CIMB Thai Universal Life 90/90 Alternative of Investment

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

Coverage term until age 90 years
Flexible sum assured from minimum of 8 times of regular premium (insured age not over 49 years)
Guaranteed minimum 4% rate of return of account value for regular premium in first year
Earn higher returns according to the return on the company’s investment portfolio
Get life protection together with straightforward and transparent investment scheme.
Partial withdrawal of the money without having to surrender the policy

Premium Payment Method

Premium is payable by annually / semi-annually / quarterly and monthly (pay 2 months in advance).
First year premium is payable via cash, cheque, credit card (Visa, Master Card, JCB).
Renewal year premium is payable via cash, cheque, credit card (Visa, Master Card, JCB) and direct debit.
For direct debit, the account details and bank are collected upfront in the proposal form.

Tax Benefits

Life insurance premium is eligible for tax-deductible for actual amount paid maximum 100,000 baht per year. (According to the revenue department director's announcement No. 172)

Benefit and Coverage

In the case of death,

Sum Assured + Account Value

Survival Coverage

Account Value (AV)

Guaranteed Return	First year (Minimum)	Renewal year (Minimum)
Regular Premium : RP	4%*	1%*
Top-Up Premium : TP	1%*	1%*

*after deduct expense (Premium Allocation Charge, COI and Policy Fee

Loyalty Bonus for Regular Premium

Bonus 2% of Regular premium per year after paying premiums for 10 years continuously, such amount will be contributed to the accumulated account from the Regular premium.

The special bonus is not paid as the following rights are exercised;

Premium Holiday
Partial withdrawal
Reinstate

Insurance details

Coverage Term : until age 90 years
Coverage Premium : until age 90 years
Premium :

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

Sum Assured (Calculated from regular premium) : (Whichever is higher)

Age (Year)	Minimum (Time)		Maximum of Regular Premium (RP) (Time)
Age (Year)	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

Remark

*Professions as follows: laborer, farmer, taxi driver, house worker, mechanic, inmate, waitress, butler, housewife, general contractor fishing, Factory worker, unemployed, Woman and Male special career occupation , Unspecified occupation and other occupation, Males can buy not more than 45 times the RP premium and females can buy not more than 60 times the RP premium
Students, children under school age In the case of requesting an insured amount of more than 1 million, the parents must have insurance of not less than the insured.

Regular Fee

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	% of Regular Premium
	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

Miscellaneous Fee

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	% of Premium Withdrawal or Surrender
	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 2^nd time onward

Example of Cost of Insurance (COI)

In the case of male insured, premium payment annually 1,000,000 baht, sum assured 8,000,000 baht.

Age (Year)	Cost of Insurance (COI)
Age (Year)	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

*Accumulate cost of insurance with the assumption that the customer does not increase/decrease sum assured

Exercise of account Value

Policy surrender
Policy Withdrawal
Premium Holiday

Policy Surrender

when an insurance policy has a cash value, the policy owner has the rights to surrender a cash value policy, the insurer first subtracts any surrender charges, which are specific charges imposed if the owner of a cash value insurance policy surrenders the policy for its cash surrender value.

When the insurer pays a policy owner the net cash surrender value, the policy and all coverage under the policy terminates.

The insurance policy may be automatically surrendered If the policy cash value is equal or less than zero, the insurance policy may be automatically surrendered or discontinue premium payments.

Partial withdrawal

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

Policy Loans

Maximum 70% of Account Value (after deduct expense (Premium Allocation Charge, COI and Policy Fee))
Minimum policy loan 2,000 baht and Remaining Account Value at least 8,000 Baht in the policy
The loan interest rate is equal to the average rate of return on the investment portfolio. As paid by the insurance company at that time, plus 2% per annum, the interest will be calculated daily and will be calculated on a compound interest basis. When the loan term exceeds 1 year

Premium Holiday

After 2^nd year payment (Annually) and still have account value remaining in the policy (yearly, complete 2 installments, 6 months 4 installments, 3 months 8 installments or 24 monthly installments) and has a net insurance policy account value

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	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)

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 Universal Life 90/90

Benefits & Privileges

Benefits & Privileges

Eligibility & Requirements

Key Features

Premium Payment Method

Tax Benefits

Benefit and Coverage

Loyalty Bonus for Regular Premium

Insurance details

Regular Fee

Miscellaneous Fee

Exercise of account Value

Policy Surrender

Partial withdrawal

Policy Loans

Premium Holiday

3 Group of Riders - 4 Riders Coverage

Blog

Products

Ways to Bank

Who We Are

Help & Support

Quicklinks

Financial Guru

Accounts

Cards

Insurance

Investment

Loans

Remittance

CIMB THAI Digital Banking

Corporate Governance

Leadership

Awards

Investor Relations

Sustainability

News and Event

Rates & Charges

CIMB Thai Universal Life 90/90

Benefits & Privileges

Benefits & Privileges

Eligibility & Requirements

Key Features

Premium Payment Method

Tax Benefits

Benefit and Coverage

Loyalty Bonus for Regular Premium

Insurance details

Regular Fee

Miscellaneous Fee

Exercise of account Value

Policy Surrender

Partial withdrawal

Policy Loans

Premium Holiday

3 Group of Riders - 4 Riders Coverage

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