Coverage and Benefits

Notes

(1) Coverage of Critical illnesses early to intermediate stage i.e. Non-Invasive Cancer / Carcinoma in Situ).

(2) Coverage of Severe Stage Critical illnesses under this rider i.e. Invasive Cancer, Acute Heart Attack, Major Stroke, Coma and Chronic Kidney Failure.

(3) In case of death, the Company will pay according to sum assured stated in the policy table or endorsement (if any) to the beneficiary and the policy will become ineffective immediately.

(4) If the policy has not been lapsed or cancelled during the policy year and the Insured or the beneficiary (depending on the details of the case) does not file a clam or receive a claim while the policy is in-force until maturity the Company will pay a 50% benefit of the received final year premium to the Insured or the beneficiary at the maturity date. If the Company has paid no claim benefit to the Insured but the Insured files a claim under benefits (1) and/or (2) and/or (3) afterwards, the Company will pay benefits under (1) and/or (2) and/or (3) less no claim benefit and other liabilities (if any) to the Insured or the beneficiary (depend on case).

(5) The first premium to be waived is the premium due after the Insured is first Diagnosed and/or confirmed by a medical practitioner, during the time when the Insured is alive, that the Insured has any of the critical illnesses according to notes (1) and (2) and policy will remain in effect.

Waiting period for critical illness coverage and hospital daily allowance for inpatient hospitalization due to critical illness

Critical illness coverage and hospital daily allowance for inpatient hospitalization due to critical illness will NOT be applied if illness or disorder confirmed by doctor and with clear evidence that it is related to critical illness under this policy condition that occurs 90 days before the effective date of this contract or latest effective contract renewal date whichever date occurs after.

Some exceptions for critical illness coverage and hospital daily allowance for inpatient hospitalization due to critical illness

1. Other illnesses that are not included in the critical illness definition in this policy.
2. Disorders confirmed by doctor and with clear evidence that it is related to critical illness, or critical illness that exists before the effective date of this contract or before contract renewal date whichever occurs after. Except the Insured declares to the Company and the Company accepts the risk without exception of such coverage.
3. Suicide, self-inflicted injury or an attempt to take such actions.
4. Inhale, eat, drink, inject or induce poisonous substances into the body while being conscious or mentally ill or not.
5. The Insured refuses medical treatments, advice or follow doctor’s instructions. Injury, inflicted by the Insured while under the influence of alcohol, addictive substance or drug

Requirements and conditions

• Insurable age: 20 - 60 years
• Coverage period: 5 years
• Premium payment period: 5 years
• Coverage 3 plans (500,000/750,000/1,000,000)
  • (Maximum sum assured 1,000,000 baht per life (including in-force BT Smart Care policy))

• Payment mode: Annually / Monthly

Annual Premium Rate

Standard annual insurance premium for 20-60 year of age (depending on gender, age, payment mode and insurance plan)

Example of annual premium rate

Payment Method

• Deduction from Saving or current account
• Deduction from Credit card VISA / Master Card of Bangkok Bank registered with mobile banking

How to Apply

To apply for Be Together Smart Care via mobile banking, click “Apply” in below tab and select “Insurance” or contact Bangkok Bank branches or call 1333 or AIA Company Limited Tel. 0 2353 8855 Website www.aia.co.th