Coverage and Benefits

Coverage Plans and Benefits for Kids

 

 

 

 

 

Coverage Plans and Benefits for Adult

 

 

¹Kids Plan: The Step Up option allows the coverage plan and benefits to be automatically converted from Begin to Balanced, including the copayment structure, from the policy anniversary on which the Insured reaches the age of 11. The Step Up option can only be selected on the application date.
²of expenses covered under the benefits table

Requirement and Condition

• Insurable age

  • Kids Plan 15 days - 10 years
  • Adult Plan 11 – 75 years

• Coverage period: Until the age of 99 or until the basic plan expires
• Premium payment period: Until the age of 98 or until the basic plan expires
• Coverage Plan: 2 types based on entry age, each offering 5 plans.

 

Available in 2 sub-plans, as follows:

 

• Payment mode: Annually / Semi-annually / Quarterly / Monthly
• Underwriting rules: Standard Medical Examination and Health Questionnaire

Note
¹Health Starter rider has a one-year coverage period and a one-year premium payment period. The Insured can renew this rider, provided that the renewal does not exceed the coverage period of the life insurance policy to which this rider is attached. Insurance approval, including renewal at each policy anniversary, is subject to the Company's conditions.

Premium

Begin and Step Up for males aged 15 days – 10 years¹

 

Annual Premium Rate Kids Plan: Begin and Balanced for females aged 15 days – 10 years¹

 

Annual insurance premium for Adult Plan: Begin and Balanced plan, for males aged 11 to 75 years¹

 

Begin and Balanced plan, for females with issue aged 11 – 75 years¹

 

¹The premium depends on the Insured's gender, age, and premium payment mode, and excludes any extra premiums resulting from health conditions or occupational
^²Renewal Year

• Semi-annually = Annual premium rate x 0.51
• Quarterly = Annual premium rate x 0.27
• Monthly = Annual premium rate x 0.09

Waiting Period of Health Starter Rider

The Company shall not pay any benefits under this rider based on the following cases:

1. Any illnesses occurring within 30 days from the effective date of this rider or the date on which the Company approves the additional benefits of this rider, whichever date is later; or
2. Any of the following illnesses occurring within 120 days from the effective date of this rider or the date on which the Company approves the additional benefits of this rider, whichever date is later:

• All types of hernia
• Pterygium or cataract
• Tonsillectomy or adenoidectomy
• Endometriosis

 
In case where the Company approves an increase in the benefits, the Company will not provide coverage only with respect to the increased benefits. The Company will not apply the waiting period if the Insured has an injury or is required to undergo emergency surgery from a condition not related to a pre-existing condition.

Partial exclusion of Health Starter

1. Conditions that are caused by congenital abnormalities, or congenital organ system defects, or genetic disorders, or growth development abnormalities.
2. Esthetic enhancement treatment or cosmetic surgery or any other treatments for skin beauty purposes.
3. Pregnancy, miscarriage, abortion, childbirth, obstetric complications, addressing problems with infertility (including investigations and treatments), sterilization, and contraception.

How to apply

Seek consultation and advice for life insurance planning by contacting Bangkok Bank branches that offer this service, or call 1333
Assured by AIA Co., Ltd.