Key Benefits
- Health coverage, as charged benefits with maximum limit of 500,000 baht1
- Applicable for all ages, insurable age from 11 years to 75 years
- Double benefits for critical illness: When diagnosed with any of 6 critical illnesses2, receive double the amount3 of benefits covering 4 consecutive policy years in total
- Out-patient benefits (OPD)4 for plan 400,000 baht and plan 500,000 baht
- Reachable premiums, premiums start at 6,900 baht5 for males, and 7,400 baht5 for females
- Medical services fees coverage per policy year of physician performing fees for Dialysis, Radiotherapy, and Chemotherapy
Note
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.
3The maximum benefits will be doubled in the event that the Insured has been treated for critical illness when first diagnosed with the critical illness for (1) The maximum benefits in group 2 and group 3 - 6 and 12 as per confinement, excluding the benefits subgroup 2.4, (2) The maximum benefits in group 9 - 11 as per policy year.
4Out-patient benefit of 1,000 baht per visit, up to a maximum of 30 times per policy year for the 400,000 baht plan and 1,500 baht per visit, up to a maximum of 30 times per policy year for the 500,000 baht plan.
5Sample annual premium of plan 200,000 baht for males aged 21 – 25 years and females aged 16 – 20 years.
Additional Information
Coverage and Benefits
|
Brief benefits table |
Plan 200,000 baht |
Plan |
Plan |
Plan |
|
|
1. In-patient benefits |
|||||
|
Group 1 |
Hospital daily room & board, food and hospital service charges (in-patient) per confinement
In the event of ICU, such benefit will be paid for hospital daily room & board, food and hospital services charges (in-patient) at 6 times the rate of the Hospital daily room & board benefits, food and hospital service charges (in-patient) combined not exceeding 365 days. |
1,500 baht per day |
2000 baht per day |
3,000 baht per day |
4,000 baht per day |
|
Must not exceed 365 days per confinement (Including ICU) |
|||||
|
Group 2 |
Fees for medical services, diagnosis, treatment, blood services, nurse services, medicine, intravenous nutrition and medical supplies per confinement |
||||
|
2.1 |
Medical service fee for diagnosis |
25,000 baht |
35,000 baht |
40,000 baht |
50,000 baht |
|
2.2 |
Treatment of medical services, blood services and nursing services
|
||||
|
2.3 |
Medicine, intravenous nutrition and medical supplies
|
||||
|
2.4 |
Medicine and medical supplies (Medical Supply 1) for take-home needs (Maximum 7 days) |
5,000 baht per admission
(When including sub-group 2.1 – 2.4, total must not exceed the maximum benefit specified in sub-group 2.1 - 2.3 per confinement) |
|||
|
Group 3 |
Fees for medical professional services (physician), examination, physical services per confinement (not exceeding 365 days) |
As charged* |
|||
|
Group 4 |
Fees for surgery and procedures per confinement |
||||
|
4.1 |
|
As charged* |
|||
|
4.2 |
|
||||
|
4.3 |
Medical professional services, physician (and assistant) fees for surgery & procedure (doctor fees)
|
||||
|
4.4 |
|
|
|||
|
4.5 |
Organ transplantation |
||||
|
Group 5 |
Day surgery1 |
||||
|
2. Out-patient medical expense in case the Insured visits the hospital as an out-patient |
|||||
|
Group 6 |
Fees for diagnosis from directly related treatment before and after IPD treatment or OPD treatment directly related to IPD treatment per confinement. |
||||
|
6.1 |
Fees for diagnosis from directly related treatment within 30 days before and after any IPD treatment
|
As charged* |
|||
|
6.2 |
Fees for OPD treatment after any IPD treatment or continuous treatment within 30 days after that IPD treatment (excluding fees for diagnosis)
|
As charged* maximum 2 times per confinement
|
|||
|
Group 7 |
Fees for OPD treatment of injury within 24 hours of each accident
|
7,000 baht |
8,000 baht |
9,000 baht |
10,000 baht |
|
Group 8 |
|
No coverage |
|||
|
Group 9 |
Fees for physician performing treatment of chronic renal failure dialysis intravenously per policy year |
200,000** baht |
300,000** baht |
400,000** baht |
500,000** baht |
|
Group 10 |
Fees for physician performing tumor or cancer radiation therapy, interventional radiology, or nuclear medicine-therapeutic per policy year
