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BLA Happy Health Premier
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Good Health…Good Life

A good life...begins with good physical and mental health. Bangkok Life Assurance wishes to see you be out and live every day with peace of mind and stay worry-free. We are ready to be by your side, to take care of you in every moment. We protect you through your times of illness and provide you with comprehensive health services, so that you are ready to run towards your desired goals and harvest the happiness to the fullest in every step of your life.

Because taking good care of your health...is the source of prosperity and sustainability in life.

บีแอลเอ แฮปปี้ เฮลธ์ พรีเมียร์
Issued age from 11 – 80 years old
Issued age from
11 – 80 years old
Choose your own coverage plan with/without deductible
Choose your own coverage plan
with/without deductible(4)
Medical expenses coverage up to age 99 years old
Medical expenses coverage up to age
99 years old
Cancer, Heart disease, Major stroke Up to 11 million baht
Cancer, heart disease, major stroke
Up to 11 million baht(5)
Hospital Room & Board Fees coverage In standard single room
Hospital room & board fees coverage
In standard single room(1) or up to 5,000 baht
per day(2), whichever is higher
Dialysis, radiotherapy, chemotherapy
Dialysis, radiotherapy, chemotherapy
Up to 5 million baht(6)
Maximum total benefit per time
Maximum total benefit per time
10 million baht(3)
Receive crisis reliever benefit of
Receive crisis reliever benefit of
300,000 baht for critical patients

(1) Standard single room means the starting price for a single room at the hospital
(2) Room & board, food, and in-hospital services (in-patients) per confinement for the 10 million baht plan
(3) Maximum total benefit per confinement due to illness or injury for the 10 million baht plan
(4) Deductible means to the initial part of the loss that the insured must be responsible according to the terms of the insurance contract
(5) Maximum total benefit per confinement from cancer, heart disease or major stroke for the 10 million baht plan
(6) Medical expenses for the treatment of diseases in Groups 9, 10, and 11 (for outpatient), for the 10 million baht plan

  • BLA Happy Health Premier rider: Issued age from 11 - 80 years old
  • Coverage period and premium payment period is one year. The coverage can be renewed for a period equivalent to the term of the life insurance contract that the BLA Happy Health Premier rider attached to, or up to the age of 99 years old.
  • Premium payment period: annually, semi-annually, quarterly, and monthly (according to the life insurance contract)
  • Health check-ups are in accordance with the company's underwriting criteria

Be happier with enhanced coverage. Worry-free about medical expenses

Room & Board fees
Room & Board fees

Covers a standard single room in any hospitals(1),
or a maximum of 5,000 baht per day(2),
whichever is higher

Surgical doctor fees
Surgical doctor fees

Fees for medical professional services of surgery and procedures, and anesthetist, as charged

Medical service fees for treatment
Medical service fees for treatment

Dialysis, Cancer treatment (Targeted therapy),
chemotherapy, and radiotherapy,
as charged up to 5,000 baht(3)

Coverage that goes beyond medical expenses
Coverage that goes beyond medical expenses

In case of critical illness or injury, receive a lump sum of 300,000 baht(4)

Choose your coverage plan
Choose your coverage plan

With or without deductible(5),
with a freedom to adjust your plan
to match your welfare

(1) Standard single room means the starting price for a single room at the hospital
(2) Room & board, food, and in-hospital services (in-patients) per confinement for the 10 million baht plan
(3) Medical expenses for the treatment of diseases in Groups 9, 10, and 11 (for outpatient), for the 10 million baht plan
(4) Critical illness coverage for the insured who suffers an injury or illness that necessitates medical treatment according to medical standards, as specified below:

(4.1) Treatment of metastatic cancer as per the specified treatment protocol
(4.2) Transplantation, including heart, lung, liver, kidney, pancreas, intestine, and bone marrow transplants
(4.3) Physician-approved major organ surgeries for the treatment of a medical condition
(4.4) Intensive care unit (ICU) stay requiring mechanical ventilation or cardiopulmonary support for at least 120 consecutive hours per confinement
(4.5) In-patients stay for a continuous period of 20 days or more, including complicated surgery as specified during confinement.
However, there is a 90-day waiting period from the coverage’s effective date of the contract.

