Coverage and Benefits
| Coverage | Benefits |
| All cases of death | Receive benefits in 100% of sum assured or accumulated paid premiums, whichever amount is greater |
| Medical expenses for accidents | The Company pays for medical expenses for accidents as actually incurred. Maximum of 5,000 baht per time (no limit on the number of treatments) throughout the coverage term, up to 100,000 baht* |
| In the case of 5 critical illnesses** | Receive 50% of the sum assured |
| In the case of protection for insurance premium payers*** | Get a waiver of the premium for the main contract, Gain1st 15/10 for Kids in the event of the death or permanent total disability of the premium payers. |
| In case of survival until maturity date. | Receive benefits of 100% of sum assured or accumulated paid premiums, whichever amount is greater |
**Covers medical expenses incurred within 52 weeks from the date of the accident. This is limited to 1 contract per 1 insured person when including all Gain1st Savings & Care 15/10 for Kids policies.
*** Coverage is provided when five critical illnesses are diagnosed: rheumatic fever causing heart problems, Kawasaki disease causing heart complications, diabetes, and hydrocephalus (a late onset disease requiring a drainage tube), and hand, foot, and mouth disease with severe complications, before the Insured reaches the age of 21. Coverage begins after a 90-day waiting period from the effective date of the 5 Critical Illnesses Supplementary Policy 15/10 for Kids. The Company will pay only one critical illness benefit, and this critical illness coverage will immediately terminate. (The main policy and accident medical coverage will continue to provide coverage.)
**** For premium payers who are legal representatives or guardianship holders (e.g., mother and father) aged 20 – 55 and have been approved for insurance, if the premium payer dies or is diagnosed and/or confirmed by a doctor for the first time that they are permanently and totally disabled as defined in the supplementary policy, and the Company has received complete supporting evidence, the Company will provide coverage by waiving the premium payment of the Gain1st 15/10 for Kids, whereby the coverage period for the premium waiver is calculated from the shortest period between the premium payment periods of the life insurance policy to which this additional contract is attached, or the number of years in which the Insured will reach the age of 21, or the number of years in which the premium payer will reach the age of 65.
Requirements
- Insurable age: Newborn – 14 years
- Coverage period: 15 years
- Premium payment period: 10 years
- Sum assured: 100,000 baht - no limit
- Payment mode: Annually / Monthly
- Insurance Consideration: No medical examination required, just answer a short health question
- Attaching additional contracts: No additional contracts can be attached.
* The sum insured under the 5 Critical illnesses 15/10 for Kids Rider for all policies combined is not more than 5,000,000 baht per insured person, and when combined with other rider contracts covering critical illnesses, all policies and all sales channels, is not more than 10,000,000 baht per insured person.
Premium Rates
Per sum assured of 1,000 baht for both males and females
| Age (years) | Sum Assured (baht) |
| Newborn – 14 | 87 |
Remark: For age calculation of the Insured, a fraction of more than 6 months shall be counted as a full year.
Example: Male, aged 5 years. Sum assured 100,000 baht. Coverage period 15 years. Premium payment period 10 years
| Policy Year | Annual Premium (baht) | All cases of death | Life Coverage(baht) | ||
| Critical Illness Coverage 5 Critical Illnesses for Kids | Medical expenses accidents for Kids | The insurance payer is protected by the insurance premium equal to the insurance premium of the life insurance contract*** | |||
| 1 | 8,700 | 100,000 | 50,000* | The Company pays for medical expenses for accidents as actually incurred. Maximum of 5,000 baht per times | 8,700 |
| 2 | 8,700 | 100,000 | 8,700 | ||
| 3 | 8,700 | 100,000 | 8,700 | ||
| 4 | 8,700 | 100,000 | 8,700 | ||
| 5 | 8,700 | 100,000 | 8,700 | ||
| 6 | 8,700 | 100,000 | 8,700 | ||
| 7 | 8,700 | 100,000 | 8,700 | ||
| 8 | 8,700 | 100,000 | 8,700 | ||
| 9 | 8,700 | 100,000 | 8,700 | ||
| 10 | 8,700 | 100,000 | 8,700 | ||
| 11 | - | 100,000 | - | ||
| 12 | - | 100,000 | - | ||
| 13 | - | 100,000 | - | ||
| 14 | - | 100,000 | - | ||
| 15 | - | 100,000 | - | ||
| Total premium paid | 87,000 |
| Maturity benefit 100% of the sum assured | 100,000 |
| Net benefits | 13,000 |
* Coverage is provided when five critical illnesses are diagnosed: rheumatic fever causing heart problems, Kawasaki disease causing heart complications, diabetes, and hydrocephalus (a late onset disease requiring a drainage tube), and hand, foot, and mouth disease with severe complications, before the Insured reaches the age of 21. Coverage begins after a 90-day waiting period from the effective date of the 5 Critical illnesses 15/10 for Kids Rider. The Company will pay only one critical illness benefit, and this critical illness coverage will immediately terminate. (The main policy and accident medical coverage will continue to provide coverage.)
** Covers medical expenses incurred within 52 weeks from the date of the accident. This is limited to 1 contract per 1 insured person when including all Gain1st Savings & Care 15/10 for Kids savings life insurance policies.
**** For premium payers who are legal representatives or guardianship holders (e.g., mothers and fathers) aged 20-55 and have been approved for insurance, if the premium payer dies or is diagnosed and/or confirmed by a doctor for the first time that they are permanently and totally disabled as defined in the supplementary policy, and the Company has received complete supporting evidence, the Company will provide coverage by waiving the premium payment of the Gain1st 15/10 for Kids, whereby the coverage period for the premium waiver is calculated from the shortest period between the premium payment periods of the life insurance policy to which this additional contract is attached, or the number of years in which the Insured will reach the age of 21, or the number of years in which the premium payer will reach the age of 65.
How to apply
To apply, simply fill out an application form at any Bangkok Bank branch and hand it in along with the required documents.
For more information, please contact any Bangkok Bank branch or call Bangkok Bank Call Center 1333 or Bangkok Life Assurance Public Company Limited on 0 2777 8888 or visit www.bangkoklife.com