Key Benefits

  • Receive the daily hospitalization benefit when admitted as a patient due to illness or injury caused by an accident as well as day case treatments
  • Receive three times of the daily hospitalization benefit when admitted as a patient in ICU
  • Receive five times of the daily hospitalization benefit in the case of undergoing surgical procedure by receiving general anesthesia or spinal anesthesia performed by an anesthesiologist
  • Receive twenty-five times of the daily hospitalization benefit when admitted as a patient due to any of the 13 acute critical illnesses (CI)
  • Receive the daily hospitalization benefit after admitted as a patient including day case treatments with expenses for take-home medicine
  • Receive ten times of the daily hospitalization benefit in case of death

Additional Information

Coverage and Benefits

Summary of Benefits per Daily Benefit of 100 baht

Benefit Amount (baht)

Inpatient daily hospitalization benefit under 1 and 2: compensation per confinement

1. Inpatient hospitalization (including day case)

100 per day (1X)

2. Inpatient hospitalization in ICU (Maximum 365 days)

300 per day (3X)

The combined benefit for 1 and 2 must not exceed 1,260 days per confinement

Other benefits:
Benefit under 3 and 4: Compensation per confinement

Benefit under 5: Compensation per admission

3. Inpatient hospitalization and undergoes a surgery*

500 (5X)

4. Inpatient hospitalization for any of the 13 acute CI diseases**

2,500 (25X)

5. Take-home medicine per admission (including day case)

100 per admission (1X)

Death benefit

1,000 (10X)


  • X is a sum assured multiple of AIA HB Extra.
  • *For surgical operation using either general anesthesia or spinal anesthesia, the Company will pay the benefit only one time per confinement.
  • **According to the definition of CI diseases in AIA HB Extra, the Company will pay benefit only one time per confinement regardless of the number of CI diseases. The Company will not pay this benefit when the Insured is hospitalized again from complications or sequelae caused by the same CI diseases.
13 Acute CI diseases covered under AIA HB Extra
  1. Acute Heart Attack
  2. Major Stroke
  3. Coronary Artery By-Pass Surgery
  4. Major Organs Transplantation or Bone Marrow Transplantation
  5. Fulminant Viral Hepatitis
  6. Bacterial Meningitis
  7. Major Burns
  8. Coma
  9. Viral Encephalitis
  10. Open Heart Surgery for the Heart Valve
  11. Major Head Trauma
  12. Surgery to Aorta
  13. Kawasaki Disease with Heart Complications
Benefits for Inpatient Treatment without Staying Overnight in Hospital (Day Case Benefits)
  1. Extracorporeal Shock Wave Lithotripsy (ESWL)
  2. Coronary Angiogram / Cardiac Catheterization
  3. Extra Capsular Cataract Extraction with Intra Ocular Lens
  4. All Types of Laparoscopic Surgery
  5. All Types of Endoscopy
  6. Sinus Operations
  7. Excision Breast Mass
  8. Bone Biopsy
  9. Finger or Toe Amputation
  10. Liver Puncture / Liver Aspiration
  11. Bone Marrow Aspiration
  12. Lumbar Puncture
  13. Thoracentesis / Pleuracentesis / Thoracic Aspiration / Thoracic Paracentesis
  14. Abdominal Paracentesis / Abdominal Tapping
  15. Curettage / Dilatation & Curettage / Fractional Curettage
  16. Colposcope / Loop Diathermy
  17. Marsupialization of Bartholin’s Cyst
  18. Gamma Knife Radiosurgery
Waiting Period
  • Any illnesses occurring within 30 days following the date on which this contract is issued or reinstated, whichever is later.
  • The following illnesses occurring within 120 days following the date on which this contract is issued or reinstated, whichever is later:
    • Hernia
    • Pterygium or Cataract
    • Tonsillectomy or Adenoidectomy
    • Endometriosis
  • Inpatient hospitalization due to any acute critical illness according to the definitions stipulated in this rider for acute critical illnesses or disorders, which have been confirmed by a medical practitioner and are clearly and evidently related to the acute critical illnesses covered under this rider occurring within 60 days following the date on which this contract is issued or reinstated or, whichever is later.
Some Exclusions of AIA HB Extra Rider
  1. The Insured suffers from a chronic disease, illness, or any injury that is not treated before the contract’s effective date, or before the effective date of the latest reinstatement, whichever is later, or a congenital disease, a developmental problem or a genetic disorder.
  2. 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.
  3. Pregnancy, miscarriage, abortion, child delivery, obstetric complications, solutions to infertility problems (including investigations and treatments), sterilization and contraception.
  4. General health check-up, request for hospitalization or request for surgical procedure, convalescence or specific purpose for rehabilitation, any investigation not directly related to hospital admission, diagnosis, injury or illness, any treatments or investigation that are neither medically necessary nor in accordance with the standards of medical practice, and fees for special nursing services.
  5. Treatments for eyesight problems, Lasik, expenses for corrective optical aids, or treatments for refractive errors.
  6. Dental treatments or surgeries, prosthodontics, dental crown treatment, root canal treatment, dental filling, orthodontic treatment, dental scaling, tooth extraction, dental implant, except the treatment to address injury from an accident, which does not include the costs of denture, crown treatment, and root canal or implant treatments.
  7. Other treatments besides conventional medicine including alternative medicine.
  • 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 for a health insurance rider: Depending on the consideration criteria of AIA Company Limited
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
Premium Rates
Standard annual premium rates per sum assured of 100 Baht for the age of 1 month - 70 years (depending on gender, age and payment mode, excluding increased premiums due to health conditions).

Age (years)

Annual Premium (baht)



1 month - 70

325 - 600

360 - 710

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

Assured by AIA Company Limited

  • 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.