Coverage and Benefits

Summary of Benefits

Example of Daily Hospitalization Benefit (baht)

Plan HB 400

Plan HB 800

Plan HB 1000

Plan HB 1500

Plan HB 2000

Plan HB 3000

In case of inpatient hospitalization due to illness or injury caused by accident, a daily hospital cash benefit is payable according to the period of hospitalization (Maximum 365 days)







Additional Information

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
Some Exclusions of HB 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.
  3. General health check-up
  4. The Insured is under surgical or other treatment for cosmetic or skincare purposes.
  5. Pregnancy, miscarriage, child delivery, obstetric complications, solutions to infertility problems (including investigations and treatments), and contraception
  • Insurable age: 6 - 55 years
  • Coverage period: Until the age of 60 or until the basic plan has expired
  • Premium payment period: Until the age of 60 or until the basic plan has expired
  • Maximum sum assured per an insured person: 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 6 - 55 (depending on age and payment mode, excluding increased premiums due to health conditions and occupation).

Age (years)

Annual Premium (baht)
Female / Male

6 - 15


16 - 55


The above premium rates apply to those of occupational classes 1 and 2.

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.