BLA Prestige Health Supplementary Contract

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.

Prestige health
Coverage for medical expenses up to the age of 99 years old
Coverage for medical expenses up to the age of 99 years old
Maximum benefit up to 100 million THB
Maximum benefit up to 100 million THB
Room, board, and hospital service fees up to 25,000 THB per day
Room, board, and hospital service fees up to 25,000 THB per day
Additional medical expenses on physical therapy and alternative medicine
Additional medical expenses on physical therapy and alternative medicine
Outpatient medical expenses (OPD) covered as charged
Outpatient medical expenses (OPD) covered as charged(1)
Exemption of insurance premiums under critical illness
Exemption of insurance premiums under critical illness(2)
  • Insured age 11 – 80 years
  • 1-year term coverage period and premium payment period; coverage can be purchased for the same coverage period as the main contract that BLA Prestige Health supplementary contract attached or coverage up to 99 years of age.
  • Premiums may be paid annually, 6 months, 3 months or monthly (according to the main life insurance contract).
  • One insured is eligible for one Prestige Health policy only
  • The health check is in accordance with the company's insurance underwriting criteria.

(The above coverage is available for only coverage plan with 100-million THB maximum benefit per insurance policy year with global coverage area.)

(1) The amount under “Covered a charged ” must not exceed the benefits specified in the benefit table under additional benefits number 9 Fees for medical practitioners, general practitioners and specialists for outpatient treatment per year of insurance (up to 2 times a day and not more than 360 times per insurance policy year). This benefit also includes fees for laboratory diagnostics, x-rays, ultrasound and prescription medication for treatment, not exceeding 30 days after the date of treatment as an outpatient.
(2) In a case where one of the three critical illnesses occurs (Metastasis cancer, acute myocardial infarction due to ischemic attack, and Hemorrhagic Stroke or Ischemic Stroke), the Company will proceed to waive the premiums under Prestige Health Supplementary Contract including the premiums of OPD Sabuyjai Prestige (if any) for a period of 1 year (limited for one critical illness and one time throughout the term of this supplement contract). The first insurance premium exempted refers to the first insurance premium (according to the original payment period) due in the next policy year, after the benefits under the current policy year has been approved and paid by that the Company. Afterwards, premiums shall be waived accordingly to the amount of the original period until the end of 1 year contract.

