Coverage and Benefits
| Benefits | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | Plan 6 |
| 1. Death benefit1 or maturity benefit2 | 500,000 | 750,000 | 1,000,000 | 1,500,000 | 2,000,000 | 3,000,000 |
| 2. Additional death benefit | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 | 50,000 |
| 3. Inpatient hospitalization per day3 | ||||||
| 3.1 Hospital daily allowance – inpatient hospitalization (including day cases) maximum 365 days per confinement | 1,000 | 1,500 | 2,000 | 3,000 | 4,000 | 6,000 |
| 3.2 Hospital daily allowance – admitted in the ICU/CCU maximum 30 days per confinement | 2,000 | 3,000 | 4,000 | 6,000 | 8,000 | 12,000 |
| Maximum hospital daily allowance under items 3.1 and 3.2 shall not exceed 365 days per confinement | ||||||
| 3.3 IPD medication expenses per confinement (including day cases) | 1,000 | 1,500 | 2,000 | 3,000 | 4,000 | 6,000 |
| 3.4 Maximum reimbursement for IPD surgery4 (for surgeon fees, anesthetist fees, operation theatre and operation equipment fees) per confinement. The actual amount will be paid but should not exceed the amount stated in the plan. | 75,000 | 112,500 | 150,000 | 225,000 | 300,000 | 450,000 |
Notes
1 Death benefit equals to the sum assured deducted by the total amount of past medical claims paid (under item 3 in the above table) (if any).
2 Living benefit equals to the sum assured deducted by the total amount of past medical claims paid (under item 3 in the above table) (if any).
3 The Company will pay a benefit for the maximum hospital daily allowance not exceeding the sum assured deducted by the total amount of past medical claims paid (if any).
4 IPD surgery refers to any surgery that requires general anesthesia or spinal anesthesia performed by an anesthetist and patient must be admitted to stay overnight in the hospital.
Benefits for Inpatient Treatment without Staying Overnight in Hospital (Day Case Benefits)
With the evolution of advanced medical technology, a number of surgical or medical procedures used in the diagnosis and treatment of diseases can be performed without requiring the patient to be admitted in the hospital. The Company will pay a daily cash benefit for the following 18 day cases of surgical or medical procedures:
- Extracorporeal Shock Wave Lithotripsy (ESWL)
- Coronary Angiogram / Cardiac Catheterization
- Extra Capsular Cataract Extraction with Intra Ocular Lens
- All Types of Laparoscopic Surgery
- All Types of Endoscopy
- Sinus Operations
- Excision Breast Mass
- Bone Biopsy
- Amputation
- Liver Puncture / Liver Aspiration
- Bone Marrow Aspiration
- Lumbar Puncture
- Thoracentesis / Pleuracentesis / Thoracic Aspiration / Thoracic Paracentesis
- Abdominal Paracentesis / Abdominal Tapping
- Curettage, Dilatation & Curettage, Fractional Curettage
- Colposcope, Loop Diathermy
- Marsupialization of Bartholin’s Cyst
- Gamma Knife Radiosurgery
Requirements
- Insurable age: 20-55 years
- Coverage period: Until the age of 80
- Premium payment period: Until the age of 60
- Sum assured: 6 plans available (500,000 baht / 750,000 baht / 1,000,000 baht / 1,500,000 baht / 2,000,000 baht / 3,000,000 baht)
- Payment mode: Annually / Semi-annually / Quarterly / Monthly
Waiting Period
The Company shall not pay any benefits under the following circumstances:
- Any illnesses occurring within 30 days following the date on which the contract is issued or reinstated, whichever is later.
- The following illnesses occurring within 120 days following the date on which this contract is issued or reinstated, whichever is later: Hernia, Pterygium or Cataract, Tonsillectomy or Adenoidectomy, and Endometriosis.
Examples of Exclusions
- The Insured committed suicide within one year, from the policy effective date or the latest reinstatement date, or is murdered by the beneficiary.
- The Insured suffers from a chronic disease, illness, or any injury that is not treated before the contract’s effective date or, before the effective date of the latest reinstatement, whichever is later, or a congenital disease, a developmental problem or a genetic disorder.
- 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, the cosmetic surgery to address wounds suffered from an accident under the policy contract will be covered.
- The Insured receives vision-related treatment, or a LASIK procedure, or incurred expenses related to vision-aid or vision-correction equipment.
- Other treatments besides conventional medicine including alternative medicine.
Premium Rates
Standard insurance premium rates for the age of 20 - 55 (depending on gender, age, payment mode and insurance plan)
| Gender | Annual Premium (baht) | |||||
| Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | Plan 6 | |
| Female | 7,210 - 75,030 |
10,815 - 112,545 |
14,420 - 150,060 |
21,630 - 225,090 |
28,840 - 300,120 |
43,260 - 450,180 |
| Male | 7,585 - 81,895 |
11,377.50 - 122,842.50 |
15,170 - 163,790 |
22,755 - 245,685 |
30,340 - 327,580 |
45,510 - 491,370 |
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