Key Benefits

Lump-Sum Benefit

  • Medical expenses1 are paid as charged
  • Covers doctor fees, fees for surgery and procedures including post-treatment rehabilitation, chronic renal failure treatment and cancer treatment

Double Coverage

  • Maximum sum assured per year will be doubled and consecutive for the next 3 policy years if the Insured meets the six conditions of critical illness2
  • Covers outpatient expenses (applicable for 25 MB Plan only)

Value for Money

  • Covers OPD3 and IPD expenses
  • Maximum sum assured is up to 25 million baht
  • Access to privileged service from MEDIX4, an exclusive medical solution by specialized medical practitioners around the world (applicable for 15 MB and 25 MB Plans only)

Tax Deductible

Health insurance premium is tax-deductible, in line with Revenue Department conditions5

1Total benefits under group 1 through 13 including outpatient expenses (if any) must not exceed maximum benefits per policy year. However, benefits as charged must not exceed the limit, which depends on coverage plan selection.

2Six 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.

3Refers to outpatient medical expense in case the Insured visits the hospital as an outpatient at the Outpatient Department (OPD), which depends on coverage plan selection.

4Personal Medical Case Management is a service provided by MEDIX, offering access to medical advice, support and assistance along your medical journeys. The service will ensure that you are receiving good and proper medical care. However, eligibility for the service is subject to AIA Group and MEDIX. Terms and conditions and length of service can be changed. For further details, please visit

5An 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
Waiting Period
  1. Any illnesses occurring within 30 days following the date on which this contract is issued or reinstated, whichever is later.
  2. 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 Health Happy Rider
  1. 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.
  2. Pregnancy, miscarriage, abortion, child delivery, obstetric complications, solutions to infertility problems (including investigations and treatments), sterilization and contraception except for Choriocarcinoma.
  3. Standard health examination, inpatient hospitalization request or surgery request, recovery after hospitalization whether for rehabilitation or resting or staying in hospital to get medical assistance, examination or treatment which is non-related to an illness which is a cause of hospitalization, injury or illness diagnosis, treatment or examination to investigate cause of disease which is not a medical necessity or does not meet medical standards.
  4. Other treatments besides conventional medicine including alternative medicine.
  5. Suicide, attempted suicide, self-harm or attempted self-harm either inflicted by the Insured or by other people with consent of the Insured whether sane or insane, including injuries caused by accidents after consuming or injecting toxic drugs or substances into the body, or overdoses of prescription drugs.
  • Insurable age: 6 - 75 years
  • Coverage period6: Until the age of 99
  • Premium payment period6: Until the age of 99
  • Sum assured: 1 MB / 5 MB / 15 MB / 25 MB
  • Payment mode: Annually / Semi-annually / Quarterly / Monthly
    (If the premium is paid monthly, the first payment will include an advanced payment of two months.)

6One-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
Standard annual premium rates (depending on gender, age, payment mode, and insurance plan).



Annual Premium (baht)

Age (Years)

Plan 1 MB

Plan 5 MB

Plan 15 MB

Plan 25 MB


6 - 75

14,400 - 88,200

18,200 - 107,500

21,600 - 155,700

27,900 - 202,000

76 - 98*

126,300 - 277,800

154,400 - 339,700

224,700 - 495,000

291,800 - 642,900


6 - 75

13,500 - 85,400

16,500 - 104,000

20,100 - 152,100

26,200 - 197,800

76 - 98*

122,900 - 270,500

150,000 - 330,300

219,900 - 484,200

286,300 - 630,700

*Premium rates from 76 to 98 years are applicable for only during the renewal year.

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

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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