per year (baht) |
||
|
Plan 1 |
Plan 2 |
Plan 3 |
|
|
Male /25years |
1,425 |
1,875 |
2,150 |
|
Female /25years |
1,650 |
2,250 |
2,790 |
|
Male /30years |
1,750 |
2,250 |
2,800 |
|
Female /30years |
2,400 |
3,150 |
4,050 |
|
Male /35years |
2,500 |
3,300 |
4,200 |
|
Female /35years |
3,500 |
4,875 |
6,150 |
|
Male /40years |
3,600 |
5,175 |
6,830 |
|
Female /40years |
4,700 |
6,750 |
8,700 |
|
Male /45years |
5,400 |
7,850 |
10,350 |
|
Female /45years |
6,000 |
8,800 |
11,650 |
Payment Method
- Deduction from Saving or current account
- Deduction from Credit card VISA / Master Card of Bangkok Bank registered with mobile banking
How to Apply
To apply for Be Together Smart Care via mobile banking, click “Apply” in below tab and select “Insurance” or contact Bangkok Bank branches or call 1333 or AIA Company Limited Tel. 0 2353 8855 Website www.aia.co.th
Assured by AIA Company Limited
Notes
- Be Together Smart Care is the marketing name of AIA Protect 5 critical illnesses (Non Par)
- An eligible portion of critical illness premium is tax-deductible up to 25,000 baht, according to the Notification of the Director-General of the Revenue Department on Income Tax (No. 383). When combined with life insurance premiums this must not exceed 100,000 baht in total.
- 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 the details and product information in the sales material 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.
- The English version is unofficial translation of the original Thai version for reference only and has no legal binding as the protective control.
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