Key Benefits
Cash Returns
Receive an annual cash return of 5% of the sum assured from the end of the 1st - 14th policy year.
On maturity
Receive cash return of 1,050%* of the sum assured
Receive
Coverage up to 250%*** of the sum assured
- Coverage in case of death during the contract of up to 1,050%*** of the sum assured
- No medical examination required, just answer a short health question
Additional Information
Coverage and Benefits
|
Coverage |
Benefits |
|
If death occurs during the policy period.
|
Receive benefits as a % of sum assured
|
|
In the case of contracting any of the 5 critical illnesses** Receive benefits according to the policy year in which the critical illness was diagnosed. |
|
|
In case of survival until maturity date |
|
* In case of survival until maturity date, the Insured will receive up to 875% of the sum assured together with the special cash return of 175% of the sum assured.
**Coverage is provided upon diagnosis of five critical illnesses: Invasive Cancer, Acute myocardial infarction from ischemia, stroke, Alzheimer's disease, and Parkinson's disease. Coverage begins after a 90 day waiting period from the effective date of the rider contract. The Company will pay benefits only once, and this critical illness coverage will immediately end
***For policy years 10-15 only.
Requirements
- Insurable age: Newborn - 65 years
- Coverage period: 15 years
- Premium payment period: 10 years
- Sum assured: 20,000 baht - no limit*
- Payment mode: Annually / Monthly
- Insurance Consideration: No medical examination required, just answer a short health question
- Attaching rider contracts: No rider contracts can be attached.
*The sum assured under the rider contract covering 5 critical illnesses 15/10 for all policies combined is not more than 2,000,000 baht per insured person, and when combined with other rider contracts covering critical illnesses, all policies and all sales channels, is not more than 10,000,000 baht per insured person.
Premium Rates
Per sum assured of 1,000 baht for both males and females
|
Sum Assured (baht) |
Age (years) |
||
|
Newborn -50 |
51 - 60 |
61 - 65 |
|
|
20,000 - 49,999 |
998 |
998 |
998 |
|
50,000 - 99,999 |
969 |
969 |
969 |
|
100,000 or higher |
959 |
964 |
964 |
For age calculation of the Insured, a fraction of more than 6 months shall be counted as a full year.
Example Insurance Coverage
Male, aged 40 years. Sum assured 100,000 baht. Coverage period 15 years. Premium payment period 10 years
|
Policy Year |
Annual Premium (baht) |
Life Coverage(baht) |
|||
|
Life Benefit (annual cash payment)* (baht) |
All cases of death |
Critical Illness Coverage 5 Critical Illnesses** |
|||
|
1 |
95,900 |
5,000 |
105,000 |
25,000 |
|
|
2 |
95,900 |
5,000 |
210,000 |
50,000 |
|
|
3 |
95,900 |
5,000 |
315,000 |
75,000 |
|
|
4 |
95,900 |
5,000 |
420,000 |
100,000 |
|
|
5 |
95,900 |
5,000 |
525,000 |
125,000 |
|
|
6 |
95,900 |
5,000 |
630,000 |
150,000 |
|
|
7 |
95,900 |
5,000 |
735,000 |
175,000 |
|
|
8 |
95,900 |
5,000 |
840,000 |
200,000 |
|
|
9 |
95,900 |
5,000 |
945,000 |
225,000 |
|
|
10 |
95,900 |
5,000 |
1,050,000 |
250,000 |
|
|
11 |
- |
5,000 |
1,050,000 |
250,000 |
|
|
12 |
- |
5,000 |
1,050,000 |
250,000 |
|
|
13 |
- |
5,000 |
1,050,000 |
250,000 |
|
|
14 |
- |
5,000 |
1,050,000 |
250,000 |
|
|
15 |
- |
- |
1,050,000 |
250,000 |
|
|
Total Premium Paid |
|
959,000 |
|||
|
Total annual cash returns of 70% of the sum assured |
70,000 |
||||
|
Maturity benefits + Special cash returns of 1,050%* of the sum assured |
1,050,000 |
||||
|
Total benefits of 1120% of the sum assured |
1,120,000 |
||||
|
Net benefits |
|
|
161,000 |
||
* In case of survival until maturity date, the Insured will receive up to 875% of the sum assured together with the special cash return of 175% of the sum assured.
**Coverage is provided upon diagnosis of five critical illnesses: Invasive Cancer, Acute myocardial infarction from ischemia, stroke, Alzheimer's disease, and Parkinson's disease. Coverage begins after the 90 days waiting period from the effective date of the rider contract. The Company will pay benefits only once, and this critical illness coverage will immediately end
How to apply
To apply, simply fill out an application form at any Bangkok Bank branch and hand it in along with the required documents.
For more information, please contact any Bangkok Bank branch or call Bangkok Bank Call Center 1333 or Bangkok Life Assurance Public Company Limited on 0 2777 8888 or visit www.bangkoklife.com
Gain 1st Savings & Care 15/10 is the marketing name of Gain 1st 15/10 and 5 Critical illnesses 15/10 Rider
- Insurance premiums are eligible for personal income tax deductions in line with Revenue Department conditions
- Insurance products offered by the Bank are not the same as a deposit. In the event of early redemption, customers may receive returns less than the paid premiums, depending on the date the early redemption is made
- The Insured should read and study the terms and conditions carefully before deciding to buy insurance.
- Bangkok Bank is a life insurance broker, acting as an agent between customers and Bangkok Life Assurance. Bangkok Life Assurance conditions apply to insurance approval
- The medical checkup is according to the terms and conditions of Bangkok Life Assurance.
- 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.
- The content on the website is only a preliminary example of the coverage conditions and benefits. Please study the details, terms and conditions of coverage specified in the insurance policy issued to the policyholder.
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