Coverage and benefits
one
header-light-blue
Coverage Benefits
If the Insured is still alive
1. Cash coupon
  • While the Insured is alive the Company will pay a cash coupon as follows
    {{Sum_assured}}

If the policy converts to either ETI or RPU the Company will not pay the dividend.
2. Maturity benefit

The Company will pay the following benefit, whichever amount is greater:

  • 745% of the sum assured as specified in the policy or endorsement (if any), or
  • Cash surrender value, or
  • 101% of the basic premium that the Company has received minus the value of cash coupons that the Company has paid in total (if any)

    In the event that the sum assured decreases while the policy is in force, premiums received prior to the decrease will be reduced in the same proportion.
3. Dividend*
  • The Company will pay dividends at the end of the policy year from the second policy year onwards.
In case of death
1. If death occurs during the policy period

The Company will pay the following benefit, whichever amount is greater:

  • Percentage of the sum assured as specified in the policy or endorsement (if any) as follows,
    {{Policy_year}}

or

  • Cash surrender value, or
  • 101% of the basic premium that the Company has received minus the value of cash coupons that the Company has paid in total (if any)

In the event that the sum assured decreases while the policy is in force, premiums received prior to the decrease 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.
two
nested-table,header-center-aligned,cells-center-aligned
Sum_assured
At the end of policy year Of the sum assured
2 – 7 1%
8 100%
9 – 19 1%
header-center-aligned,cells-center-aligned,nested-table
Policy_year
Policy year Of the sum assured
1 110%
2 210%
3 310%
4 410%
5 510%
6 610%
7 710%
8 – 20 810%

 

Notes

* The Company will pay dividends at the end of the policy year from the second policy year onwards until the maturity date provided that the policy is still in effect and the Insured is still alive until the end of the policy. The dividend payment, dividend rate, and/or the amount of dividend is not guaranteed. There may be years when no dividend will be paid. When the Company pays a dividend, it has the discretion to decide the dividend rate and/or the amount that it considers appropriate. However, if the policy converts to either ETI or RPU, the Company will not pay a dividend.

is-subnav-section
false
Requirements

Insurable age:  15 days - 70 years
Coverage period:  20 years
Premium payment period: 8 years
Sum assured:  Minimum 50,000 baht - unlimited Subject to the underwriting criteria of AIA Co., Ltd
Payment mode:  Annually / Semi-annually / Quarterly / Monthly
Underwriting questionnaire (SIO):  No health examination; only required to complete a short Subject to the underwriting criteria of AIA Co., Ltd
Rider attachment:  Rider attachable

is-subnav-section
false
Premium rates

Standard insurance premium rates for male and female (depending on payment mode)

header-center-aligned,cells-center-aligned,border-black,header-light-blue
Insurable age Annual premium rate per sum assured of 1,000 baht
15 days – 70 years 999 baht

 

Estimated calculation of premium payment mode

is-subnav-section
false
Riders

Get peace of mind by attaching Riders

Click here to view more details

AIA Co., Ltd. May make changes to attachable riders at a later date and customers will be notified in advance at the via the Bank’s website.

How to apply

Seek consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, or Bangkok Bank Call Center 1333
AIA Company Limited at 0 2353 8855, Website www.aia.co.th
Assured by AIA Company Limited

is-subnav-section
false