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Key Benefits

Lump-Sum Benefit

Medical expenses are paid as charged1 up to 25 million baht2

Double Coverage

Double sum assured up to 50 million baht per policy year when diagnosed with critical illness3

Value for Money

Covers both IPD and OPD4.

Inclusive Benefits

Receive a privilege from Personal Medical Case Management (PMCM)5 worldwide specialists who provide medical advice service (for 15 MB and 25 MB Plans) and enjoy tax benefits6

Notes

1Medical expenses are paid as charged for some selected items and must not exceed the limit.

2Depends on coverage plan selection.

3According to the definition of critical illness under the coverage of critical illness benefit endorsement of AIA Health Happy rider and when the Insured is diagnosed with 6 critical illnesses under the critical illness definition of AIA Health Happy rider. The Company shall increase the maximum benefit per policy year to be double that of the sum assured in the policy year during which the Insured receives treatment for a critical illness and for the next 3 consecutive policy years.

4Refers to outpatient medical expenses in case the Insured visits the hospital as an out-patient at the Out-patient Department (OPD), which depends on coverage plan selection.

5Personal Medical Case Management: PMCM who provide medical advice service, taking care and support throughout a treatment journey. For you to receive a good and proper treatment. Anyhow, eligibility of a service is in accordance with conditions that AIA Group and a service provider have stipulated. The length of service can be adjustable. Please study for more details from www.aia.co.th

6Life insurance 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). An eligible portion of health insurance 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.

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Additional Information

Coverage and Benefits
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Death Benefit of AIA Term 85 (Non Par)
While the policy is in force and has not been converted to ETI according to the right of policy value as indicated in the policy, The Company shall pay death benefit up to the highest amount among the following:

  1. Sum assured as indicated in policy or endorsement (if any)
  2. Cash surrender value
  3. Total paid premium amount that the Company has received
In addition, in the case that the sum assured amount is reduced while the policy is in force, the total premium will be decreased proportionately to the reduced sum assured.

Important Conditions of AIA Term 85 (Non Par) Insurance Plan

The Company will not cover the following cases:

  1. In case the Insured voids the contract, does not reveal the truth or declares a false statement. However, the Company will not dispute or object to the invalidity of the contract if 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.
Important Conditions of AIA Health Happy Rider
Waiting Period of AIA Health Happy Rider

  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
  • All types of Hernia
  • Pterygium or Cataract
  • Endometriosis

Pre-existing Conditions of AIA Health Happy Rider

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 the contract effective date except:

  1. If the Insured has informed the Company and the Company agreed to underwrite the risk without any exclusion, or
  2. Chronic disease, injury or illness (including complication) 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.
Limitation of Coverage Place Liability under the Coverage
This rider provides coverage for medical treatment incurred in Thailand.

In case of the medical treatments that are taken place outside of Thailand’s territory, the Company will provide coverage specifically according to the benefits table as follows:

  1. Physical injuries from accidents
  2. Emergency illnesses in overseas in accordance with the definitions specified in this rider

    The first hospitalized date in overseas must fall within the first 90 days of travelling outside of Thailand’s territory for each trip. The Company will provide coverage for the necessary and appropriate expenses incurred from the medical treatments in accordance with the medical necessity and standards in each other countries.

Emergency illnesses in overseas refers to:

  1. Injury or sudden illness that is life-threatening, for which, if not received timely medical action to correct the respiratory system circulatory system or nervous system, patients have a high chance of dying. or exacerbate the injury or illness of an emergency patient or cause a sudden complication, such as "cardiac arrest", apnea, "shock" from severe blood loss, convulsions continually or convulsions until cyanosis, lethargy, unconsciousness, unconsciousness, severe chest pain from a blocked coronary artery that requires thrombolytic medication, immediate cerebrovascular symptoms that requires fibrinolytic drugs, heavy and persistent bleeding, etc.
  2. Injury or illness which is very acute or severe pain that may require urgent medical action. Otherwise, the injury or illness of the emergency patient will be severe or cause complications which can result in death or later disabilities, such as body temperature below 35 degrees Celsius or above 40 degrees Celsius, pulse slower than 40 or faster than 150 beats/minute, systolic blood pressure below 90 mmHg or diastolic greater than 130 mmHg, difficulty breathing or shortness of breath, especially if combined with other clinical features such as unconsciousness, convulsions, paralysis, blindness, sudden deafness, severe blood loss very pale or green, extreme pain or excruciating pain, hands and feet are cold and sweaty, etc., including accidents, especially very large and many wounds, such as major multiple fractures, burns, back injury with or without spinal cord damage, etc.
Some Exclusions of AIA Health Happy Rider
  1. 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.
  2. Pregnancy, miscarriage, abortion, delivering a child, complications of pregnancy, infertility issues (including investigation and treatment), sterilization or birth control except choriocarcinoma.
  3. Standard health examination, inpatient hospitalization request or surgery request, recovery after hospitalization whether for rehabilitation or resting or staying in hospital to get medical assistance, examination or treatment which is non-related to an illness which is a cause of hospitalization, injury or illness diagnosis, treatment or examination to investigate cause of disease which is not a medical necessity or does not meet medical standards.
  4. Any treatments that are not modern western medicine including alternative medicine.
  5. Suicide, attempted suicide, self-harm or attempted self-harm either inflicted by the Insured or by other people with consent of the Insured whether sane or insane, including injuries caused by accidents after consuming or injecting toxic drugs or substances into the body, or overdoses of prescription drugs.
Requirements
  • Insurable age: 11 - 75 years
  • Coverage period: Until the age of 85
  • Premium payment period: Until the age of 85
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
Premium Rates
Standard annual insurance premium for the age of 11 to 75 years old (depending on gender, age, payment mode and insurance plan)

Gender

Annual Premium (baht)

Plan 1

Plan 2

Plan 3

Plan 4

Female

15,556 - 103,262

19,356 - 122,562

22,756 - 170,762

29,056 - 217,062

Male

15,458 - 105,080

18,458 - 123,680

22,058 - 171,780

28,158 - 217,480


A rider is a one-year insurance contract that is renewable. To renew this rider, the Company reserves the right to change the Insuring Agreement, such as adding a Copayment condition according to the rate and criteria as specified in the rider contract and reserves the right to adjust the premium rate in a policy year due to various factors such as age, occupational class, historical claim payments of the Company, etc. For medical riders, there may be other factors such as higher medical expenses or historical claim payments of the portfolio. Such adjustment of premium rate is subject to approval of the Registrar.

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 www.aia.co.th
Assured by AIA Company Limited

Notes
  • Be Together Health Happy is the marketing name of AIA Term 85 (Non Par) combined with the AIA Health Happy 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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