Key Benefits
- Covers inpatient benefits and outpatient benefits.
- Available in Kids Plan (Begin / Step Up) and Adult Plan (Begin / Balanced), offering up to 5 coverage plans.
- Flexible protection, peace of mind and affordable premiums. Select a plan to determine copayment1.
- Available for treatment at both In-network and Out-of-network hospitals²
- Additional outpatient (OPD) benefits per policy year for Plan 2 and above.
- For Kids Plans (insured aged 15 days - 10 years), the Step-Up option may be selected on the application date and will automatically switch to the Balanced³ copayment arrangement when the Insured reaches the age of 11.
- Eligible health insurance premiums are tax-deductible, in line with the Revenue Department's conditions.
Notes
1Copayment is the joint liability between the Company and the Insured for medical expenses, according to any payable benefits after deductibles (if any). Copayment applies only to Section Group 1 – 13 of the benefit table under this rider and does not include benefits under any other endorsement (if any).
In cases involving copayment, the Company shall consider the copayment rate applicable to in-network hospitals if any of the following conditions are met:
1. For each inpatient admission, if the hospital’s status on either the first day of admission or the discharge date is classified as in-network; or
2. If the hospital’s status on the date of outpatient treatment is classified as in-network.
However, the Company shall apply the copayment as if the treatment were received at an in-network
hospital under any of the following conditions:
- The Insured receives Emergency Medical Treatment as defined by the Company; or
- The Insured receives continuous inpatient care under the same confinement, or receives medical services for diagnosis directly related to before and after the admission as Inpatient – all of which must take place at the same hospital where the Insured previously made copayment (if any) under in-network hospital coverage; or
- The Insured receives approval for medical treatment through Pre-Authorization Result at an in-network hospital, and the specified treatment is received at the specified hospital within the approved timeframe.
2The selection of in-network and out-of-network hospitals designated by the Company will affect the copayment amount payable by the Insured from the first policy year onwards, depending on the coverage option selected.
3Copayment responsibility is reduced compared with the Begin plan.
Additional Information
Coverage and Benefits
Coverage Plans and Benefits for Kids
|
Plan 1 / Plan 2 / Plan 3 / Plan 4 / Plan 5 |
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|
Kids Plan Age 15 days – 10 years |
Copayment |
Begin |
Step Up1 |
|
In-Network Hospital |
10%2 |
10%2 |
|
|
No copayment is required automatically from the policy anniversary on which the Insured reaches the age of 11. |
|||
|
Out-of-Network Hospital |
30%2 |
30%2
|
|
|
20%² Automatically from the policy anniversary on which the Insured reaches the age of 11 |
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Benefit Kids Plan: Insurance coverage for ages 15 days – 10 years
Coverage Plans and Benefits for Adult
|
Plan 1 / Plan 2 / Plan 3 / Plan 4 / Plan 5 |
|||
|
(Adult Plan) Age 11 – 75 years |
Copayment |
Begin |
Balanced |
|
In-Network Hospital |
10%* |
- |
|
|
Out-of-Network Hospital |
30%* |
20%1 |
|
Benefit Kids Plan: Insurance coverage for ages 11 – 75 years
1Kids Plan: The Step Up option allows the coverage plan and benefits to be automatically converted from Begin to Balanced, including the copayment structure, from the policy anniversary on which the Insured reaches the age of 11. The Step Up option can only be selected on the application date.
2of expenses covered under the benefits table
Requirement and Condition
- Insurable age
- Kids Plan 15 days - 10 years
- Adult Plan 11 – 75 years
- Coverage period: Until the age of 99 or until the basic plan expires
- Premium payment period: Until the age of 98 or until the basic plan expires
- Coverage Plan: 2 types based on entry age, each offering 5 plans.
Available in 2 sub-plans, as follows:
|
Coverage Plan |
|
|
||
|
Insurable age |
15 days - 10 years |
11 – 75 years |
||
|
Plan 1 |
Begin |
Step Up |
Begin |
Balanced |
|
Plan 2 |
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|
Plan 3 |
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|
Plan 4 |
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|
Plan 5 |
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- Payment mode: Annually / Semi-annually / Quarterly / Monthly
- Underwriting rules: Standard Medical Examination and Health Questionnaire
Note
1Health Starter rider has a one-year coverage period and a one-year premium payment period. The Insured can renew this rider, provided that the renewal does not exceed the coverage period of the life insurance policy to which this rider is attached. Insurance approval, including renewal at each policy anniversary, is subject to the Company's conditions.
Premium
Begin and Step Up for males aged 15 days – 10 years¹
Annual Premium Rate Kids Plan: Begin and Balanced for females aged 15 days – 10 years1
Annual insurance premium for Adult Plan: Begin and Balanced plan, for males aged 11 to 75 years1
Begin and Balanced plan, for females with issue aged 11 – 75 years1
1The premium depends on the Insured's gender, age, and premium payment mode, and excludes any extra premiums resulting from health conditions or occupational
²Renewal Year
- Semi-annually = Annual premium rate x 0.51
- Quarterly = Annual premium rate x 0.27
- Monthly = Annual premium rate x 0.09
Waiting Period of Health Starter Rider
The Company shall not pay any benefits under this rider based on the following cases:
- Any illnesses occurring within 30 days from the effective date of this rider or the date on which the Company approves the additional benefits of this rider, whichever date is later; or
- Any of the following illnesses occurring within 120 days from the effective date of this rider or the date on which the Company approves the additional benefits of this rider, whichever date is later:
- All types of hernia
- Pterygium or cataract
- Tonsillectomy or adenoidectomy
- Endometriosis
In case where the Company approves an increase in the benefits, the Company will not provide coverage only with respect to the increased benefits. The Company will not apply the waiting period if the Insured has an injury or is required to undergo emergency surgery from a condition not related to a pre-existing condition.
Partial exclusion of Health Starter
- Conditions that are caused by congenital abnormalities, or congenital organ system defects, or genetic disorders, or growth development abnormalities.
- Esthetic enhancement treatment or cosmetic surgery or any other treatments for skin beauty purposes.
- Pregnancy, miscarriage, abortion, childbirth, obstetric complications, addressing problems with infertility (including investigations and treatments), sterilization, and contraception.
How to apply
Seek consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, or call 1333
Assured by AIA Co., Ltd.
Assured by AIA Company Limited
Notes
- Health Starter rider is the marketing name of AIA Health Starter - Balance/ Begin/ Begin-Balance rider 2025a/ 2025b/ 2025d.
- If the premium is paid monthly, the first payment will include an advance payment of two months.
- Insurance premiums are tax-deductible according to the Notification of the Director-General of the Revenue Department on Income Tax.
- 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.
- Bangkok Bank is a life insurance broker, acting as an agent between customers and AIA Company Limited. AIA Company Limited’s 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.
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