BLA Happy Health

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.

Health Insurance BLA Happy Health consists of
- Supplementary health insurance BLA Happy Health
- The endorsement is under BLA Happy Health Health Insurance Supplementary Contract covers medical expenses as the result of critical illness
- The endorsement is under BLA Happy Health Health Insurance Supplementary Contract, covers daily compensation for medical expenses (for no deductible)

  • BLA Happy Health Health Insurance : Insured age from 11 to 80 years old
  • The insured period and the premium payment period is 1 year. The coverage can be renewed through purchasing a continuous coverage that is equal to the insured period of the life insurance contract attached to the BLA Happy Health or a coverage up to the age of 99 years old.
  • Premiums may be paid annually, semi-annually, quarterly or monthly (according to the main life insurance contract).
  • The health check is in accordance with the company's insurance underwriting criteria.
BLA Happy Health
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Unit: Baht

Benefits Plan 1 Plan 2 Plan 3
Maximum total benefit per confinement for medical treatment due to illness or general injury 500,000 1,000,000 5,000,000
Maximum total benefit per confinement for cancer, heart disease or stroke 550,000 1,100,000 5,500,000
1. In-patient benefits
Group 1 Hospital daily room & board, food and hospital service charges (in-patient) per confinement, not exceeding 180 days Single patient room starting price per day
In the event of ICU, such benefit will be paid for hospital daily room & board, food and hospital service charges (in-patient), according to as charge, not exceeding 60 days, combine the number of days with group 1 must not exceeding 180 days As charged
Group 2 Fees for medical service, diagnosis, treatment, blood service, nurse service, medicine, intravenous nutrient and medical supplies per confinement 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 7 days 5,000 20,000 20,000
Group 3 Fees for medical professional services (physician), examination, physical services per confinement, not exceeding 180 days  
Group 4 Fees for surgery and procedures per confinement 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, according to the doctor fee guideline As charged
Subgroup 4.4 Physician fees-Anesthesiology, according to the doctor fee guideline
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
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 confinement 1,000 2,000 2,000
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 Not Covered
Group 8 Fee for each of the post-treatment rehabilitation per policy year
Group 9 Medical services fees for chronic kidney failure treatment by hemodialysis per policy year. 50,000 100,000 100,000
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 As charged
Group 13 Minor surgery
Deductible per confinement None 30,000 50,000 None 30,000 50,000 100,000 None 30,000 50,000 100,000
Additional Benefits
Daily compensation for medical expenses in case of being an inpatient but does not claim inpatient benefits with BLA Happy Health insurance without deductible, not exceeding 10 days per policy year 1,000 - - 2,000 - - - 2,000 - - -
Example: Standard annual premium for male aged 30 year-old. 14,277 8,261 6,606 15,028 8,696 6,954 2,782 16,334 9,740 8,276 3,213
Example: Standard annual premium for female aged 30 year-old. 15,511 9,382 6,801 16,370 9,876 7,168 2,867 17,989 10,863 8,530 3,268
The Company will pay benefits for necessary and reasonable expenses that are caused by medical treatment prescribed by the doctors and must follow the medical standard. The grand sum benefit amount is as charged by the hospital, but must not exceed the benefits specified in the coverage benefit table.
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Stay worry-free from all medical expenses and excess room expenses, with the standard single-occupancy hospital room* coverage from BLA Happy Health. The health insurance that guarantees to make you happier.

BLA Happy Health

Those without welfare or without health insurance may choose BLA Happy Health insurance plan with no deductible, in order to ensure welfare for yourself and to hold a peace of mind when it comes to medical expenses.

BLA Happy Health

Those who provided with corporate/organization health welfare or already owned a health insurance with potential insufficient coverage limit may choose BLA Happy Health plan with deductible, in order to gain additional protection with lower premiums.

BLA Happy Health
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BLA Happy Health Rider

Pre-existing conditions of chronic disease, injury or illness (including complications) that has not been treated prior to the date this rider 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

BLA Happy Health Rider

Shall not cover the 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.

Remarks

  1. This 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 completely term and conditions and all exclusions can be inquired through the representatives or written policies.
  2. Policyholder is responsible for premium payment. Agents and brokers collecting insurance Premium is just the optional service.
  3. Health declaration is one of the consideration factors for eligibility to be insured or for insurance contract payment.
  4. Insurance underwriting is in accordance with the company's underwriting conditions.
  5. BLA Happy Health insurance premiums can be adjusted based on factors such as age, occupation, increased medical expenses, or the overall claims payment within the insured’s portfolio.
  6. BLA Happy Health insurance premiums can be used for personal income tax deductions, according to the rules set by the Revenue Department of Thailand.
  7. BLA Happy Health Insurance is a marketing name. The name that appears on the insurance type is BLA Happy Health Supplementary Contract and the endorsement is under BLA Happy Health Health Insurance Supplementary Contract (Other Additional Benefits).

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