CIMB Thai Unit Linked 99/99

Benefits & Privileges

Benefits & Privileges

Cash Benefit

Long Term Coverage

Additional Benefits

Eligibility & Requirements

Issued age: 1 month – 70 years old
Health check-up is in accordance with the conditions of the company
Health declaration is important factors for underwriting consideration
Health declaration is an important part of insurance consideration. All questions must be answered truthfully. Making any false statements or concealing any facts may cause the company Disclaimer and can refuse compensation

Key Features

99 years of coverage term
Regular premium protection start at 18,000 baht and maximum unlimited
You can choose the sum assured up to 120 times (Depend on age and gender)
Manage your own portfolio by choosing to invest from variety mutual fund managed by experts
Loyalty Bonus 0.25% of Account Value policy year 6^th anniversary onward
Automatically premium holiday after 2 policy years

Tax Benefits

Life insurance premium is eligible for tax-deductible for actual amount paid but not exceeding 100,000 baht per year. (According to the revenue department director's announcement No.172)

(Only COI, Premium Allocation Charge and Policy Administration Charge))

Benefit and Coverage

In the case of death

Paid Sum Assured of Regular Protection Premium (RPP) + Regular Saving Premium (RSP) + Account Value

Survival Coverage

Paid according to Account Value at the maturity date

Bonus of Regular Protection Premium (RPP)

Paid 0.25% of the Account Value from Regular Protection Premium (RPP)
Bonus will be paid in policy year 6^th onward

Remark: The bonus will be ended if there is partial withdrawal from RPP or stop paying RPP premium, Decrease Sum assurance and Premium Holiday during 5 years

* In the case of paying the regular protection premium payment mode semi annual, quarter, or monthly basis, the bonus rate used in the calculation is 0.25% divided by 2, 4 or 12, respectively

Insurance details

Sum Assured

Premium Payment Method

Mode of payment :

Regular Protection Premium (RPP)

annually / semi-annually / quarterly and monthly

(pay 2 months in advance)

Regular Saving Premium (RSP)

annually / semi-annually / quarterly and monthly

(pay 2 months in advance)

Top-Up Premium

Pay anytime , premium charge will be deduct before investing

Premium Payment Method :

First year premium	Cash, Credit Card (Visa, Master Card, JCB)
Renewal year premium	Cash, Cheque, Credit Card (Visa, Master Card, JCB) and Direct Debit

Regular Fee

Miscellaneous Fee

Exercise of account Value

Policy surrender
Partial withdrawal
Premium Holiday

Policy Surrender

When the policy has a policy surrender value and the insured is still alive, the insured has the right to cancel this policy by submitting a written request for the policy surrender. Which will receive the surrender value of the policy and the insurance cost according to the number of days that have not yet been covered (if any) and cause this policy to expire?

In requesting policy surrender, the company will sell the investment units at the redemption price as of the day following the date that the company received a letter of intent and approval or the first appraisal date with the redemption price according to the terms and conditions specified in the prospectus of each fund. However, if the redemption date is a holiday of any fund, the company will sell the investment units of that fund on the next business day that the transaction can be made schedule which may be changed later

If there are any debts outstanding under this policy the amount of such liability will be deducted from the amount received. More details for surrender process please contact the company.

Partial withdrawal (Minimum)

In case of the insured would like to partial withdrawal, the minimum of withdrawal at 2,000 baht and remaining account value at least 8,000 baht (no interest), please contact the company for this process

Premium Holiday

After 2^nd year payment (Annually) and still have account value remaining in the policy (at least 24 months premium payment and net insurance policy account value greater than zero)

The right to protection for life in the event that the policy value is equal to or less than zero

(NLG = Non Lapse Guaranteed Benefit)

The right to protection for life in the event that the policy value is equal to or less than zero will occur when the insured pays premiums in every continuous installment throughout the premium payment period for the first 5 policy years from the effective date of the policy. Even if the policy value is negative the insured will be entitled to life coverage according to the sum assured with the following conditions

The insured must continuously and completely pay the main premium. According to the insurance premium payment schedule and
None withdrawn money from the policy from the redemption of investment units of the main premium and
None reduction in the main insurance premium.

