Bangkok Smart Kids

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An endowment policy, save effortlessly, get comprehensive and various coverages, and earn a cash return at maturity.

Bangkok Smart Kids
Bangkok Smart Kids
Issued age
Newborn – 14 years old
Bangkok Smart Kids
Flexible premium payment period
9, 12, or 15 years
Bangkok Smart Kids
Receive additional extra coverage
Extra 1 Death or loss of organs and eyesight due to accident
Extra 2 Medical expenses due to accident
Extra 3 Cover 4 critical illnesses for child, receive an additional 50%(1)
Extra 4 In an event of the payor's death or total and permanent disability, receive an additional 50%(1)

(1) % of the sum assured of the life insurance policy

​Additional Extra Coverages(1)

Bangkok Smart Kids

Bangkok Smart Kids consists of:

  • Bangkok Smart Kids 15/9 is a marketing name of Bangkok 15/9, attached by BLA CI Kids Rider and BLA Payor Protect Rider
  • Bangkok Smart Kids 18/12 is a marketing name of Bangkok 18/2, attached by BLA CI Kids Rider and BLA Payor Protect Rider
  • Bangkok Smart Kids 21/15 is a marketing name of Bangkok 21/15, attached by BLA CI Kids Rider and BLA Payor Protect Rider

(1) Additional Coverage Conditions:
Additional coverage for payor (BLA Payor Protect Rider) :

  • The company provides coverage for payor who is eligibal to purchase a Payor’s Benefit (PB) in a standard premium rate. The company reserves the right to consider applications under the company's underwriting criteria
Critical illness coverage for 4 diseases (BLA CI Kids Rider) :
  • The company provides coverage for the insured accepted by the company in a standard rate. The company reserves the right to consider applications under the company's underwriting criteria
(2) BLA Payor Protect Rider provides coverage for the payor in case of death or total and permanent disability (either case). The company will not charge any additional premium, and the coverage will be calculated based on the premium payment period of the life insurance policy, or the number of years until the minor child reaches the age of 21, or the number of years until the payor reaches the age of 65, starting from the effective date of coverage, whichever period is shorter.
(3) BLA CI Kids Rider provides coverage for the insured in case of a critical illness as defined by the definition in the policy. The company will not charge any additional premium, and the coverage will be calculated based on the coverage period of the life insurance policy, or the number of years until the minor child reaches the age of 21, starting from the effective date of coverage, whichever period is shorter.

 

  • Issued age: Newborn - 14 years old
  • Starting premium: 200 baht per month
  • Premium payment mode: Annually, semi-annually, quarterly or monthly
  • Bangkok Smart Kids consists of:
    - Bangkok Smart Kids 15/9 : 15-year coverage period and 9-year premium payment period
    - Bangkok Smart Kids 18/12 : 18-year coverage period and 12-year premium payment period
    - Bangkok Smart Kids 21/15 : 21-year coverage period and 15-year premium payment period
  • Health check-ups are in accordance with the company's insurance underwriting criteria
  • Additional riders can be purchased, according to the conditions set by the company
​
Click to view Benefits and Coverage
 
