Coverage and Benefits
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| Coverage | Benefits |
| 1. If death occurs during the policy period | Receive the following benefit, whichever amount is greater: 1. 100% of the sum assured 2. Cash surrender value 3. Accumulated basic premium the company has received. In the case that sum assured is decreased while the policy is in force, premiums received prior to the decrease in sum assured will be reduced in the same proportion. If the Insured dies during the policy year, the company will calculate the premiums based on a full year premium. |
| 2. If no death occurs during the policy period | Receive the following benefit, whichever amount is greater: 1. 100% of the sum assured 2. Cash surrender value 3. Accumulated basic premium the company has received. In the case that sum assured is decreased while the policy is in force, premiums received prior to the decrease in sum assured will be reduced in the same proportion. |
| Accidental Death Benefit (ADB) Rider | |
| Accidental death | If the Insured is injured due to an accident and dies from the injury sustained in that accident within 180 days from the date the accident occurs, the Insured will receive an accidental death benefit equal to 100% of the sum assured from the rider. |
| Terminal Illness Benefit (TI) Rider | |
| Terminal illness | If the Insured is first diagnosed and/or confirmed by a specialized medical practitioner that their sickness or injury will place the Insured in a terminal illness condition, the Insured will receive the following: 1. Terminal illness benefit• Receive a terminal illness benefit corresponding to the death benefit of a basic plan to which this rider is attached. The sum assured of this rider will be paid in proportion to the sum assured of basic plan. • If the terminal illness benefit is paid out, the sum assured of the life insurance policy will be reduced by the amount of the sum assured of this rider which will also reduce of benefits in the life insurance policy. Before the benefit is paid out, the company has the right to deduct any outstanding liabilities (if any). 2. Waiver of premium benefitThe Company will waive the basic premium if the Company has paid the terminal illness benefit as above. Other riders attached to this policy (if any) will still be in force as long as premium payments on these riders continue. |
Notes: Terminal illness is a diagnosis result or major injury that cannot be cured and consists of all the following conditions:
- An illness condition diagnosed by a medical practitioner with no specific treatment plan for its condition.
- A treatment plan that can only reduce the pain or symptoms of the Insured’s last life stage.
- The Insured is diagnosed with having last 12 months to live from the date of diagnosis by a specialized medical practitioner.
Requirements
- Insurable age: 15 days - 75 years
- Coverage period: Whole life (until the age of 99)
- Premium payment period: 8, 12 or 16 years
- Sum assured
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Policy / Riders Sum Assured per Person (baht) 1. Be Together Beloved+ Life Insurance 300,000 - 9,999,999 baht 2. Accidental Death Benefit (ADB) Rider 100% of the sum assured of Be Together Beloved+ Life Insurance (Maximum of 10 million baht per one insured person) 3. Terminal Illness Benefit (TI) Rider 90% of the sum assured of Be Together Beloved+ Life Insurance (Maximum of 10 million baht per one insured person)
- 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 insurance premium rates per sum assured of 1,000 baht for the age of 15 days to 75 years (depending on gender, age, and payment mode)
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| Premium Payment Period | Annual Premium (baht) | |
| Female | Male | |
| 8 years | 23.07 - 167.15 | 29.02 - 186.81 |
| 12 years | 17.44 - 130.97 | 21.40 - 148.77 |
| 16 years | 15.32 - 118.59 | 17.41 - 139.47 |
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
Preferred Rates Discount
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| Sum Assured | Preferred Rates Discount per 1,000 baht |
| 500,000 - 699,999 baht | 1 baht |
| 700,000 or higher | 1.50 baht |
Riders
Additional peace of mind with Riders attached
- Medical coverage and daily compensation
- Critical illnesses coverage
- Accident coverage
- Financial stability coverage with a waiver of premiums
Click here to view more details
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