Stay worry-free about medical expenses and excess room expenses, with the standard single room* coverage from BLA Happy Health Rider making you happier.

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 Rider with a deductible to obtain additional coverages while paying lower premium.

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

BLA Happy Health 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

BLA Happy Health 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. BLA Happy Health insurance is the marketing name. The product name in Policy Contract is BLA Happy Health Rider and BLA Happy Health Endorsement (additional benefits).
2. Information on website 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.
3. Premiums payment is the responsibility of the insured. Premium collection by life insurance agents and brokers is a service only
4. A health declaration is one of the factors for underwriting or benefits payment consideration
5. Insurance underwriting is in accordance with the company's underwriting conditions
6. BLA Happy Health insurance premium 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.
7. BLA Happy Health insurance premium is eligible for tax deduction in accordance with the announcement from the Revenue Department
8. The territory of coverage according to the coverage benefits of the rider is Thailand
9. In the event that the insured has claim history in accordance with one of the copayment conditions in the renewal year, the copayment requirements will be added into the coverage agreement (for the new health standard policy which has an effective date starting from 20 March 2025 onwards)