Bancassurance Products

Health 1st


Choose a savings plan of either 5 years or 10 years and gain stability and peace of mind in your retirement. Upon maturity your total benefits will be 550% of the sum assured. You are eligible to count the premiums up to 100,000 baht for personal income tax deductions, in line with the Revenue Department conditions.

  • Lump Sums of 50% of the sum assured – the first installment on the policy anniversary date at the age of 60, and the second when the policy matures
  • Annual Pension of 15% of the sum assured every year from the age of 61 to 90 on the policy anniversary date
  • Accumulated Payouts of 550% of the sum assured

Protection and Benefits

Protection Plan without Deductible Plan with Deductible*
Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8
Death 50,000 50,000 50,000 50,000 50,000 50,000 50,000 50,000
1. Benefit on medical fees for inpatients per admission (baht)
1.1 Room and board including nursing and other hospital service charges for a maximum of 90 days: maximum payment per day 3,000 5,000 3,000 5,000 3,000 5,000 3,000 5,000
1.2 ICU room, maximum 15 days: maximum payment per day (inclusive of room and board, nursing and other hospital service charges but not exceeding a maximum of 90 days) 6,000 10,000 6,000 10,000 6,000 10,000 6,000 10,000
1.3 General expenses 30,000 50,000 30,000 50,000 30,000 50,000 30,000 50,000
1.4 Actual surgical fee 35,000 55,000 35,000 55,000 35,000 55,000 35,000 55,000
1.5 Inpatient physician’s fees for a maximum of 90 days covering one visit per day: maximum payment per day 1,000 2,000 1,000 2,000 1,000 2,000 1,000 2,000
1.6 Daily compensation (a maximum of 120 days per year): maximum payment per day 600 1,000 600 1,000 600 1,000 600 1,000
1.7 Deductible* - - - - 3,000 5,000 3,000 5,000
2. Benefit on medical fees for outpatients per admission (baht)
2.1 Emergency outpatient medical fees due to an accident (within 72 hours) 10,000 20,000 10,000 20,000 10,000 20,000 10,000 20,000
2.2 Outpatient medical fees (Once a day for a maximum of 30 times per year) - - 1,000 1,500 - - 1,000 1,500
2.3 Deductible* - - - - 3,000 5,000 3,000 5,000
Total maximum benefits per admission 552,000 950,000 553,000 951,500 549,000 945,000 550,000 946,500

*Deductible means a specified amount of money that the insured must pay under the terms of the insurance policy; the maximum will not exceed the amount shown in the table above for each admission (except 1.6 daily compensation and 2.2 outpatient medical fees).

Notes:

  • Outpatient medical fees (OPD) according to 2.1 cover in the event of an accident only.
  • Outpatient medical fees both in the event of illness and accident according to 2.2 available for some plans only.
  • If the insured needs to be admitted to the hospital for reasons or complications unrelated to their previous treatment as an inpatient, the insured will need to pay a deductible amount to the hospital for every inpatient treatment of 3,000 baht or 5,000 baht depending on the chosen insurance plan.
  • Not eligible for personal income tax deductions.
  • One insured can apply for one Health 1st policy only.
  • This is an annual insurance policy. The premium rates are subject to change as approved by the registrar.

Requirements

  • Insurable age: 20-55 years for the 5-year premium payment period and 20-50 years for the 10-year premium payment period
  • Minimum sum assured: 100,000 baht

Premium Rates

Annual premium of 1,000 baht of the sum assured (depending on premium payment period, gender and age of the insured)

Age (years) 5 years of premium payments 10 years of premium payments
Male Female Male Female
20 - 55 153 - 606 baht 171 - 637 baht - -
20 - 50 - - 85 - 271 baht 94 - 288 baht

For age calculation of the insured, a fraction of more than 6 months shall be counted as a full year.

Assured by Bangkok Life Assurance Public Company Limited

Notes

  • Life insurance premiums are eligible for personal income tax deductions, in line with the Revenue Department conditions.
  • Insurance products offered by the Bank are not the same as a deposit. In the event of early redemption, customers may receive returns less than the paid premiums, depending on the date the early redemption is made.
  • The insured should read and study the terms and conditions carefully before deciding to buy insurance.
  • Bangkok Bank is a life insurance broker, acting as an agent between customers and Bangkok Life Assurance. Bangkok Life Assurance conditions apply to insurance approval.
  • The insured must fill out a Health Declaration Form before applying for insurance.

For more information, please call Bangkok Life Assurance at 02 777 8888 or contact at any Bangkok Bank branch nationwide.

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