|
||||
|
Group 11 |
Fees for physician performing chemotherapy including targeted therapy per policy year
|
||||
|
Group 12 |
Emergency ambulance service fees
|
As charged* |
|||
|
Group 13 |
Minor surgery2 (per admission)
|
10,000 baht |
15,000 baht |
20,000 baht |
25,000 baht |
|
Additional coverage |
|||||
|
3. Out-patient benefit (OPD) |
No coverage |
1,000 baht |
1,500 baht |
||
|
4. Critical illness coverage3 |
1. The maximum benefits in group 2 and group 3 - 6 and 12 as per confinement, excluding the benefits in sub-group 2.4. 2. The maximum benefits in group 9 - 11 as per policy year. The maximum benefits will be increased in the policy year if the Insured is diagnosed with a critical illness and will be covered for 3 consecutive policy years. |
||||
|
5. Death benefit |
10,000 baht |
||||
* When combining group 3 – 6 and 12, the maximum benefits coverage must not exceed the limit amount per confinement.
** When combining group 9 – 11, the maximum benefits coverage must not exceed the limit amount per policy year.
Note
1Day surgery refers to a major surgery, a surgical procedure performed instead of a major surgery, or the use of specialized equipment that can be applied in lieu of a major surgery, that does not require an overnight hospital stay.
2Minor surgery refers to a surgical procedure at the level of cutaneous, subcutaneous or epithelial tissue by applying local/topical anesthesia.
3Critical illness coverage - while the policy is in force, and the Insured is first diagnosed and confirmed with critical illness under the critical illness definition after the waiting period of this rider, the Company shall double the maximum benefits as specified in this rider’s benefits table for following benefits in the event that the Insured has been treated for a critical illness:
- The maximum benefits in group 2 and group 3 - 6 and 12 as per confinement, excluding the benefits in sub-group 2.4.
- The maximum benefits in group 9 - 11 as per policy year.
The maximum benefits will increase in a policy year when the insured receives treatment for critical illness and will cover 3 consecutive policy years. A first policy year in which the Company will double the maximum benefit could refer to the following:
- Policy year when the Insured is first hospitalized due to critical illness or
- Policy year when the Insured has a day surgery for the first time due to critical illness or
- Policy year when the Insured has a mass examination for the first time which was later diagnosed as a critical illness, whichever is earlier.
However, the Company will increase the critical illness benefit up to one time per critical illness under the critical illness definition of the following:
- Acute Heart Attack
- Major Stroke
- Coronary Artery By-pass Surgery
- Invasive Cancer
- Major Organ Transplantation or Bone Marrow Transplantation
- Surgery to the Aorta
Waiting Period of Health Saver rider
- Any illnesses occurring within 30 days following the date on which this rider is issued or reinstated, whichever is later or
- Any of the following illnesses occurring within 120 days following the date on which this rider is issued or reinstated, whichever is later:
- All types of Hernia
- Pterygium or Cataract
- Tonsillectomy or adenoidectomy
- Endometriosis
Pre-existing Condition of the Health Saver rider
The Company shall not pay any benefit under this rider for chronic disease, injury or illness (including any complication arising therefrom) that is not cured before the contract effective date except:
- If the Insured has informed the Company and the Company agreed to underwrite the risk without any exclusion, or
- Chronic disease, injury or illness (including complication) has not shown any symptom and has never been examined or diagnosed by physician or the Insured has never visited or consulted with the physician within 5 years before this rider became effective for the first time and within 3 years after this rider became effective for the first time.
Limitation of this rider’s Coverage Place Liability provides coverage for medical treatment incurred in Thailand.
