Coverage and Benefits
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Important conditions of Health Happy For Kids rider

Waiting Period
 

  1. Any illnesses occurring within 30 days following the date on which this contract is issued or reinstated, whichever is later.

  2. The following illnesses occurring within 120 days following the date on which this contract is issued or reinstated, whichever is later:

    • All types of Hernia
    • Pterygium or Cataract
    • Tonsillectomy or Adenoidectomy
    • Endometriosis
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Some Exclusions of Health Happy For Kids rider

This rider coverage does not cover an expense from a treatment or any damage that occurred from an injury or an illness (including complications) symptoms or abnormalities from

  1. Conditions that are caused by congenital abnormalities, or congenital organ system defects, or genetic disorder, or growth development abnormalities but except for when this rider is effective no less than 1 year and the conditions appear after the Insured has fully reaches 16 years.
  2. Pregnancy, miscarriage, abortion, child delivery, obstetric complications, solutions to infertility problems (including investigations and treatments), sterilization and contraception except for Choriocarcinoma.
  3. Treatments of eyesight abnormalities, Lasik surgery, expenses for devices to assist defective eyesight or treatments of vision abnormalities.
  4. Treatments or rehabilitation for narcotics, cigarettes, alcoholic drinks, or substances affecting mental conditions.
  5. Any treatments that are not modern western medicine including alternative medicine.
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Requirements

12One-year coverage period and one-year premium payment period. The Insured can renew the contract by not exceeding the maximum coverage period of this rider. The company’s conditions apply to insurance approval.

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Premium Rates

Standard annual premium rates (depending on gender, age, payment mode, and insurance plan).

 

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Gender Age (Years) Annual premium (baht) Deductible 10,000 baht plan per policy year
Plan 1 MB Plan 5 MB Plan 15 MB Plan 25 MB
Female 15 days – 10 24,600 - 47,600 34,500 - 64,400 47,700 - 88,500 67,900 - 123,000
Male 15 days – 10 28,600 - 53,500 39,400 - 73,900 58,500 - 104,700 82,500 - 143,000

 

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Gender Age (Years) Annual premium (baht) Deductible 30,000 baht plan per policy year
Plan 1 MB Plan 5 MB Plan 15 MB Plan 25 MB
Female 15 days – 10 11,000 - 27,600 17,500 - 44,400 29,700- -68,400 49,900 - 103,000
Male 15 days – 10 14,500 - 33,500 22,400 - 53,900 40,500 - 84,600 64,500 - 123,000

 

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Gender Age (Years) Annual premium (baht) First dollar plan
Plan 1 MB Plan 5 MB Plan 15 MB Plan 25 MB
Female 11 – 98* 14,400 - 277,800 18,200 - 339,700 21,600 - 495,000 27,900 - 642,900
Male 11 – 98* 13,500 - 270,500 16,500 - 330,300 20,100 - 484,200 26,200 - 630,700

 

*Premium rates from 11 to 98 years are applicable for only during the renewal year.

A rider is a one-year insurance contract that is renewable. To renew this rider, the Company reserves the right to change the Insuring Agreement, such as adding a Copayment condition according to the rate and criteria as specified in the rider contract and reserves the right to adjust the premium rate in a policy year due to various factors such as age, occupational class, historical claim payments of the Company, etc. For medical riders, there may be other factors such as higher medical expenses or historical claim payments of the portfolio. Such adjustment of premium rate is subject to approval of the Registrar.

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How to apply

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

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