• 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.

Examples of exceptions to additional special coverage

In the event of death, loss of limbs or eyesight due to accident, and in the event of medical expenses due to accident

This insurance plan does not cover any loss or damage arising from or caused by the following:

• The acts of the insured while being under the influence of alcohol, addictive substances, or narcotics to the extent that the insured is unable to control consciousness. In the case of a blood test, being “under the influence of alcohol” means having a blood alcohol level of 150 milligrams percent or higher
• Commit Suicide, attempted suicide or self-inflicted injury
• Back pain due to herniated disc, Spondylolisthesis, Degeneration, or Spondylosis, Spondylitis, and Spondylolysis except the Fractures or Dislocation of spinal occuring due to an accident.
• Declared or undeclared war, invasion, or act of foreign enemies, civil war, uprising, rebellion, riot, strike, disturbance, revolution, coup d'état, declaration of martial law or any event which will cause the declaration or maintenance of martial law
• Terrorism

BLA CI Kids Rider

This rider does not cover critical illnesses which occurs directly or indirectly, wholly or partly caused by the following:

• Critical illnesses or abnormalities that are confirmed by a doctor and have clear evidence of being related to a critical illness covered under this rider if they occur within 90 days of either the effective date of the rider or the date the company approves an increase in the rider's sum assured, whichever occurs later. In the case where the company approves an increase in the sum assured, the rider will not provide coverage for the portion of the increased sum assured only.
• Commit suicide, attempted suicide or self-inflicted injury
• Inhalation, consumption, drinking, injection, or introduction of toxic substances into body in any way whether being conscious or falling under psychosis.
• The insured refuses to accept treatment, recommendations, or follow the doctor's advice.
• Medical treatment prescribed by the insured themselves, as well as medical treatment from a doctor who is the insured's father, mother, spouse, or child.
• HIV infection (HIV Positive) or the condition of acquired immunodeficiency syndrome (AIDS)

BLA Payor Protect Rider

This rider does not cover total and permanent disability caused by the following:

• Commit suicide, attempted suicide, or self-inflicted injury
• The acts of the payor while being under the influence of alcohol, addictive substances, or narcotics to the extent that the insured is unable to control consciousness. In the case of a blood test, being “under the influence of alcohol” means having a blood alcohol level of 150 milligrams percent or higher.
• While the payor is getting on or off or while being in an aircraft that is not registered for carrying passengers and that is not operated as a commercial airline.
• Injuries sustained while the payor is on duty as a crew member of any aircraft
• Injuries sustained by the payor while serve as a military, police, or war or war-like volunteer.
• Injuries sustained by the payor while committing a crime or under arrested, or escaping an arrest.

Notes:

• Information on the 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.
• Premiums payment is the responsibility of the insured. Premium collection by life insurance agents and brokers 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.
• Bangkok Smart Kids premium and health premium (if any) is eligible for tax deductions in accordance with the announcement from the Revenue Department.