Key Benefits
- Covers early to intermediate stage critical illnesses for 18 diseases/ treatments1 and severe stage critical illnesses for 44 diseases/ treatments1
- Maximum coverage benefit up to 140% of the sum assured2
- Covers up to age 993 when continuously paying the premium
Notes:
1Critical illnesses as specified in AIA CI Care rider contact which has coverage for (1) Early to intermediate stage critical illnesses 1 time during the coverage period and the policy is in effective when continuously receiving the premium, and (2) Coverage for severe stage critical illnesses 1 time during a coverage period. Once the Company paid the benefit, the contract will be terminated.
2Excludes 4 cases which the AIA CI Care rider shall pay maximum benefit not exceeding 100% of the sum assured.
- Case 1: Diagnosis of “Invasive Cancer” and “Non-Invasive Cancer” which indicates that both take place in the same organ, on the same side of the organ, and which undergo in the same treatment or surgical procedure.
- Case 2: Injury from “Major Burn” and “Less Severe Burn”, caused by the same accident.
- Case 3: Illness is caused by Severe stage critical illness “Acquired Hydrocepharus Requiring an External Shunt” and early to intermediate stage critical illness “Cerebral Shunt Insertion” which undergo treatment at the same time.
- Case 4: “Loss of One Limb or sight in one eye followed by the Insured’s diagnosis of one of the following severe stage critical illnesses: “Paralysis,” “Blindness,” “Loss of Independent Living,” or “Total and Permanent Disability” which occurs from the same cause.
3The Company shall pay severe stage critical illnesses benefit for Alzheimer's Disease, Parkinson's Disease, Loss of Independent Living and Total and Permanent Disability – TPD on the condition that the Insured is first diagnosed and/or confirmed by a Medical Practitioner to have this Critical Illness while the Insured is alive, and before the anniversary date of the policy after the Insured reaches the age of 80. The Company shall pay Juvenile Critical Illnesses benefit on the condition that the Insured is first diagnosed and/or confirmed by a Medical Practitioner while the Insured is alive and before the Insured has reached the age of 17.
Additional Information
Coverage and Benefits
|
Coverage |
Benefits |
|
|
In the event of being the Insured’s first diagnosis1 and/or confirmation of having this Critical Illness2 by a Medical Practitioner while alive |
18 critical illnesses at the intermediate stage |
40% of the sum assured (Pay 1 time during the coverage period and the policy is in effect while continuously receiving the premium) |
|
44 critical illnesses at the severe stage |
100% of the sum assured (Coverage is limited to 1 severe stage critical illness during the coverage period. Once the Company pays the benefit, the contract will be terminated) |
|
|
Maximum coverage benefit |
140% of the sum assured3 |
|
Notes
1Diagnosis means the medical examination processes carried out by a Medical Practitioner in order to know the cause of any of the Critical Illnesses covered by this Rider, subject to the following conditions:
- Such Critical Illness has been examined and confirmed by a Medical Specialist who is registered with the Medical Council of Thailand;
- Such medical examinations have been carried out properly, covering consideration of clinical evidence, radiographic results, pathological reports, and medical laboratory evidence;
- Where a surgical procedure is required, it must be performed where certain medical indicators are present, and through acceptable standard medical practices.
2Critical illnesses as specified in AIA CI Care rider contact
3Excludes 4 cases which the AIA CI Care rider shall pay maximum benefit not exceeding 100% of the sum assured.
- Case 1: Diagnosis of “Invasive Cancer” and “Non-Invasive Cancer” which indicates that both take place in the same organ, on the same side of organ, and which undergo in the same treatment or surgical procedure.
- Case 2: Injury from “Major Burn” and “Less Severe Burn”, caused by the same accident.
- Case 3: Illness is caused by Severe stage critical illness “Acquired Hydrocepharus Requiring an External Shunt” and early to intermediate stage critical illness “Cerebral Shunt Insertion” which undergo treatment at the same time.
- Case 4: “Loss of One Limb sight in one eye followed by the Insured’s diagnosis as one of the following severe stage critical illness: “Paralysis,” “Blindness,” “Loss of Independent Living,” or “Total and Permanent Disability” which occurs from the same cause.
