Key Benefits
Inclusive Protection
- Insurance plan for kids aged 15 days – 10 years, inclusive protection for life and health coverage, covers consecutively until the age of 85 years
- Medical expenses benefit maximum up to 25 million1 baht covers both IPD and OPD2
Double Coverage
- Double sum assured up to 50 million baht per policy year when diagnosed with critical illness3
- Ease of premium payment by having deductible plan4 10,000 baht or 30,000 baht per policy year
Value for Money
- Automatically convert coverage when the child fully reaches 11 years5 for first dollar plan and as charged coverage
- Receive a privilege from Personal Medical Case management (PMCM)6 Worldwide specialists who provide a medical advice service (for the 15-million-baht and 25-million-baht plans)
Tax Deductible
Tax-deductible, in line with Revenue Department conditions7
1 Depends on coverage plan selection.
2 Refers to out-patient 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.
3 Six conditions of Critical Illness are Acute heart attack, Major stroke, Coronary artery by-pass surgery, Invasive cancer, Major organs transplantation or Bone marrow transplantation, and Surgery to Aorta.
4 Deductible per policy year policy refers to the initial part of a loss that the Insured must be responsible for according to the insurance contract. Deductible amount will be counted in a portion of the Insured’s right under this rider, which is excluded Out-patient benefit endorsement (if any).
5 For the Insured who fully reaches 11 years and above at the day this rider is effective, or from anniversary date of the policy year after the Insured fully reaches 11 years and above.
6 Personal Medical Case Management: PMCM provides a medical advice service, giving care and support throughout a treatment journey. For you to receive good, and proper treatment. The eligibility of a service is in accordance with conditions that AIA Group and a service provider have stipulated. The length of service can be adjusted. For more details visit www.aia.co.th
7Life 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.
Additional Information
Coverage and benefits
Death benefit of AIA Tern 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:
- Sum assured as indicated in policy or endorsement (if any)
- Cash surrender value
- 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:
- 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.
- 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.
- 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.
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:
The first hospitalized date 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 country. Emergency illnesses overseas refer to:
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:
- Physical injuries from accidents
- Emergency illnesses in overseas in accordance with the definitions specified in this rider
The first hospitalized date 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 country. Emergency illnesses overseas refer to:
- 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.
- 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.
Important conditions of AIA Health Happy For Kids rider
Waiting period of AIA Health Happy For Kids 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:
- Any illnesses occurring within 30 days following the date on which this rider is issued or reinstated, whichever is later or
- 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
- Tonsillectomy or Adenoidectomy
- Pterygium or Cataract
- Endometriosis
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:
- 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 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.
Some exclusions of AIA Health Happy For Kids rider
This rider coverage does not cover an expense from a treatment or any damage that occurred from an injury or an illness (including complications) symptoms or abnormalities from
- 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.
- Pregnancy, miscarriage, abortion, delivering a child, complications of pregnancy, infertility issues (including investigation and treatment), sterilization or birth control except choriocarcinoma.
- Visual sight checkups, LASIK treatment, expenses on apparatus applicable for better visual sight or visual sight malfunction.
- Treatment or rehabilitation for narcotics, cigarettes, alcoholic drinks or substances affecting mental conditions.
- Any treatments that are not modern western medicine including alternative medicine.
Requirements and conditions
- Insurable age: 15 days -10 years
- Coverage period*: Until the age of 85
- Premium payment period*: Until the age of 85
- Payment mode: Annually / Semi-annually / Quarterly / Monthly
*AIA Health Happy For Kids has one-year coverage period and one-year premium payment period. The Insured can renew the contract by not exceeding the maximum coverage period of this rider. The Company’s conditions apply to insurance approval.
Premium rates
- Annual insurance premium for the age of 15 days to 10 years old (depending on gender, age, payment mode and insurance plan)
- Annual insurance premium for renewal years for the age of 11 to 85 years old (depending on gender, age, payment mode and insurance plan)
|
Gender |
Annual premium (baht) Deductible 10,000 baht plan per policy year |
|||
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
|
|
Female |
25,628 – 48,606 |
35,528 – 65,406 |
48,728 – 89,506 |
68,928 – 124,006 |
|
Male |
30,068 – 54,928 |
40,868 – 75,328 |
59,968 – 106,128 |
83,968 – 144,428 |
|
Gender |
Annual premium (baht) Deductible 30,000 baht plan per policy year |
|||
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
|
|
Female |
12,028 – 28,606 |
18,528 – 45,406 |
30,728 – 69,406 |
50,928 – 104,006 |
|
Male |
15,968 – 34,928 |
23,868 – 55,328 |
41,968 – 86,028 |
65,968 – 124,428 |
|
Gender |
Annual premium (baht) First dollar plan |
|||
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
|
|
Female |
15,556 – 197,762 |
19,356 - 238,462 |
22,756 - 340,562 |
29,056 - 437,762 |
|
Male |
15,458 - 197,480 |
18,458 - 236,780 |
22,058 - 337,980 |
28,158 - 434,380 |
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.
- Semi-annually = Annual premium rate x 0.51
- Quarterly = Annual premium rate x 0.27
- Monthly = Annual premium rate x 0.09
How to apply
Seek consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, call 1333 or AIA Company Limited Tel. 0 2353 8855, www.aia.co.th
Assured by AIA Company Limited
Notes
Notes
- Be Together Health Happy For Kids is the marketing name of AIA Term 85 (Non-Par) combined with the AIA Health Happy 2024 rider (for the insured whose age 15 days – 10 years)
- 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 the customer 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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