BLA Aunjai Rokrai

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The older you get...the more likely you are to become unwell. Prepare for critical diseases with BLA Aunjai Rokrai, a level-premium policy. There is no reason to be concerned about high insurance prices based on age. Get coverage for five groups of critical illnesses that will last until the age of 90.

Insured age from 20 – 75 years old and coverage period up to 90 years old
Issued age from 20 – 75 years old and coverage period up to 90 years old
Fixed premiums throughout contract
Level premiums throughout contract
Covering 5 groups of critical illnesses
Covering 5 groups of critical illnesses
Covering for Non-invasive and Invasive Cancer
Covering for Non-invasive and Invasive Cancer
  • BLA Aunjai Rokrai consists of BLA Aunjai and BLA Easy Care rider
  • Health check-ups are in accordance with the company's underwriting criteria
  • The BLA Aunjai Rokrai allows for the purchase of multiple policies as long as the total sum assured for all BLA Easy Care riders does not exceed 3,000,000 baht
BLA Aunjai
Click to view Benefits and Coverage
 
Coverage Sum Assured (Baht)
  Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7
BLA Aunjai Rokrai 50,000 50,000 50,000 50,000 50,000 50,000 50,000
BLA Easy Care Rider 100,000 200,000 300,000 400,000 500,000 750,000 1,000,000
Coverage Benefit
1. BLA Aunjai life insurance policy  
1.1 In the event of death 100% of the sum assured
1.2 In the event of living until the age 90 100% of the sum assured
2. BLA Easy Care Rider*  
2.1 Coverage in case of critical illnesses as follows:  
  • Invasive cancer
  • Non-cancerous brain tumors
  • Heart muscle disease
  • Cardiovascular surgery
  • Angina treated with coronary artery catheterization
  • Acute myocardial infarction from ishemia
  • Multiple sclerosis
  • Hemorrhagic stroke or blockage
  • Viral encephalitis
  • Aneurysm requiring surgical treatment
 100%** of the sum assured
2.2 Coverage per incident of non-invasive cancer
(up to 100% of the sum assured)		 20% of the sum assured

* The non-insurance window for BLA Easy Care Rider benefit payments begins on the policy's effective date and lasts 90 days. As long as the life insurance policy and the rider are both in existence, the company will pay benefits when a doctor diagnoses or confirms one of the 11 serious illnesses covered under the coverage.

**Critical illness coverage as defined in item 2.1 and deducted by non-invasive cancer benefit amount according to item 2.2 (if any). When both situations are considered, the insured will be provided a maximum coverage of 100% of the rider's sum assured. Furthermore, the rider will automatically terminate once the company has paid the specified sum.

Click to view the examples benefits under BLA Aunjai Rokrai
 

A 30-year-old male merchant requires critical illness coverage. However, because to his unsteady income, he decides to apply for BLA Aunjai Rokrai with 1,000,000 baht sum assured. He pays a premium of 9,544 baht per year throughout the contract period because it is a level-premium policy that do not grow as the insured ages.

BLA Aunjai Rok Rai
Click to View Coverage Exclusions
 

BLA Aunjai life insurance policy

  • 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.

BLA Easy Care Rider

The critical illnesses specified in the rider is the only ailments that are covered by the rider. Furthermore, this rider does not cover critical illnesses caused directly or indirectly by the following causes:

  • Symptoms of critical illnesses or critical illnesses occurring prior to the rider's effective date, or prior to the rider's final reinstatement, or prior to the day the company accepts the increase in the sum assured, whichever is later. If the company accepts an increase in the sum assured, this rider will not only cover the higher sum assured.
  • Human Immunodeficiency Virus infection (HIV positive) or Acquired Immunodeficiency Syndrome (AIDS)

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

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