The fees that have not been paid in full (if any) are liabilities that the Company must be deducted from the death benefit

Tax Benefits

Life insurance premium is eligible for tax-deductible for actual amount paid but not exceeding 100,000 baht per year. (According to the revenue department director's announcement No.172)

(Only COI, Premium Allocation Charge and Policy Administration Charge))

What the insured should know

1. This is life insurance product

This product is a life insurance and not a bank deposit, not free mutual fund with free insurance and not insurance cover with free mutual fund

2. The sum insured affects the expenses

If the insured amount is high, the Cost of Insurance will be higher as well and will increase as the insured gets older.

3. Expenses are not fixed even with fixed premiums.

Some expenses will vary with the age of the insured. And the return of the fund Please refer to the policy fee schedule for details.

4. Available to withdraw money from the policy

Withdrawing money from the policy or surrendering the policy too early will incur high fees. Please refer to the table in the policy book for details.

5. Investments are deducted to pay policy fees every month.

The fee will be deducted from the premium paid and from the automatic redemption of investment units every month. And if insurance premiums and investments are insufficient to cover the fees the policy will expire immediately. Therefore, the insured should study and supervise the investment to grow, otherwise the policy must be Top-Up so that the policy does not expire.

6. Only partial tax relief

Tax deductible only for expenses and fees of the policy. The portion that can be used for investment is not deductible

7. No Return Guarantee

As for investment, there is no guarantee of return. The figures shown in the benefit spreadsheet are just examples for your understanding

Precautions and practices

Consider financial readiness to pay insurance premiums before deciding to get insurance because it is a product that has a long-term financial commitment.
Make sure to understand the coverage and conditions of the insurance and the investment part before making a decision to make insurance
Although the information and figures in the sales documents are complex ,the insured must study and understand it , please consult your insurance company reprehensive or seller to clarify any issues if you do not understand.
You should fill out the application form by yourself. Do not sign on the blank form and check the details in the application are correct before signing
Always ask for proof of receipt of money from the seller. It must be noted that it is the evidence of the insurance company.
After buying a policy, you may receive calls from an insurance company. Please be prepared undergo a life insurance phone interview.
Follow up and pay attention to the documents you receive from your life insurance company, so you can take full advantage of your insurance benefits.
Investment is risky. The insured may receive a refund of more or less than the total premium allocated to the mutual fund. If the performance of the mutual fund is good the insured will receive a high return. But if the performance of the mutual fund is not good the insured will receive return is less than the initial investment or losses.

Company rights

The company can refuse the insurance application. If the customer refuses to take the suitability test or provides the necessary information in the insurance application form
In the event that the insured commits suicide within 1 year or is killed by the beneficiary The company has the right to terminate the contract.
In the event that the insured discloses false information conceal the truth The company can cancel the contract.
In the event that the applicant has health problems The company has the right to refuse the insurance request.

Complaint Channel

The Insured complaints can be made at the following
Complaint Unit The Insured Rights Center, 6th Floor, Thai Life Assurance Building or Tel.1124
Office of Insurance Commission Insurance hotline, call 1186 or www.oic.or.th
The Office of the Securities and Exchange Commission (Office of the SEC) Help Center call 0-2263-6000 or www.sec.or.th
CIMB Thai Bank Public Company Limited Tel. 0 2626 7777

Riders can be purchased to add benefits on top of those covered under the basic Unit Linked 99/99 policy. The additional protection provides accident, hospital benefit cause from accident and multiple critical illness coverage

Customers are able to purchase riders to attach them with Unit Liked 99/99 policy that the company approves, in order to enhance their coverage benefits whether it concerns their accident, hospital benefit cause from accident and multiple critical illness coverage. Our range of rider protection include details as below;

3 Group of Riders - 4 Riders Coverage

Group 1: Accidental Rider

1. Accidental Death and Dismemberment (ADD1)

(Insurable age 1 month – 64 years, coverage at age 65 years)

