• In the event that the insured does not disclose the true statement or makes a false statement, the company will void the contract within two years from the effective date of the insurance policy, or upon renewal, or upon reinstatement, or upon the date the company approves the increase of the sum assured only for the additional part. Unless the insured does not have a stake in the insured event, or the declaration of age is inaccurate that the actual age is outside the normal trade premium rate limit.
• In the event the insured commits suicide within one year from the effective date of the insurance policy, or upon renewal, or upon reinstatement, or upon the date the company approves the increase of the sum assured only for the additional part, or if murdered by the beneficiary.

Examples of additional extra coverage exclusions

In the event of death, loss of organs or eyesight due to accident, and in the event of medical expenses due to accident, this insurance does not cover any losses or damages incurred in time or as a result of any of the following causes:

• The acts of the insured while being under the influence of alcohol or narcotic drugs or substance up to the state of insanity or psychiatric or psychological disturbance. “While under the influence of alcohol” means the blood test shows alcohol level from 150 milligram percent and over.
• Suicide, suicide attempt, or self-inflicted injuries
• Back pain due to herniated disc, Spondylolisthesis, Degeneration, or Spondylosis, Spondylitis, and Spondylolysis except the Fracture or Dislocation of spine occuring due to an accident
• Declared or undeclared war, invasion, or act of foreign enemies, civil war, revolution, rebellion, civil commotion assuming the proportions of or amounting to an uprising, riot, strike, or any event which will cause the declaration or maintenance of martial law
• Terrorism

BLA CI Kids Rider

This rider does not cover critical illnesses which occurs directly or indirectly, wholly or partly from any of the following causes:

• Critical illnesses or abnormalities that are confirmed by a doctor and have clear evidence of being related to a critical illness covered under this rider if they occur within 90 days of either the effective date of the rider or the date the company approves an increase in the rider's sum assured, whichever occurs later. In the case where the company approves an increase in the sum assured, the rider will not provide coverage for the portion of the increased sum assured only.
• Suicide, or self-inflicted injuries, or an attempt to take such action
• Inhalation, consumption, drinking, injection, or introduction of toxic substances into body in any way whether being conscious or falling under psychosis
• The insured refuses to accept treatment, recommendations, or follow the doctor's advice
• Medical treatment prescribed by the insured themselves, as well as medical treatment from a doctor who is the insured's father, mother, spouse, or child
• AIDS, venereal diseases or sexual transmitted diseases

BLA Payor Protect Rider

This rider does not cover total and permanent disability from any of the following causes:

• Suicide, suicide attempt, or self-inflicted injuries
• Injury sustaining while the premium payor is being under the influence of alcohol or narcotic drugs or substance up to the state of insanity or psychiatric or psychological disturbance. “While under the influence of alcohol” means the blood test shows alcohol level from 150 milligram percent and over
• Injury sustaining while the premium payor is boarding or alighting from or traveling as a passenger in an aircraft that is not licensed for carrying passengers and not operated by a commercial airline
• Injury sustaining while the premium payor is operating or serving as a crew member in any aircraft
• Injury sustaining while the premium payor serves in the military, police force, or volunteer and joining the war or suppression operation
• Injury sustaining while the premium payor is committing a felony or while under arrest by or escaping arrest of authorities

Notes:

• Information on the website is only a summary of preliminary benefits. Please read the details of the coverage conditions and exclusions before deciding to purchase any insurance products. The coverage conditions and complete exclusions can be inquired from your agents or from your life insurance policy details.
• Premiums payment is the responsibility of the insured. Premium collection by life insurance agents and brokers is a service only
• A health declaration is one of the factors for underwriting and benefits payment consideration
• For maximum benefits from the policy, the insured should pay premiums until the premium payment period completes and hold the policy until its maturity
• Bangkok Smart Kids premium and health premium (if any) is eligible for tax deductions in accordance with the announcement from the Revenue Department