A 35-year-old male in good health purchases a Happy CI rider with a 1,000,000 baht sum assured attached to his insurance policy. He selects a premium payment period of 20 years at a yearly rate of 24,280 baht.

Case 1: A suffers from a non-invasive cancer and undergoes a coronary artery surgery.

Case 2: A suffers from a non-invasive cancer and is alive until the maturity date of the insurance policy at the age of 99.

Case 3: Undergoing a coronary angiography surgery

Case 4: Never suffering from any critical illness and being 99 years old and alive on the date the policy matures

Happy CI rider
The insurance provided by such rider does not cover critical illness caused directly or indirectly, in whole or in part, by the following:

• An abnormality that is confirmed by a doctor and clearly associated with critical illness or critical illness that occurs prior to the effective protection date under this rider, or prior to the date the rider is renewed after the rider has matured (reinstatement), or prior to the date the company approves the increase the sum assured under this rider (whichever day occurs later). However, in the event that the company approves an increase in the sum assured, the company will exclude only the part of the increased sum assured.
• Suicide, self-harm, or attempting to do so
• Inhaling, eating, drinking, injecting, or introducing toxic substances into the body by any means, whether under the influence or conscience.
• The insured refuses to accept treatment, follow a recommendation, or follow the doctor's advice.
• Medical examinations prescribed by the insured who are doctors, including medical examinations from doctors who are parents, spouses, or children of the insured.
• Infection with Human Immunodeficiency Virus (HIV Positive) or Immune Deficiency Syndrome (AIDS) of the insured, either directly or indirectly, under the purpose of the benefits of this rider.

Note

• This advertising media 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.
• Remittance of premiums is the responsibility of the insured. The fact that life insurance agents and brokers offer to collect premiums is a service only.
• A health declaration is one of the factors for underwriting and benefits payment consideration.
• For maximum benefits from the policy, the insured should pay premiums until the premium payment period completes and hold the policy until its maturity.
• Premiums can be used for personal income tax deductions, according to the criteria set by the Revenue Department.
• Examples of coverage exclusions under Happy CI rider are a part of the coverage exclusions under Happy CI rider and are in accordance with the terms and conditions of the insurance.