2. Accidental Death and Dismemberment and Disability (ADD2)

(Insurable age 5 – 64 years, coverage at age 65 years)

Group 2: Hospital Income Benefit (In-patient department)

(Insurable age 1 month – 65 years, coverage at age 70 years)

Group 3: Multiple Critical Illness Coverage (Multi-pay CI)

(Insurable age 1 month – 65 years, coverage at age 70 years)

Group 1: Accidental Rider

Highlight Benefits

Coverage both of Accident Death and Dismemberment and Disability
In-patient department benefits compensation maximum 20 weeks
Low premium with high sum assured maximum at 30 MB
Surgery compensation from an accident
Accidental Death 200% (accidental public risk)

Rider

Accidental Death and Dismemberment (ADD1) Rider

Detail	Accidental Death and Dismemberment (ADD1) Rider
Insurable age	1 month – 64 years
Coverage Term	Until age 65 years
Payment Term	Annual renewal until age 64 years (coverage until age 65 years)
Premium mode method	Depend on main policy payment mode
Minimum Sum Assured	50,000 Baht
Maximum Sum Assured	Depend on age and occupation
Death benefit (%of sum assured)	Available on the next page
Eligible Period	Add-ons main policy or after policy issued
Tax	eligible 30% of premium ADD1 Rider Life insurance premium is eligible for tax-deductible for actual amount paid but not exceeding 100,000 baht per years. (According to the revenue department director's announcement No.172) Health insurance premiums Tax deduction up to 25,000 baht However, when combined with life insurance premiums, it must not exceed 100,000 baht per year. (According to the revenue department director's announcement No.383)

While this rider is in force, If the injury sustained from the accident causes the insured's death or loss of organs and sight within 180 days of the incurred accident or causes the Insured to maintain consecutive treatment as an inpatient in the hospital and died of injury whenever and wherever. The company will pay compensation according to the replacement schedule as follows:

Detail	%of sum assured
1. Death from accident	100% of sum assured
2. Loss of organs and eyesight
2.1 Both hands or both feet or sight in both eyes	100% of sum assured
2.2 One hand and one foot, or one hand and sight in one eye, or one foot and sight in one eye	100% of sum assured
2.3 One hand or one foot or sight in one eye	60% of sum assured
2.4 Thumb and index finger of the same hand through amputation at or above knuckles	25% of sum assured
Note: Only for Accidental Indemnity and Accidental Death and Dismemberment riders, the Company will pay double indemnity for No. 1-2, in case an accident occurs in a public vehicle, elevator or fire in a public building, theatre, or hotel where the Insured is at that particular place when the fire starts.

Accidental Death and Dismemberment and Disability (ADD2) Rider

Detail	Accidental Death and Dismemberment and Disability (ADD2) Rider
Insurable age	5 – 64 years
Coverage Term	Until age 65 years
Payment Term	Annual renewal until age 64 years (coverage until age 65 years)
Premium mode method	Depend on main policy payment mode
Minimum Sum Assured	50,000 Baht
Maximum Sum Assured	Depend on age and occupation
Death benefit (%of sum assured)	Available on the next page
Eligible Period	Add-ons main policy or after policy issued
Tax	Eligible 53% of premium ADD2 Rider Life insurance premium is eligible for tax-deductible for actual amount paid but not exceeding 100,000 baht per years. (According to the revenue department director's announcement No.172) Health insurance premiums Tax deduction up to 25,000 baht However, when combined with life insurance premiums, it must not exceed 100,000 baht per year. (According to the revenue department director's announcement No.383)

While this rider is in force, If the injury sustained from the accident causes the insured's death or loss of organs and eyesight, or disability within 180 days of incurred accident or causes the Insured to maintain consecutive treatment as an inpatient in the hospital and to die as a result of that injury at any time. The company will pay compensation according to the replacement list as follows:

