Coverage and Benefits

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22.8%, auto

Coverage	Benefits
1. If death occurs during the policy period	The Company will pay benefits in whichever amount is greater between: Sum assured {{payments}} or Cash surrender value, or 105% of total paid premium that the Company has received minus the amount of total coupon fees paid by the Company (if any). 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. Cash coupon	Receive coupon at the end of the policy year after the Insured reaches the age of 55 {{policy_year}} Receive a coupon at the end of the policy year after the Insured reaches the age of 60 {{policy_year1}} If the policy status is changed to RPU or ETI, the Insured will not receive a coupon as mentioned above.
3. If no death occurs during the policy period	200% of the sum assured

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payments

Policy year 1- 4	100% of the sum assured
Policy year 5 onward	200% of the sum assured

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policy_year

Policy year after the Insured reaches the age of (years)	Cash coupon (Of the sum assured)
55 – 59	5%
60 – 70	10%
71 – 80	15%
81 – 90	20%
91 - 98	25%

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policy_year1

Policy year after the Insured reaches the age of (years)	Cash coupon (Of the sum assured)
60 – 70	10%
71 – 80	15%
81 – 90	20%
91 - 98	25%

Requirements

Insurable age:

15 days – 45 years: receive a coupon at the end of the policy year after the Insured reaches the age of 55 onward
15 days – 50 years: receive a coupon at the end of the policy year after the Insured reaches the age of 60 onward

Coverage period: until the age of 99
Premium payment period: 8 years or until a policy year in which the Insured reaches the age of 55 or 60
Minimum sum assured: 100,000 baht – no limits (Subject to underwriting guidelines of AIA Company Limited)
Payment mode: Annually / Semi–annually / Quarterly / Monthly

Premium rates

Standard insurance premium rates per sum assured of 1,000 baht (depending on gender, age, and payment mode)

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Premium Payment Period	Age of 15 days – 45 years Annual Premium (baht)	Age of 15 days – 50 years Annual Premium (baht)
Premium Payment Period	Female/ male	Female/ male
8 years	131.72 – 436.83	124.21 – 470.64
Until a policy year in which the Insured reaches the age of 55	35.91 – 358.52	-
Until a policy year in which the Insured reaches the age of 60	-	32.65 – 386.27

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

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. 0 2353 8855 www.aia.co.th