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Unit: Baht

Area of Coverage Thailand Thailand Thailand/Asia*/ Global except the United States of America and U.S. Minor Outlying Islands / Global
Maximum Benefit per policy year 10-million THB 30-million THB 50-million THB 80-million THB 100-million THB
1. In-patient benefits
Group 1 Hospital daily room & board, food and hospital service charges (in-patient) per confinement 8,000 per day 10,000 per day 12,000 per day 15,000 per day 25,000 per day
  In the event of ICU, such benefit will be paid for hospital daily room & board, food and hospital service charges (in-patient), with all Group 1 benefits combined and not exceeding 365 days. As charged
Group 2 Fees for medical service, diagnosis, treatment, blood service, nurse service, medicine, intravenous nutrient and medical supplies, per policy year As charged
Subgroup 2.1 Medical service fees for diagnosis
Subgroup 2.2 Treatment medical services, blood services and nursing services
Subgroup 2.3 Medicine, intravenous nutrition and medical supplies
Subgroup 2.4 Take-home medicine and medical supplies (Medical Supply 1), not exceeding 30 days
Group 3 Fees for medical professional services (physician), examination, physical services per confinement, not exceeding 365 days As charged
Group 4 Fees for surgery and procedures per policy year As charged
Subgroup 4.1 Operating or medical procedure room
Subgroup 4.2 Medicine, intravenous nutrition and medical supplies and surgical devices
Subgroup 4.3 Medical professional services, physician (and assistant) fees for surgery & procedure
Subgroup 4.4 Physician fees-Anesthesiology
Subgroup 4.5 Medical expenses for organ transplantation are covered as charged (Limited 1 time per lifetime for this supplementary contract)
Group 5 Day Surgery As charged
2. Out-patient benefits
Group 6 Fees for diagnosis before and after in-patient treatment or fees for follow up OPD treatment, which are directly related to in-patient treatment, per policy year As charged
Subgroup 6.1 Fees for diagnosis directly related to in-patient treatment within 30 days before and after admission
Subgroup 6.2 Fees for follow up OPD treatment (per admission) within 30 days after hospital discharge (excluding fees for diagnosis)
Group 7 Fees for OPD treatment of injury within 24 hours of each accident As charged
Group 8 Rehabilitation fees after admission per policy year (1 time per day within 60 days after the admission) Not covered When combined with the benefits in Group 10 Extended rehabilitation benefits, must not exceed
5,000 10,000 50,000
Group 9 Medical services fees for chronic kidney failure treatment by hemodialysis per policy year. As charged
Group 10 Medical services fees for tumour or cancer treatment by radiation therapy, interventional radiology, nuclear medicine, per policy year
Group 11 Medical services fees for cancer treatment by chemotherapy per policy year
Group 12 Emergency ambulance fees
Group 13 Minor surgery
Deductible None
Additional benefits
3. Medical services fees for Physical therapy, occupational therapy, and speech therapy (Subgroup 2.2 extension) (not exceeding 30 days per disease) As charged
4. Orthopedic braces or durable medical devices which are necessary while getting sick or injured or prosthesis (for the insured’s lifetime) 50,000 80,000 100,000 200,000 400,000
5. Private nurse fees as recommended by a doctor after the admission, not exceeding 60 days per policy year As charged
6. Fees for follow up OPD treatment of injury within 15 days per accident As charged
7. Dental care due to accident
8. Advanced diagnostic body imaging
9. Outpatient charge for general practitioners and specialists including the cost of medicines and diagnostic laboratory services (maximum 2 times per day and not exceeding 360 times per policy year) Not covered(1) 15,000 30,000 As charged
10. Rehabilitation benefit extension (group 8 benefit extension) per policy year
  • Physical therapy (1 time per day within 60 days after the admission)
  • Acupuncture, homeopathy, osteopathy and chiropractic
Not covered When combined with the benefits in Group 8 Rehabilitation, must not exceed
5,000 10,000 50,000
11. Hospital Income Benefit in case of in-patient but not exercising an in-patient benefit claim (not exceeding 10 days per policy year) 2,000 per day
12. Waiver of Premium for sickness with critical illnesses (limit 1 critical illness and 1 time throughout the contract period) 1-year premiums exemption
Example Standard annual premium for males and females aged 30 years old, under coverage area of Thailand 18,611 19,818 33,237 38,817 90,176

The total benefits of group 1-13 and additional benefits must not exceeded the maximum benefits per policy year.
(1) Prestige Health coverage plans 10-million THB and 30-million THB can be purchased along with an endorsement of OPD medical treatment expenses package (OPD Sabai jai Prestige). Conditions are as specified by the Company.
*Remark : The insured can purchase only one Prestige Health insurance policy and can choose only one area of coverage. Insurance premiums vary for each coverage area • Asian continent includes: Bangladesh, Bhutan, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Kazakhstan, Kyrgyzstan, Laos, Macau, Malaysia, Maldives. Mongolia, Myanmar, Nepal, Pakistan, the Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Tajikistan, Turkmenistan, Uzbekistan, Vietnam and Thailand

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Superior comprehensive health coverage

Prestige Health

Health coverage that goes with your lifestyle

Choosing the right coverage for you

Example: 30 year-old lady in a good health, mainly works and resides in Thailand. She would love to have an all-inclusive health coverage that covers various illnesses with pocket-friendly premiums.