Coverages Benefits
Bangkok Smart Kids
15/9		 Bangkok Smart Kids
18/12		 Bangkok Smart Kids
21/15
1. In the event of alive until the maturity Receive 115% Receive 118% Receive 121%
(% of the actual accumulated life insurance premiums paid)
2. In the event of death Receive 115% Receive 118% Receive 121%
(% of the actual accumulated life insurance premiums paid)
Plus 100% of the sum assured
Receive additional extra coverage
3. In the event of death or loss of organs and eyesight due to accident  
3.1 In an event of accidental death Receive additional 100% of the sum assured
3.2 In the event of loss of organs and eyesight  
3.2.1 Loss of 2 hands or 2 feet, or 2 eyes Receive additional 100% of the sum assured
3.2.2 Loss of 1 hand and 1 foot, or 1 hand and 1 eye, or 1 foot and 1 eye Receive additional 100% of the sum assured
3.2.3 Loss of 1 hand, 1 foot, or 1 eye Receive additional 60% of the sum assured
3.2.4 Loss of the thumb and index finger of the same hand, severed at or above the base of the fingers Receive additional 25% of the sum assured
4. Medical expenses due to accident
(within 52 weeks from the date of accident)		 As charged, up to a maximum of 5 times of monthly life insurance premiums (per visit)
5. Coverage for 4 Critical illnesses for child :
  1. Rheumatic Fever with heart involvement
  2. Kawasaki Disease with heart complications
  3. Diabetes
  4. Acquired Hydrocephalus Requiring an External Shunt
 Receive additional 50% of the sum assured
6. In the event that the payor's death or diagnosis
by a doctor as being total and permanent disability (either case)		 Receive additional 50% of the sum assured
  • The company will pay the benefits under Clause 3 if the injury results in death or loss of organs and eyesight within 180 days from the date of accident or the injured person requires continuous hospitalization as an in-patient and dies as a result of the injury.
  • The benefits under Clause 3 will be reduced by the amount of benefits paid under Clauses 3.2.3 and/or 3.2.4 (if any). Once the company has paid 100% of the sum assured, the coverage under Clause 3 will terminate.
  • Loss of a hand or foot means amputation from the wrist or ankle, including the complete and permanent loss of function of that organs as a result of an accident
  • Loss of eyesight means total blindness with impossibility of recovery
Click to view the examples Benefits and Coverage
 

Saving with Bangkok Smart Kids 15/9

Saving for your child's high school education

A mother chooses to plan her son's education, who is 1 month old, with the endowment life insurance "Bangkok Smart Kids 15/9". The coverage period is 15 years, the premium payment period is 9 years, the sum assured is 200,000 baht, and the annual premium is 14,858 baht.

 
Bangkok Smart Kids

Saving with Bangkok Smart Kids 18/12

Saving for your child's Bachelor’s degree education

A mother chooses to plan her son's education, who is 1 month old, with the endowment life insurance "Bangkok Smart Kids 18/12". The coverage period is 18 years, the premium payment period is 12 years, the sum assured is 500,000 baht, and the annual premium is 23,220 baht.

 
Bangkok Smart Kids

Saving with Bangkok Smart Kids 21/15

Saving for your child's Master’s degree education

A mother chooses to plan her son's education, who is 1 month old, with the endowment life insurance "Bangkok Smart Kids 21/15". The coverage period is 21 years, the premium payment period is 15 years, the sum assured is 1,000,000 baht, and the annual premium is 33,070 baht.

 
Bangkok Smart Kids
Click to View Coverage Exclusions
 
  • 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 additional extra coverage exclusions

In the event of death, loss of organs or eyesight due to accident, and in the event of medical expenses due to accident, this insurance does not cover any losses or damages incurred in time or as a result of any of the following causes:

  • The acts of the insured while being 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.
  • Suicide, suicide attempt, or self-inflicted injuries
  • Back pain due to herniated disc, Spondylolisthesis, Degeneration, or Spondylosis, Spondylitis, and Spondylolysis except the Fracture or Dislocation of spine occuring due to an accident
  • Declared or undeclared war, invasion, or act of foreign enemies, civil war, revolution, rebellion, civil commotion assuming the proportions of or amounting to an uprising, riot, strike, 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 from any of the following causes:

  • 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.
  • Suicide, or self-inflicted injuries, or an attempt to take such action
  • 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
  • AIDS, venereal diseases or sexual transmitted diseases

BLA Payor Protect Rider

This rider does not cover total and permanent disability from any of the following causes:

  • Suicide, suicide attempt, or self-inflicted injuries
  • Injury sustaining while the premium payor is being 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
  • Injury sustaining while the premium payor is boarding or alighting from or traveling as a passenger in an aircraft that is not licensed for carrying passengers and not operated by a commercial airline
  • Injury sustaining while the premium payor is operating or serving as a crew member in any aircraft
  • Injury sustaining while the premium payor serves in the military, police force, or volunteer and joining the war or suppression operation
  • Injury sustaining while the premium payor is committing a felony or while under arrest by or escaping arrest of authorities

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

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

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