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)
We will be right with you.
Cash Value Benefit
* None Withdrawal and Premium Holiday during 10 years
long term coverage
Additional Benefits
Guaranteed Return | First year (Minimum) | Renewal year (Minimum) |
---|---|---|
Regular Premium : RP | 4%* | 1%* |
Top-Up Premium : TP | 1%* | 1%* |
Premium | Minimum | Maximum |
---|---|---|
Regular Premium :RP | 12,000 Baht per year | Unlimited |
Top-Up Premium : TP | 1,000 THB not exceed Regular Premium (RP) / year | <100% of Regular Premium (RP) / year |
Age (Year) | Minimum (Time) | Maximum of Regular Premium (RP) (Time) |
||
---|---|---|---|---|
Male | Female | Male | Female | |
1 month – 20 | Whichever is higher 100,000 Baht or 8 Times of Regular Premium |
100* | 120* | |
21 – 40 | 89* | 110* | ||
41 – 49 | 42 | 69* | ||
50 | Whichever is higher 100,000 Baht or 5 Times of Regular Premium |
42 | 69* | |
51 – 55 | 29 | 44 | ||
56 – 60 | 20 | 29 | ||
61 – 65 | 13 | 18 | ||
61 – 70 | 9 | 12 |
Detail | Rate | ||||
---|---|---|---|---|---|
Premium Allocation Charge of annual payment -Regular Premium : RP |
Number of time regular premium payment | % of Regular Premium | |||
Annually | Semi-annually | Quarterly | Monthly | ||
1 2 3 4 5 6 onward |
1-2 3-4 5-6 7-8 9-10 11 onward |
1-4 5-8 9-12 13-16 17-20 21 onward |
1-12 13-24 25-36 37-48 49-60 61 onward |
60% 40% 30% 20% 10% 2% |
|
Top Up Premium : TP | 4% % of Top Up Premium |
||||
Cost of Insurance (COI) | Depend on age, gender, sum assurance | ||||
Policy Fee | Minimum 55 baht per month up to 110 baht per month (Current rate is 55 baht per month)This rate is subject to change based on Consumer Price Index |
Detail | Rate | ||||
---|---|---|---|---|---|
Withdrawal or Surrender Charge for annual Payment -Regular Premium : RP |
Number of time regular premium payment | % of Premium Withdrawal or Surrender | |||
Annually | Semi-annually | Quarterly | Monthly | ||
1 2 3 4 5 6 7 8 onward |
1-2 3-4 5-6 7-8 9-10 11-12 13-14 15 onward |
1-4 5-8 9-12 13-16 17-20 21-24 25-28 29 onward |
1-12 13-24 25-36 37-48 49-60 61-72 73-84 85 onward |
75% 50% 40% 30% 20% 10% 5% None |
|
Top Up Premium : TP | Number of years from the date of premium payment Top Up Premium |
% of Premium Withdrawal or Surrender | |||
น้อยกว่าหรือเท่ากับ 4 ปี | 1 | ||||
มากกว่า 4 ปี | 0 | ||||
Reinstate Fee | 200 Bath | ||||
Statement Fee | Free of Charge 1 time per month , 50 baht up to 100 baht for the 2nd time onward |
Age (Year) | Cost of Insurance (COI) | ||
---|---|---|---|
Monthly (Baht) | Annually (Baht) | Accumulated Cost of Insurance * (Baht) | |
35 | 1,393.33 | 16,719.96 | 16,719.96 |
40 | 1,813.33 | 21,759.96 | 114,559.92 |
45 | 2,480.00 | 29,760.00 | 245,679.84 |
Group 1: Accidental 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) |
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. |
Detail |
Accidental Death and Dismemberment and Disability (ADD2) Rider |
---|---|
Insurable age |
Male/Female at 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) |
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)
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 |
Group 3: Multiple Critical Illness Coverage (Multi-pay CI)
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 |
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. |