  • Purchase Prestige Health 10-million THB plan, along with OPD Sabai Jai Prestige* Plan 1500 for outpatient coverage
Prestige Health
  • Purchase Prestige Health with 30-million THB plan, along with OPD Sabai Jai Prestige* Plan 2000 for outpatient coverage
Prestige Health

*Endorsement of outpatient medical expenses benefits package (OPD Sabai Jai Prestige)

Example: Standard annual premium of a 30 year-old female

Unit: Baht

Coverage Plan Prestige Health insurance premiums OPD Sabai Jai Prestige Added Protection OPD Sabai Jai Prestige insurance premiums Total premiums
10-Million THB 18,611 Plan 1500 5,700 24,311
30-Million THB 19,818 Plan 2000 7,600 27,418

(1) For coverage plan of 50-million THB or over
(2) Not exceeding the benefits stated on the benefit table of each category
(3) Maximum total benefit per insurance policy year
(4) In case of purchasing additional outpatient coverage, benefits according to the endorsement of outpatient medical benefits package (OPD Sabai Jai Prestige) plan 1500 (maximum 1,500 THB per time, 1 time per day, maximum 30 times per insurance policy year)
(5) In case of purchasing additional outpatient coverage, benefits according to the endorsement of outpatient medical benefits package (OPD Sabai Jai Prestige) plan 2000 (maximum 2,000 THB per time, 1 time per day, maximum 30 times per insurance policy year).

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Additional health insurance contract Prestige Health

Pre-existing conditions of chronic disease, injury or illness (including complications) that has not been treated prior to the date this additional contract becomes effective for the first time, unless:

  • 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 all types of cancer. Hemorrhoids All types of hernias. Pterygium or cataracts
Tonsillectomy or adenoids. All kinds of stones Varicose veins in the legs Endometrial hyperplasia.
  • Tumors, cysts or all types of cancer.
  • Hemorrhoids
  • All types of hernias.
  • Pterygium or cataracts
  • Tonsillectomy or adenoids.
  • All kinds of stones
  • Varicose veins in the legs
  • Endometrial hyperplasia.

Additional health insurance contract Prestige Health

The insurance under this rider shall not cause expense for physical treatment or damage caused by the injury or sickness (including the complication of diseases), symptom or abnormal condition caused by:

  1. Conditions that are caused by congenital abnormalities, or congenital organ system defects, or genetic disorders, or growth development abnormalities.
  2. Diagnosis and treatment or cosmetic surgery or skin treatments, acne, melasma spots, freckles, dandruff, hair fall, or weight control, or optional surgery, except the construction of wound was caused by an accident under coverage.
  3. Pregnancy, miscarriage, abortion, childbirth, pregnant complications, infertility (including analysis and treatment), sterilization or birth control.
  4. Suicide, suicide attempt or self-injury
  5. Injury sustaining while the Insured is under the influence of alcohol, addictive substance, narcotic drugs to the extent that the persons faculties to operate are materially and appreciably impaired. The term “under the influence of alcohol” in case of having a blood test refers to a blood/alcohol level of 150 milligram percent and over.
  6. HIV positive or acquired immunodeficiency syndrome (AIDS) of the insured, whether directly or indirectly

Remarks

  1. Prestige Health insurance consists of Additional Contract Prestige Health and an endorsement attached to the Additional Contract Prestige Health (Other Additional Benefits).
  2. This offer document is only a summary of preliminary benefits only. The prospect insured should read the details of insurance protection, benefits and exclusion before purchasing. Overall, the complete terms and conditions and all exclusions can be inquired through the representatives or written policies.
  3. Policyholder is responsive for Premium payment. Agents and brokers collecting insurance Premium is just the optional service.
  4. Health declaration is one of the consideration factors for eligibility to be insured or for insurance contract payment.
  5. Insurance is in accordance with the company's underwriting conditions.
  6. Prestige Health insurance premiums can be adjusted based on factors such as age, occupation, and increased medical expenses, or the overall claims payment within the insured’s portfolio.
  7. Prestige Health insurance premiums can be used for personal income tax deductions, according to the rules set by the Revenue Department of Thailand.

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