Key Benefits

  • Receive lump sum health coverage up to 5,000,000 baht of medical expenses as charged (Maximum coverage per policy year depends on the type of insurance plan)
  • Get the best treatments in hospital
  • Get timely treatment for minor illness that may lead to critical illness
  • Obtain comprehensive coverage such as emergency ambulance service, as well as consultations with general practitioners and specialists
  • Tax deductible1

1The basic 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). 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.

Additional Information

Coverage and Benefits

Summary of Benefits





1. Inpatient hospitalization per confinement

1.1 Hospital room, board and nursing per day (Maximum 125 days). Benefits are double for intensive care (ICU or CCU) room and board (Maximum 5 days and when combined with room, board and nursing benefits, not exceeding 125 days)





1.2 Take-home medicine not exceeding 7 days after dischargement





1.3 In-hospital consultation per day (Maximum 125 days)





1.4 Outpatient treatment within 30 days or post-inpatient admission (Maximum 2 visits)





1.5 Emergency ambulance service

Cover actual medical expense as charged (When benefit 1 and 2 are combined, amount must not exceed the specified maximum benefit per confinement or the specified maximum benefit per major accident confinement, depending on circumstances. When benefit 1, 2 and 3 are combined, amount must not exceed the specified maximum per policy year.)

1.6 Outpatient x-ray diagnosis and laboratory tests

1.7 Miscellaneous hospital expenses

1.8 Surgery fee

2. 24-hours accidental emergency outpatient treatment per injury





3. Outpatient treatment for kidney dialysis, chemotherapy and/or radiotherapy per policy year





Maximum benefits per confinement





Maximum benefits per major accident confinement





Maximum benefits per policy year





Death benefit*





*In the event the Insured’s death occurs while the coverage of AIA H&S Plus Gold Rider is in force.

Major accident refers to an accident that results in the loss of one or more organs such as hands, feet or eyes including total and permanent disability.

Note: This rider provides coverage for medical treatments taking place in Thailand. For medical treatments taking place in territories outside the Kingdom of Thailand, this rider will cover only the case of physical injuries caused by accidents or emergency illnesses in foreign countries according to the definitions stated in this rider.
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. Injection or Rubber Band Ligation
  8. Excision Breast Mass
  9. Bone Biopsy
  10. Tissue Biopsy
  11. Finger or Toe Amputation
  12. Manual Reduction
  13. Liver Puncture / Liver Aspiration
  14. Bone Marrow Aspiration
  15. Lumbar Puncture
  16. Thoracentesis / Pleuracentesis / Thoracic Aspiration / Thoracic Paracentesis
  17. Abdominal Paracentesis / Abdominal Tapping
  18. Curettage / Dilatation & Curettage / Fractional Curettage
  19. Colposcope / Loop Diathermy
  20. Marsupialization of Bartholin’s Cyst
  21. 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
Some Exclusions of AIA H&S Plus Gold Rider
  1. This rider consists of a waiting period according to the conditions stipulated therein.
  2. 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.
  3. 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.
  4. Pregnancy, miscarriage, abortion, child delivery, obstetric complications, solutions to infertility problems (including investigations and treatments), sterilization, and contraception.
  5. General health check-up and treatments or diagnosis that are neither medically necessary nor in accordance with the standards of medical practice, and fees for special nursing services.
  6. Treatments for eyesight problems, Lasik, expenses for corrective optical aids, or treatments for refractive errors.
  7. Other treatments besides conventional medicine including alternative medicine.
  • Insurable age: 1 month - 5 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 (according to the consideration criteria of AIA Company Limited): depending on the total amount of sum assured per one insured person
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
Premium Rates
Standard annual premium rates for the age of 1 month - 5 years (depending on gender, age, payment mode, and insurance plan, excluding increased premiums due to health conditions).

Age (years)

Annual Premium



1 month - 5

48,420 - 94,350

53,580 - 106,850

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.
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
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.

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