Detail	%of sum assured
1. Death from accident	100% of sum assured
2. Loss of organs and eyesight
2.1 Both hands or both feet or sight in both eyes	100% of sum assured
2.2 One hand and one foot, or one hand and sight in one eye, or one foot and sight in one eye	100% of sum assured
2.3 One hand or one foot or sight in one eye	60% of sum assured
2.4 Thumb and index finger of the same hand through amputation at or above knuckles	25% of sum assured
3. Disability
3.1 Temporary partial disability (Maximum 52 weeks)	0.2 % per week*
3.2 Temporary total disability (Maximum 52 weeks)	0.6 % per week*
3.3 Total permanent disability (Maximum 10 years)	10 % per year*
4. Indemnity payment
4.1 In-hospital benefit due to accidents (Maximum 20 weeks)	0.3 % per week*
4.2 Surgical fee	According to the benefit schedule in the Policy
Note: Only for Accidental Indemnity and Accidental Death and Dismemberment riders, the Company will pay double indemnity for No. 1-4, in case an accident occurs in a public vehicle, elevator or fire in a public building, theatre, or hotel where the Insured is at that particular place when the fire starts. * of sum assured

Group 2: Hospital income benefit (In-patient department)

Highlight Benefits

Get severance pay even when hospitalized to relieve financial burden on days when unable to work
Daily hospital benefit maximum to 1,250 consecutive days for one accident or sickness
In the case of being sick with serious diseases such as AIDS, cancer, cirrhosis, polio, emphysema, muscular dystrophy. General hardening of the tissues, Receive 20 times of daily hospital benefit
In the case of being death with serious diseases such as AIDS, cancer, cirrhosis, polio, emphysema, muscular dystrophy. General hardening of the tissues, Receive 200 times of daily hospital benefit
Maximum hospital income benefits 7,000 baht
Can be reimbursed with others welfare benefits

Hospital Benefit (HB) Rider

Detail	Hospital Benefit Riders
Insurable age	1 month – 65 years
Coverage Term	Until age 70 years
Payment Term	Annual renewal until age 69 years (coverage until age 70 years)
Premium mode method	Depend on main policy payment mode
Minimum-Maximum Hospital Benefit	500 – 7,000 Baht Depend on age and Sum Assured
Death benefit (%of sum assured)	Available on the next page
Eligible Period	Add-ons main policy or after policy issued
Tax	Not eligible for tax-deductible

Policy rights	Benefit
If admitted to the hospital as an inpatient for at least 12 hours	Daily hospital benefit (limited to the maximum of 1,250 consecutive days for one accident or sickness
In the case of being sick and admitted to the hospital as an inpatient for at least 12 hours with serious diseases such as AIDS, cancer, cirrhosis, polio, emphysema, muscular dystrophy. General hardening of the tissues	Receive 20 times of daily hospital benefit
In case of death with serious diseases such as AIDS, cirrhosis, polio, emphysema, muscle dystrophy General hardening of the tissues	Receive 200 times of daily hospital benefit

Remark:

For the pre-existing disease or sickness that the Insured has had at least 1 year prior to the contract start date, the Company will not pay compensation. For such causes within 2 years from the commencement of this contract

Group 3: Multiple Critical Illness Coverage (Multi-pay CI)

Highlight Benefits

1. 110 critical illnesses coverage

Cover 8 group critical illnesses all stage of critical illness (Cancer, Major Organ, Cardiovascular, Nervous and Muscular Systems, Others CI, Benefit of Critical Illness in children, Benefit of Critical Illness in senior and Benefit of Complications from diabetes

2. Met critical illness , Paid claim and customer continue have coverage

Get claim 100% of sum assured (counting all stages of all disease groups) are also covered without having to pay premium

3. Tax deduction entitlement

4. Special cover critical illness of juvenile and senior age

Children age start from 1 month to 18 years cover with 10 critical illness
Senior age 51 years above cover with 3 critical illness

