Key Benefits

• Covers inpatient benefits and outpatient benefits.
• Available in Kids Plan (Begin / Step Up) and Adult Plan (Begin / Balanced), offering up to 5 coverage plans.
• Flexible protection, peace of mind and affordable premiums. Select a plan to determine copayment¹.
• Available for treatment at both In-network and Out-of-network hospitals^²
• Additional outpatient (OPD) benefits per policy year for Plan 2 and above.
• For Kids Plans (insured aged 15 days - 10 years), the Step-Up option may be selected on the application date and will automatically switch to the Balanced³ copayment arrangement when the Insured reaches the age of 11.
• Eligible health insurance premiums are tax-deductible, in line with the Revenue Department's conditions.

Notes

¹Copayment is the joint liability between the Company and the Insured for medical expenses, according to any payable benefits after deductibles (if any). Copayment applies only to Section Group 1 – 13 of the benefit table under this rider and does not include benefits under any other endorsement (if any).

In cases involving copayment, the Company shall consider the copayment rate applicable to in-network hospitals if any of the following conditions are met:

1. For each inpatient admission, if the hospital’s status on either the first day of admission or the discharge date is classified as in-network; or

2. If the hospital’s status on the date of outpatient treatment is classified as in-network.

However, the Company shall apply the copayment as if the treatment were received at an in-network hospital under any of the following conditions:

• The Insured receives Emergency Medical Treatment as defined by the Company; or
• The Insured receives continuous inpatient care under the same confinement, or receives medical services for diagnosis directly related to before and after the admission as Inpatient – all of which must take place at the same hospital where the Insured previously made copayment (if any) under in-network hospital coverage; or
• The Insured receives approval for medical treatment through Pre-Authorization Result at an in-network hospital, and the specified treatment is received at the specified hospital within the approved timeframe.

The copayment represents the portion of covered medical expenses that the Insured is required to pay in accordance with the terms and conditions of the insurance plan, effective from the first policy year onwards.

²The selection of in-network and out-of-network hospitals designated by the Company will affect the copayment amount payable by the Insured from the first policy year onwards, depending on the coverage option selected.

³Copayment responsibility is reduced compared with the Begin plan.

Additional Information

Assured by AIA Company Limited

Notes

• Health Starter rider is the marketing name of AIA Health Starter - Balance/ Begin/ Begin-Balance rider 2025a/ 2025b/ 2025d.
• If the premium is paid monthly, the first payment will include an advance payment of two months.
• Insurance premiums are tax-deductible according to the Notification of the Director-General of the Revenue Department on Income Tax.
• Life insurance is not a bank deposit. If you terminate your policy early, you may receive returns less than the paid premiums, subject to the time of policy termination.
• The applicant is advised to study the details and product information in the prospectus before deciding to buy insurance.
• Bangkok Bank is a life insurance broker, acting as an agent between customers and AIA Company Limited. AIA Company Limited’s conditions apply to insurance approval.
• A health declaration is one of the factors considered in the policy approval or payout approval process.
• A health check-up is under AIA Company Limited conditions.
• The applicant has the duty to provide true information in applying for insurance. Any concealment of truth or declaration of false statements may cause the insurance company to cancel the insurance contract or refuse to pay the claims under the insurance contract.
• Terms and conditions of coverage will be specified in the policy issued to the policyholder.
• The English version is unofficial translation of the original Thai version for reference only and has no legal binding as the protective control.