Coverage and Benefits

 
Notes: 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.

Death Benefit of AIA Term 85 (Non Par)

While the policy is in force and has not been converted to ETI according to the right of policy value as indicated in the policy, the Company shall pay death benefit up to the highest amount among the following:

1. Sum assured as indicated in the policy or endorsement (if any)
2. Cash surrender value
3. Total paid premium amount that the Company has received

In addition, in the case that the sum assured amount is reduced while the policy is in force, the total premium will be decreased proportionately to the reduced sum assured.

If the Insured dies during the policy year, the Company will calculate the premiums based on a full year premium.

Important Conditions of AIA Term 85 (Non Par)

1. The Insured may cancel the policy within fifteen (15) days after receiving the policy. The premium will be refunded less health checkup expense and management fee of 500 baht. In case of e-policy, the premium will be refunded in full. However, if the Insured has already submitted the claim, and the Company endorses such reimbursement, the Insured will not be able to cancel this policy.
2. The Insured has the right to cancel the policy when the policy is effective and has surrender value as stated in the policy conditions.
3. The Company will not cover the following cases:

3.1 Void a Contract where certain facts have been concealed, or a false statement has been given. The Company shall not contest or object to the invalidity of the policy contract after it has been in effect while the Insured is still alive for two (2) years or more from the Policy effective date, or, in the case of reinstatement, from the effective date of the Policy last reinstatement, or, in cases where the sum assured has been increased, from the day the Company approves such increase in the sum assured, but only with respect to the increased sum assured, except where the Insured has no insurable interest, or where the age of the Insured declared is not true, and their true age is beyond the premium rate limit according to normal business practice.

3.2 The Insured commits suicide within 1 year from the effective date of the Policy, or the effective date of the last reinstatement, or from the day the Company approves an increase in the sum assured, but only with respect to the sum assured that has been increased, or if the Insured is murdered by a beneficiary.

Waiting Period of AIA e-Smart Health Rider

• Any illnesses occurring within 30 days following the date on which this rider is issued or reinstated, whichever is later.
• Any of the following illnesses occurring within 120 days following the date on which this rider is issued or reinstated, whichever is later for the following illnesses all types of Hernia, Pterygium or Cataract, Tonsillectomy or adenoidectomy and Endometriosis.

Some exclusions of AIA e-Smart Health Rider

• Conditions resulting from congenital disorders or incomplete organ forming system in the body, or genetic disorders or physical development abnormalities, unless this rider has been effective for one year or more and the symptom occurs after the Insured is fully 16 years old.
• The Insured is under surgical or other treatment for the purposes of cosmetic, skincare, acne, melasma, freckle, dandruff, hair loss or weight loss, or an optional surgery; however, cosmetic surgery to address wounds suffered from an accident that took place during the policy contract will be covered.
• Pregnancy, miscarriage, abortion, delivering a child, complications of pregnancy, infertility issues (including investigation and treatment), sterilization or birth control except choriocarcinoma.
• Examination and treatment or prevention of ageing by using drugs or substances, delivery of hormone replacements for pre-menopausal or menopausal women, treatment of infertility in men and women, treatment of sexual abnormalities and gender transformation.
• Standard health examination, inpatient hospitalization request or surgery request, recovery after hospitalization whether for rehabilitation or resting or staying in hospital to get medical assistance, examination or treatment which is non-related to an illness which is a cause of hospitalization, injury or illness diagnosis, treatment or examination to investigate cause of disease which is not a medical necessity or does not meet

Requirements

• Insurable age*: 20 - 60 years
• Coverage period*: Until the age of 85
• Premium payment period: Until the age of 85
• Coverage plan

(1 policy per person excluding other inforce policy)

• Payment mode: Annually / Monthly
• No medical examination, only answer short health questions
  
  *The AIA e-Smart Health rider has a one-year coverage period and a one-year premium payment period. The Insured can renew the contract by not exceeding the maximum coverage period of this rider. The insurance approval consideration and renewal when reaching the policy’s anniversary subject to the Company’s conditions.

Premium rates

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

How to apply

To apply for Be Together for Health 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