(5) Deductible means to the initial part of the loss that the insured must be responsible according to the terms of the insurance contract

Click to view Benefits and Coverage
 

Unit : Baht

Benefits Plan 1,000,000 Plan 5,000,000 Plan 10,000,000
Maximum total benefit per confinement from illness or general injuries 1,000,000 5,000,000 10,000,000
Maximum total benefit per confinement from cancer, cardiovascular disease, or major stroke 1,100,000 5,500,000 11,000,000
1. In-patient benefits
Group 1 Room & board, food, and hospital service fees (in-patient) per confinement as an in-patient (not exceeding 180 days) 3,000 Baht per day 3,000 Baht per day 5,000 Baht per day
Or a standard single room per day (whichever is higher)
In the event that the insured is in the Intensive Care Unit (ICU), room & board, food, and hospital services fees (in-patient) will be paid in full up to 60 days. With all the amount to days in Group 1 included, must not exceed 180 days As charged
Group 2 Medical service fees for diagnosis or treatment, blood transfusion service and blood component fees, and nursing service fees, medicine fees, parenteral nutrition fees, and medical supplies fees per confinement as an in-patient As charged
Subgroup 2.1 Medical service fees for diagnosis
Subgroup 2.2 Medical service fees for treatment, blood services and blood component, and nursing service
Subgroup 2.3 Medicine, intravenous nutrition and medical supplies
Subgroup 2.4 Expenses for Home medication and medical supplies (Medical Supply 1), not exceeding 7 days 20,000 20,000 50,000
Group 3 Medical professional fees (Physician) for examination and treatment per confinement as an in-patient (not exceeding 180 days) As charged
Group 4 Medical expense for surgery and procedures per confinement as an in-patient
Subgroup 4.1 Operating or medical procedure room
Subgroup 4.2 Medicine, intravenous nutrition, medical supplies and surgical devices
Subgroup 4.3 Fees for medical professional services of surgery & procedure physician (and assistant) (Doctor fee)
Subgroup 4.4 Fees for medical professional service of anesthetist (Doctor fee)
Subgroup 4.5 Medical expenses for organ transplantation are covered as charged (Limited 1 time per lifetime for this rider)
Group 5 Major surgery as an out-patient (Day Surgery)
2. Out-patient benefits
Group 6 Medical service fees for diagnostic examinations before and after a directly related in-patient confinement or medical fees for out-patient follow-up treatments after being discharged from a directly related to a confinement as an in-patient 2,000 2,000 10,000
Subgroup 6.1 Medical service fees for diagnostic examinations before and after a directly related to a confinement as an in-patient, within 30 days
Subgroup 6.2 Medical fees for out-patient follow-up treatments after being discharged from a directly related confinement as an in-patient, within 30 days post-confinement (excluding diagnostic examination fees)
Group 7 Out-patient medical service fees in case of injuries, within 24 hours from an accident per event Not covered 10,000
Group 8 Fee for each of the post-treatment rehabilitation per one time per policy year Not covered
Group 9 Medical services fees for chronic kidney failure treatment by-hemodialysis per policy year 1,000,000 3,000,000 5,000,000
Group 10 Medical service fees for the treatment of cancer and tumor by radiotherapy, interventional radiology and nuclear medicine, per policy year
Group 11 Medical service fees for cancer treatment by chemotherapy, including targeted therapy per policy year
Group 12 Emergency ambulance service fee As charged
Group 13 Medical service fees for minor surgery
Deductible per confinement (For benefits and coverage Group 1 - 5) - 30,000 100,000 - 30,000 100,000 - 30,000 100,000
Additional Benefits
  • Critical illness benefit (1 time during the insured’s lifetime for this rider that this endorsement is attached to) (This benefit is not included in the maximum total benefit per confinement)
 300,000 300,000 300,000
  • Daily hospitalization compensation in case of in-patient but not exercising an in-patient benefit claim under the BLA Happy Health Premier rider with no deductible, not exceeding 10 days per policy year
 2,000 - - 2,000 - - 2,000 - -
The company will pay benefits for covered expenses incurred due to reasonably and medically necessary treatment. These benefits must not exceed the maximum amounts specified in the Benefits Table.
Click to view the examples Benefits and Coverage
 

This rider covers a standard single room(1) as charged or any higher-grade special room, according to the selected plan with a daily limit of 3,000 to 5,000 baht, whichever is higher

 

Example : Benefit payment of room & board, food, and in-hospital services: BLA Happy Health Premier rider 10 million baht plan covers standard single room or room rates of 5,000 baht per day (whichever is higher)

BLA Happy Health Premier

(1) Standard single room means the starting price for a single room at the hospital
(2) In the case of confinement in a special single room with a daily rate of 15,000 baht, which exceeds the standard single room rate stipulated in the BLA Happy Health Premier 10 million baht plan, the insured will be required to pay an additional 3,000 baht per day.

