Key Benefits

  • Provide coverage for 18 critical illness diseases in the early to intermediate stage and 44 critical illness diseases in the severe stage
  • Receive critical illness benefit up to 140% of the sum assured
  • Protection until the age of 801

Additional Information

Coverage and Benefits
  • Offer coverage until the age of 801
  • Tax deductible2

Coverage

Benefits

If the Insured is first diagnosed and/or confirmed by a medical practitioner to be suffering from any of the critical illnesses3

18 early to intermediate stage critical illnesses / treatments

40% of the sum assured paying one time throughout the policy period for one incidence of early to intermediate stage critical illness. The policy will be in force as long as premium payments continue.

44 severe stage critical illnesses / treatments

100% of the sum assured paying one time throughout the policy period for one incidence of severe stage critical illness. After the Company has paid the benefit, the AIA CI Care rider will cease to be in-force.

Maximum coverage for critical illnesses

140% of the sum assured4



1Critical Illnesses (CI) which are not covered until the age of 80 include: 1) Juvenile CI Group (coverage from the age of 1 month to 16 years): Rheumatic Fever with Heart Involvement, Kawasaki Disease with Heart Complication, Type 1 Diabetes, Acquired Hydrocephalus Requiring an External Shunt and 2) Total Permanent Disability that results in the Insured to be incapable of being engaged in any occupation for remuneration or profit for at least 180 consecutive days (coverage from the age of 17 to the day before the Insured’s 70th birthday).

2The rider and basic premiums are 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 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.

3Critical illnesses according to the definition of AIA CI Care Rider

4In the following cases, AIA CI Care Rider will pay a maximum benefit not exceeding 100% of the sum assured.

  • Case 1: Diagnosis of “Invasive Cancer” and “Non-Invasive Cancer” indicated on the same organ and at the same side of organ, as well as undergoing treatment or surgical procedure at the same time.
  • Case 2: Injury from “Major Burns” and “Less-Severe Burns” caused by the same accident.
  • Case 3: Illness causes by “Acquired Hydrocephalus Requiring an External Shunt” and “Cerebral Shunt Insertion” undergoing treatment at the same time.
  • Case 4: “Loss of One Limb or Sight in One Eye” and following which the Insured’s diagnosis indicated one of the following severe stage critical illnesses: “Paralysis”, “Blindness”, “Loss of Independent Living”, or “Total Permanent Disability” which occur from the same cause.
Critical Illnesses Covered by AIA CI Care Rider
Waiting Period
This rider will not cover any critical illness or disorders confirmed by a medical practitioner occurring within 60 days following the date on which this contract is issued or reinstated or the date the Company approves the increase of the sum assured of this rider, whichever is later.

Note: The coverage under the rider will be in force immediately for the case of total permanent disability.
Some Exclusions of AIA CI Care Rider
  1. This rider consists of a waiting period according to the conditions stipulated therein.
  2. Critical illness disorders confirmed by a medical practitioner before the date this contract is issued or reinstated.
  3. Suicide, self-inflicted injury or an attempt to take such action.
  4. Critical illnesses resulting from HIV positive infections or conditions of AIDS.
  5. Injuries caused by the Insured while under the influence of alcohol, addictive substances, or narcotic drugs that impair the Insured’s mental faculties.
Requirements
  • Insurable age: 1 month - 70 years
  • Coverage period: Until the age of 80 or until the basic plan has expired
  • Premium payment period: Until the age of 80 or until the basic plan has expired
  • Maximum sum assured per an Insured person: maximum of 12 million baht per one Insured person for the Insured who have an occupation and income, and maximum of 6 million baht per one Insured person for the Insured without an income, namely, juveniles, students, stay-at-home dads, housewives and retirees.

    The maximum sum assured of aggregated coverage for critical illnesses per one Insured person (depending on the consideration criteria of the AIA Company Limited) shall not exceed 50 million baht per one Insured person for the Insured who have an occupation and income, and not exceeding 30 million baht per one Insured person for the Insured without an income
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
Premium Rates
Standard annual premium rates per sum assured of 1,000 baht for the age of 1 month - 70 years (depending on gender, age, payment mode, excluding increased premiums due to health conditions and occupation).

Age (years)

Annual Premium (baht)

Female

Male

1 month - 70

1.81 - 49.77

1.54 - 91.40


Note: 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.
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
  • 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.