Key Benefits
- Medical expenses for kids aged 15 days – 10 years, covers consecutively until the age of 99 years.
- Maximum sum assured is up to 25 MB1, covers OPD and IPD expenses2.
- 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 illness.3
- Ease of premium payment by having deductible plan4 10,000 baht or 30,000 baht per policy year.
- Automatically convert coverage when the child fully reaches 11 years5 for first dollar plan and as charged coverage.
- Access to a privileged service from Personal Medical Case management (PMCM)6, an exclusive medical solution by specialized medical practitioners around the world (Applicable for 15 MB and 25 MB plans only)
- Health insurance premium is tax-deductible, in line with Revenue Department conditions7.
Note
1 Depends on coverage plan selection.
2 Refers 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.
3 Six 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.
4 Deductible per policy year policy refers to the initial part of a loss that the Insured must be responsible for according to the insurance contract. Deductible amount will be counted in a portion of the Insured’s right under this rider, which is excluded Out-patient benefit endorsement (if any).
5 For the Insured who fully reaches 11 years and above at the day this rider is effective, or from anniversary date of the policy year after the Insured fully reaches 11 years and above.
6 Personal Medical Case Management: PMCM provides a medical advice service, giving care and support throughout a treatment journey. For you to receive good, and proper treatment. The eligibility of a service is in accordance with conditions that AIA Group and a service provider have stipulated. The length of service can be adjusted. Please go to from www.aia.co.th for more details.
7 An eligible portion of health insurance premium according to the Notification of the Director-General of the Revenue Department on Income Tax (No. 383) is 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
Important conditions of Health Happy For Kids rider
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:
- All types of Hernia
- Pterygium or Cataract
- Tonsillectomy or Adenoidectomy
- Endometriosis
Some Exclusions of Health Happy For Kids rider
This rider coverage does not cover an expense from a treatment or any damage that occurred from an injury or an illness (including complications) symptoms or abnormalities from
- Conditions that are caused by congenital abnormalities, or congenital organ system defects, or genetic disorder, or growth development abnormalities but except for when this rider is effective no less than 1 year and the conditions appear after the Insured has fully reaches 16 years.
- Pregnancy, miscarriage, abortion, child delivery, obstetric complications, solutions to infertility problems (including investigations and treatments), sterilization and contraception except for Choriocarcinoma.
- Treatments of eyesight abnormalities, Lasik surgery, expenses for devices to assist defective eyesight or treatments of vision abnormalities.
- Treatments or rehabilitation for narcotics, cigarettes, alcoholic drinks, or substances affecting mental conditions.
- Any treatments that are not modern western medicine including alternative medicine.
Requirements
- Insurable age: 15 days - 10 years
- Coverage period12: Until the age of 99
- Premium payment period12: 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.)
Premium Rates
Standard annual premium rates (depending on gender, age, payment mode, and insurance plan).
|
Gender |
Age (Years) |
Annual premium (baht) Deductible 10,000 baht plan per policy year |
|||
|
Plan 1 MB |
Plan 5 MB |
Plan 15 MB |
Plan 25 MB |
||
|
Female |
15 days – 10 |
24,600 - 47,600 |
34,500 - 64,400 |
47,700 - 88,500 |
67,900 - 123,000 |
|
Male |
15 days – 10 |
28,600 - 53,500 |
39,400 - 73,900 |
58,500 - 104,700 |
82,500 - 143,000 |
|
Gender |
Age (Years) |
Annual premium (baht) Deductible 30,000 baht plan per policy year |
|||
|
Plan 1 MB |
Plan 5 MB |
Plan 15 MB |
Plan 25 MB |
||
|
Female |
15 days – 10 |
11,000 - 27,600 |
17,500 - 44,400 |
29,700- -68,400 |
49,900 - 103,000 |
|
Male |
15 days – 10 |
14,500 - 33,500 |
22,400 - 53,900 |
40,500 - 84,600 |
64,500 - 123,000 |
|
Gender |
Age (Years) |
Annual premium (baht) First dollar plan |
|||
|
Plan 1 MB |
Plan 5 MB |
Plan 15 MB |
Plan 25 MB |
||
|
Female |
11 – 98* |
14,400 - 277,800 |
18,200 - 339,700 |
21,600 - 495,000 |
27,900 - 642,900 |
|
Male |
11 – 98* |
13,500 - 270,500 |
16,500 - 330,300 |
20,100 - 484,200 |
26,200 - 630,700 |
*Premium rates from 11 to 98 years are applicable for only during the renewal year.
A rider is a one-year insurance contract that is renewable. To renew this rider, the Company reserves the right to change the Insuring Agreement, such as adding a Copayment condition according to the rate and criteria as specified in the rider contract and reserves the right to adjust the premium rate in a policy year due to various factors such as age, occupational class, historical claim payments of the Company, etc. For medical riders, there may be other factors such as higher medical expenses or historical claim payments of the portfolio. Such adjustment of premium rate is subject to approval of the Registrar.
How to apply
Seek consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, call 1333 or AIA Company Limited Tel. 0 2353 8855, Website www.aia.co.th
Assured by AIA Company Limited
Notes
- Health Happy For Kids rider is the marketing name of AIA Health Happy 2024 rider (for the insured whose age 15 days – 10 years)
- 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 the customer 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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