Critical illnesses coverage under AIA CI Care rider
Critical illnesses coverage under AIA CI Care rider
Critical illnesses coverage under AIA CI Care rider
Assured by AIA Co., Ltd.
|
Group of Critical illness |
Intermediate stage critical illnesses 18 diseases/ treatments |
Severe stage critical illnesses 44 diseases/ treatments |
|
Group 1 Cancer and Tumor |
1. Non-Invasive Cancers / Carcinoma in Situ 2. Surgical Removal of Pituitary Tumor |
1. Invasive Cancers 2. Benign Brain Tumor |
|
Group 2 Heart, Respiratory and Blood Circulation System |
3. Coronary Artery Disease Requiring Angioplasty 4. Pericardiectomy 5. Less Invasive Treatments of Heart Valve Disease 6. Endovascular Treatment of Aortic Disease or Aortic Aneurysm at Thoracic or Abdominal Aorta 7. Vena-Cava Filter Placement |
3. Acute Heart Attack 4. Coronary Artery By-Pass Surgery 5. Cardiomyopathy 6. Open Heart Surgery for the Heart Valve 7.Surgery to Aorta 8. Primary Pulmonary Arterial Hypertension 9. Severe Chronic Obstructive Pulmonary Disease or End-Stage Lung Disease 10. Aplastic Anemia |
|
Group 3 Cerebral Vascular, Nervous and Muscular System |
8. Stroke Requiring Carotid Endarterectomy Surgery 9. Stroke Treatment by Carotid Angioplasty and Stent Placement 10. Cerebral Aneurysm Treatment by Endovascular Coiling 11. Cerebral Shunt Insertion |
11. Major Stroke 12. Cerebral Aneurysm Requiring Brain Surgery 13. Coma 14. Alzheimer's Disease1 15. Bacterial Meningitis 16. Viral Encephalitis 17. Parkinson's Disease1 18. Multiple Sclerosis 19. Motor Neuron Disease 20. Apallic Syndrome or Vegetative State 21. Paralysis 22. Poliomyelitis 23. Muscular Dystrophy |
|
Group 4 Organs and Functions |
12. Surgical Removal of One Lobe of Liver 13. Surgical Removal of One Kidney 14. Surgical Removal of One Lung |
24. Chronic Liver Disease or End-Stage Liver Disease or Liver Failure 25. Chronic Kidney Failure 26. Severe Ulcerative Colitis or Crohn's Disease 27. Major Organs Transplantation or Bone Marrow Transplantation 28. Fulminant Viral Hepatitis 29. Chronic Relapsing Pancreatitis 30. SLE: Lupus Nephritis from Systemic Lupus Erythematosus 31. Severe Rheumatoid Arthritis |
|
Group 5 Infection Major Injury and Disability |
15. Second Degree Burns 16. Surgery of Subdural Haematoma due to accident 17. Loss of One Limb or One Eye/Sight 18. Diabetic Retinopathy |
32. Third Degree Major Burn 33. Major Head Trauma 34. Loss of Independent Living1 35. Total and Permanent Disability - TPD1 - Permanently unable to independently perform at least 3 Daily Living Activities for at least 180 consecutive days, or - unable to work or perform any type of occupation for remuneration or profit due to such disability, which lasts for at least 180 consecutive days, or - Loss of sight in both eyes, loss of both hands, both feet, or 1 hand and 1 foot, loss of sight in 1 eye and 1 hand, or loss of sight in 1 eye and 1 foot. 36. Blindness 37. Multiple Root Avulsions of Brachial Plexus 38. การสูญเสียความสามารถในการพูด Loss of Speech 39. Necrotizing Fasciitis and Gangrene 40. Elephantiasis |
|
group 6 Juvenile Critical Illness2 |
|
41. Rheumatic Fever with Heart Involvement 42. Kawasaki Disease with Heart Complications 43. Type I Diabetes 44. Acquired Hydrocephalus Requiring An External Shunt |
Notes :
1The Company shall pay the benefit on the condition that the Insured is first Diagnosed and/or confirmed by a Medical Practitioner to have this Critical Illness while the Insured is alive, and before the anniversary date of the policy after the Insured reaches the age of 80.
2The Company shall pay the benefit on the condition that the Insured is first diagnosed and/or confirmed by a Medical Practitioner, while the Insured is alive and before the Insured has reached the age of 17.