5. Low premium with high coverage

Critical Illnesses Multi Pay Rider

Detail	Critical Illnesses Multi Pay Riders
Insurable age	1 month – 65 years
Coverage Term	Until age 85 years
Payment Term	Annual renewal until age 84 years (coverage until age 85 years)
Premium mode method	Depend on main policy payment mode
Minimum Sum Assured	500,000 Baht (Minimum Sum Assured Main policy 100,000 Baht)
Maximum Sum Assured	1 month – 15 year or unemployed: 3 MB 16 – 65 years: 5 MB (Count every active “Critical Illnesses Multi Pay Rider” All policy product and Sum Assured in all channel)
Death benefit (%of sum assured)	Available on the next page
Eligible Period	Add-ons main policy at the time of application only
Tax	Eligible 100% of premium CI Multi Pay Rider Life insurance premium is eligible for tax-deductible for actual amount paid but not exceeding 100,000 baht per years. (According to the revenue department director's announcement No.172) Health insurance premiums Tax deduction up to 25,000 baht However, when combined with life insurance premiums, it must not exceed 100,000 baht per year. (According to the revenue department director's announcement No.383)

Benefit of Critical Illness

Level	Disease group 1	Disease group 2	Disease group 3	Disease group 4	Disease group 5
Critical Illness stage	Cancer	Major Organ	Cardiovascular	Nervous and Muscular Systems	Others CI
Number of diseases covered	3 stages	29 diseases	15 diseases	31 diseases	13 diseases
Early Stage*	25%	25%	25%	25%	25%
Medium Stage*	50%	50%	50%	50%	50%
Late Stage*	100%	100%	100%	100%	100%
Total maximum benefit per disease group*	100%	100%	100%	100%	100%
Total maximum of critical illness rider benefit	500% of total sum assured rider benefit

Disease group 6	Disease group 7	Disease group 8
Benefit of Critical Illness in children	Benefit of Critical Illness in senior person	Benefit of Complications from diabetes
10 diseases	3 diseases	4 diseases
25% of the sum assured for a maximum of 4 diseases that are different from the benefited diseases However, not more than 100% of the sum assured.	25% of the sum assured for up to 3 diseases that are different from the benefited diseases However, not more than 75% of the sum assured.	25% of the sum assured when this benefit is paid, this coverage ends.
In the event that the insured receives coverage for critical illnesses 100% of the sum insured from any disease group, The Company will waive the premium of this rider until the termination of this rider.

Remark:

The information herein is only partial that is intended for the sales purposes only and not considered an integral part of the insurance contract. Insured are advised to study and understand the policy for their own benefit.
Insured should understand the details pertaining to coverage and conditions prior to committing to any insurance plan.
This product is a life insurance not a deposit. Insured should pay the insurance premium until the completion of the insurance premium payment period and hold it until maturity in order to gain the maximum benefit. In case of the coverage ends prematurely, insured may not reacquire the principal in its entirety or at all.
CIMB Thai Bank Plc. is only a life insurance, provides services as a life insurance broker, and had responsibility for action as a life insurance broker only and receives an insurance premium under the name of Thai Life Insurance Plc. only, If you have any query about Life insurance, please contact Thai Life Insurance Plc. Tel. 0 2247 0247
Contact: All branches of CIMB Thai Bank Plc., CIMB Thai Care Center 0 2626 7777, CIMB Thai website www.cimbthai.com
Life insurance is provided by Thai Life Insurance Plc. The bank is merely the broker that recommending the channel for the insurance.
The English version is unofficial translation of the original Thai version for reference only and has no legal biding as the protective control.

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CIMB Thai Unit Linked 99/99

Benefits & Privileges

Benefits & Privileges

Eligibility & Requirements

Key Features

Tax Benefits

Benefit and Coverage

Bonus of Regular Protection Premium (RPP)

Insurance details

Sum Assured

Premium Payment Method

Regular Fee

Miscellaneous Fee

Exercise of account Value

Policy Surrender

Partial withdrawal (Minimum)

Premium Holiday

The right to protection for life in the event that the policy value is equal to or less than zero

Tax Benefits

What the insured should know

Precautions and practices

Company rights

Complaint Channel

3 Group of Riders - 4 Riders Coverage

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