Individuals who do not have any own welfare benefits or health insurance can choose for the BLA Happy Health Premier rider without deductible to create their own welfare benefits and have peace of mind regarding medical expenses.

 

Example : A healthy 35-year-old male, self-employed, is interested in the BLA Happy Health Premier rider 10 million baht plan (no deductible)

BLA Happy Health Premier

Individuals with existing welfare benefits from their organization or a personal health insurance policy, but are concerned about insufficient coverage, can choose for the BLA Happy Health Premier rider with a deductible to obtain additional coverages while paying a lower premium.

 

Example : A healthy 35-year-old male, company employee, is interested in the BLA Happy Health Premier rider 10 million baht plan (with deductible 30,000 baht)

BLA Happy Health Premier

(1) The coverage must not exceed the benefits specified in the benefit table for each coverage group of the BLA Happy Health Premier rider
(2) Maximum total benefit per hospitalization due to general illness or injury for the 10 million baht plan

Upon retirement, the insureds who have the BLA Happy Health Premier rider with deductible may exercise their right to change their coverage plan by reducing the deductible to increase coverage. This can be done without a renewal underwriting process and with a waiver of the waiting period. The eligible insureds must be aged between 55 to 65 years old and have held the BLA Happy Health Premier rider with deductible for at least 5 consecutive years on the date of the request. Terms and conditions apply as determined by the company.

BLA Happy Health Premier
Click to View Coverage Exclusions
 

BLA Happy Health Premier rider

Pre-existing medical conditions before the effective date: for any chronic disease, injury or illness (including complications) which has not been fully cured prior to the first effective date of this rider except;

  • The insured has disclosed the pre-existing conditions to the company and the company has agreed to accept the risk without the coverage exclusion; or
  • Chronic disease, injury or illness (including complications) is asymptomatic, has not been treated or diagnosed by a doctor, or has not been seen or consulted by a doctor within 5 years prior to the first effective date of the rider and during 3 years from the date this rider becomes effective for the first time.

Waiting Period for

  • Any illnesses occurring within 30 days from the effective date of this rider or the date on which the company approves the additional benefits of this rider, whichever date is later or
  • Any of the following illnesses occurring within 120 days from the effective date of this rider or the date on which the company approves the additional benefits of this rider, whichever date is later such as
Tumors, cysts, or any type of cancer Hemorrhoid All types of hernia Pterygium or cataract
Tonsillectomy or adenoidectomy All types of stones Varicose veins in the legs Endometriosis
  • Tumors, cysts, or any type of cancer
  • Hemorrhoid
  • All types of hernia
  • Pterygium or cataract
  • Tonsillectomy or adenoidectomy
  • All types of stones
  • Varicose veins in the legs
  • Endometriosis

BLA Happy Health Premier rider

This rider does not cover any expenses incurred from hospital treatment or any damages incurred from Injuries or Illnesses (including any complications), symptoms or abnormalities arising from:

  1. Conditions that are caused by congenital anomalies, or congenital organ system defects, or genetic disorders, or pervasive development disorders
  2. Cosmetic surgery or any other treatments for skin beauty purposes, pimple and blemish treatments, dandruff and hair fall treatments, or weight control, or elective surgeries
  3. Pregnancy, miscarriage, abortion, childbirth, any pregnancy complications, infertility resolution (including diagnosis and treatment), sterilization or birth control
  4. Suicide, suicide attempt, or self-inflicted injuries
  5. Injuries arising while 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.

Note

  1. This advertising media 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.
  2. Premiums payment is the responsibility of the insured. Premium collection by life insurance agents and brokers is a service only
  3. A health declaration is one of the factors for underwriting or benefits payment consideration
  4. Insurance underwriting is in accordance with the company's underwriting conditions
  5. BLA Happy Health Premier health insurance premiums may be adjusted based on several factors, including the individual's age, occupation, the rising medical treatment costs, or the overall compensation payment experience of the portfolio of this additional rider
  6. BLA Happy Health Premier health insurance premiums is eligible for tax deduction in accordance with the announcement from the Revenue Department
  7. The territory of coverage according to the coverage benefits of the rider is Thailand

For more details, please contact our life insurance agents or financial advisors nationwide.

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