Waiting period of AIA CI Care
This Rider does not cover any Critical Illnesses, or any abnormalities confirmed with clear proof that they are related to any of the Critical Illnesses covered under this Rider, occurring within 60 days from the effective date of this Rider, or, in the case of reinstatement, from the effective date of the last reinstatement, or from the day the Company approves an increase in the sum assured under this Rider, whichever is later. In cases where the Company has approved an increase in the sum assured, the Company will not provide coverage only with respect to the sum assured that is increased.
Pre-existing condition of AIA CI Care
The Company will not pay this rider’s benefit for abnormalities confirmed by a medical practitioner with clear proof that they are related to any of the critical Illnesses covered under this rider, if they occurred before the effective date of this rider, or before the effective date of the reinstatement, or before the date the Company approves an increase in the sum assured under this rider, whichever is later. In cases where the Company has approved an increase in the sum assured, the Company will not provide coverage only with respect to the sum assured that is increased. This also includes physical impairments, illness or injury confirmed with clear proof that they are related to any of the Disability covered under this rider, that the Insured was aware of but did not declare to the Company. Unless the Insured has declared the relevant facts to the Company, and the Company agrees to accept the risk without imposing any exclusions on the coverage.
Some exclusions of AIA CI Care rider
- Waiting period is 60 days from the effective date of this Rider, or, in the case of reinstatement, from the effective date of the last reinstatement.
- Abnormalities confirmed by a medical practitioner with clear proof that they are related to any of the critical Illnesses covered under this rider, occurring before the effective date of this rider, or before the effective date of the reinstatement.
- Suicide, self-inflicted harm, or an attempt to do so.
- The Insured’s infection of HIV (HIV Positive) or the condition of Acquired Immune Deficiency Syndrome (AIDS), whether directly or indirectly.
- Injury while being under the influence of addictive substances or narcotics to the extent that the Insured is unable to control themselves.
Eligibility
- Insurable age: 15 days - 75 years
- Coverage period: Until the age of 99 or until a basic plan is terminated
- Premium payment period: Until the age of 98 or until a basic plan is terminated
-
Sum assured limit per life:
- Minimum 100,000 baht
- Up to 12,000,000 baht for applicants who are employed and have an income or,
- Up to 6,000,000 baht for applicants with no income, such as juveniles, students, housewives, and retirees.
Overall, the maximum sum assured for critical illnesses combined per life. (subject to the Company’s underwriting criteria) must not exceed 50,000,000 baht per life for employed applicants with an income, and must not exceed 30,000,000 baht per life for unemployed applicants .
- Payment mode: Annually / Semi-annually / Quarterly / Monthly
- Underwriting: Normal underwriting
Premium Rates
Standard annual insurance premium per 1,000 baht of sum assured, for ages 15 days – 98 years (depending on gender, age, payment mode, excluding additional premiums for health and occupational categories)
|
Age (years) |
Annual premium rates (baht) |
|
|
Female |
Male |
|
|
15 days – 15 years |
1.95 |
2.24 |
|
16 – 75 years |
1.81 - 68.29 |
1.54 – 122.09 |
|
76 – 98 years (Renewal year) |
90.08 - 374.52 |
153.3 - 394.01 |
A rider is an insurance policy with a renewable one-year coverage period. Upon renewal, the Company reserves the right to adjust the premium rate at the
policy anniversary, taking into account various factors such as the Insured’s age, occupation, historical claim payments by the Company, etc. Any adjustment of the premium rate is subject to approval of the Registrar. The Company will inform the Insured in writing at least 30 days in advance.
Estimated calculation of premium payment mode
- 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, or call 1333
AIA Company Limited Tel. 0 2353 8855, Website www.aia.co.th
Assured by AIA Co., Ltd.
Notes
- AIA CI Care rider is the marketing name of AIA I Care rider 2019a.
- If the premium is paid monthly, the first payment will include an advance payment of two months.
- An eligible portion of a health insurance premium is tax-deductible according to the Notification of the Director-General of the Revenue Department on Income Tax.
- 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 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 subject to AIA Company Limited conditions.
- The applicant has a duty to provide correct information when applying for insurance. Any concealment of the 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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