In case of medical treatments that take place outside of Thailand’s territory, the Company will provide coverage specifically according to the benefits table as follows:
- Physical injuries from accidents
- Emergency illnesses in overseas in accordance with the definitions specified in this rider
For the 2 coverages mentioned above, the first hospitalized date overseas must fall within the first 90 days of travelling outside of Thailand’s territory for each trip. The Company will provide coverage for the necessary and appropriate expenses incurred from the medical treatments in accordance with the medical necessity and standards on a country-by-country basis.
Emergency illnesses in overseas refers to:
- Injury or sudden illness that is life-threatening, for which, if timely medical action to treat the respiratory system circulatory system or nervous system is not received, patients have a high chance of dying, or which will exacerbate the injury or illness of an emergency patient or cause a sudden complication, such as "cardiac arrest", apnea, "shock" from severe blood loss, continuous convulsions or convulsions until cyanosis, lethargy, unconsciousness, severe chest pain from a blocked coronary artery that requires thrombolytic medication, immediate cerebrovascular symptoms that requires fibrinolytic drugs, heavy and persistent bleeding, etc. or
- Injury or illness which is very acute or severe pain that may require urgent medical action. If left untreated, the injury or illness of the emergency patient will be severe or cause complications which can result in death or later disabilities, such as body temperature below 35 degrees Celsius or above 40 degrees Celsius, pulse slower than 40 or faster than 150 beats/minute, systolic blood pressure below 90 mmHg or diastolic greater than 130 mmHg, difficulty breathing or shortness of breath, especially if combined with other clinical features such as unconsciousness, convulsions, paralysis, blindness, sudden deafness, severe blood loss very pale or green complexion, extreme pain or excruciating pain, hands and feet are cold and sweaty, etc., including accidents, especially very large or multiple wounds, such as major multiple fractures, burns, back injury with or without spinal cord damage, etc.
Some Exclusions of Health Saver rider
- 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, cosmetic surgery to address wounds suffered from an accident that took place during the policy contract will be covered.
- Pregnancy, miscarriage, abortion, delivering a child, complications of pregnancy, infertility issues (including investigation and treatment), sterilization or birth control except choriocarcinoma.
- 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.
- Any treatments that are not modern western medicine including alternative medicine.
- 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.
Requirement
Insurable age: 11 years - 75 years
Coverage period*: Until the age of 99
Premium payment period*: Until the age of 99
Sum assured: 4 plans (200,000 baht / 300,000 baht / 400,000 baht / 500,000 baht)
Payment mode: Annually / Semi-annually / Quarterly / Monthly
*One-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 insurance approval consideration and renewal when reaching the policy’s anniversary subject to the Company’s conditions.
Coverage period*: Until the age of 99
Premium payment period*: Until the age of 99
Sum assured: 4 plans (200,000 baht / 300,000 baht / 400,000 baht / 500,000 baht)
Payment mode: Annually / Semi-annually / Quarterly / Monthly
Premium Rates
Standard annual insurance premium** (depending on gender, age, payment mode and insurance plan)
|
Gender |
Age (years) |
Annual Premium (baht) |
|||
|
Plan 200,000 |
Plan 300,000 |
Plan 400,000 |
Plan 500,000 |
||
|
Female |
11 – 75 |
7,400 – 54,200 |
9,700 – 68,100 |
12,000 – 95,300 |
15,000 – 117,000 |
|
Male |
11 - 75 |
6,900 – 53,700 |
8,400 – 67,400 |
10,400 – 94,400 |
13,400 – 115,800 |
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.
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. (66) 0 2353 8855, Website www.aia.co.th
AIA Company Limited Tel. (66) 0 2353 8855, Website www.aia.co.th
Notes
- Health Saver rider is the marketing name of AIA Health Saver rider.
- If the premium is paid monthly, the first payment will include an advance payment of two months.
- Life insurance 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). An eligible portion of a 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.
- 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 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.
- The English version is unofficial translation of the original Thai version for reference only and has no legal binding as the protective control.
TOOLS & ASSISTANCE
We are ready to help you.
TOOLS & ASSISTANCE
We are ready to help you.
This Website uses cookies to provide you with the best experience and to improve the Bank’s website services in order to better serve your requirements. You can find the details about cookies use on
Cookies Policy
