BLA Happy Health Premier

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.

Issued age from
11 – 80 years old

Choose your own coverage plan
with/without deductible⁽⁴⁾

Medical expenses coverage up to age
99 years old

Cancer, Heart disease, Major stroke
Up to 11 million baht⁽⁵⁾

Hospital room & board fees coverage
In standard single room⁽¹⁾ or up to 5,000 baht
per day⁽²⁾, whichever is higher

Dialysis, radiotherapy, chemotherapy
Up to 5 million baht⁽⁶⁾

Maximum total benefit per time
10 million baht⁽³⁾

Receive crisis reliever benefit of
300,000 baht for critical patients

(1) Standard single room means the starting price for a single room at the hospital
(2) Room & board, food, and in-hospital services (in-patients) per confinement for the 10 million baht plan
(3) Maximum total benefit per confinement due to illness or injury for the 10 million baht plan
(4) Deductible means to the initial part of the loss that the insured must be responsible according to the terms of the insurance contract
(5) Maximum total benefit per confinement from Cancer, Heart disease or Major stroke for the 10 million baht plan
(6) Medical expenses for the treatment of diseases in Groups 9, 10 and 11 (for outpatient), for the 10 million baht plan

Insurance Conditions

BLA Happy Health Premier Rider: Issued age from 11 - 80 years old
Coverage period and premium payment period is one year. The coverage can be renewed for a period equivalent to the term of the life insurance contract that the BLA Happy Health Premier Rider attached to, or up to the age of 99 years old.
Premium payment period: annually, semi-annually, quarterly, and monthly (according to the life insurance contract)
Health check-ups are in accordance with the company's underwriting criteria

Be happier with enhanced coverage. Worry-free about medical expenses

Room & Board fees

Covers a standard single room in any hospitals⁽¹⁾,
or a maximum of 5,000 baht per day⁽²⁾,
whichever is higher

Surgical doctor fees

Fees for medical professional services of surgery and procedures, and anesthetist, as charged

Medical service fees for treatment

Dialysis, Cancer treatment (Targeted therapy),
chemotherapy, and radiotherapy,
as charged up to 5,000,000 baht⁽³⁾

Coverage that goes beyond medical expenses

In case of critical illness or injury, receive a lump sum of 300,000 baht⁽⁴⁾

Choose your coverage plan

With or without deductible⁽⁵⁾,
with a freedom to adjust your plan
to match your welfare

(1) Standard single room means the starting price for a single room at the hospital
(2) Room & board, food, and in-hospital services (in-patients) per confinement for the 10 million baht plan
(3) Medical expenses for the treatment of diseases in Groups 9, 10 and 11 (for outpatient), for the 10 million baht plan
(4) Critical illness coverage for the insured who suffers an injury or illness that necessitates medical treatment according to medical standards, as specified below:

(4.1) Treatment of metastatic cancer as per the specified treatment protocol
(4.2) Transplantation, including heart, lung, liver, kidney, pancreas, intestine, and bone marrow transplants
(4.3) Physician-approved major organ surgeries for the treatment of a medical condition
(4.4) Intensive care unit (ICU) stay requiring mechanical ventilation or cardiopulmonary support for at least 120 consecutive hours per confinement
(4.5) In-patients stay for a continuous period of 20 days or more, including complicated surgery as specified during confinement.
However, there is a 90-day waiting period from the coverage’s effective date of the contract.

(5) Deductible means to the initial part of the loss that the insured must be responsible according to the terms of the insurance contract

Click to view Benefits and Coverage

Benefits and Coverage

Unit : Baht

Benefits		Plan 1,000,000			Plan 5,000,000			Plan 10,000,000
Maximum total benefit per confinement from illness or general injuries		1,000,000			5,000,000			10,000,000
Maximum total benefit per confinement from cancer, Heart disease, or major stroke		1,100,000			5,500,000			11,000,000
1. In-patient benefits
Group 1	Room & board, food, and hospital service fees (in-patient) per confinement as an in-patient (not exceeding 180 days)	3,000 Baht per day			3,000 Baht per day			5,000 Baht per day
		Or a standard single room per day (whichever is higher)
	In the event that the insured is in the Intensive Care Unit (ICU), room & board, food, and hospital services fees (in-patient) will be paid in full up to 60 days. With all the amount to days in Group 1 included, must not exceed 180 days	As charged
Group 2	Medical service fees for diagnosis or treatment, blood transfusion service and blood component fees, and nursing service fees, medicine fees, parenteral nutrition fees, and medical supplies fees per confinement as an in-patient	As charged
Subgroup 2.1	Medical service fees for diagnosis
Subgroup 2.2	Medical service fees for treatment, blood services and blood component, and nursing service
Subgroup 2.3	Medicine, intravenous nutrition and medical supplies
Subgroup 2.4	Expenses for Home medication and medical supplies (Medical Supply 1), not exceeding 7 days	20,000			20,000			50,000
Group 3	Medical professional fees (Physician) for examination and treatment per confinement as an in-patient (not exceeding 180 days)	As charged
Group 4	Medical expense for surgery and procedures per confinement as an in-patient
Subgroup 4.1	Operating or medical procedure room
Subgroup 4.2	Medicine, intravenous nutrition, medical supplies and surgical devices
Subgroup 4.3	Fees for medical professional services of surgery & procedure physician (and assistant) (Doctor fee)
Subgroup 4.4	Fees for medical professional service of anesthetist (Doctor fee)
Subgroup 4.5	Medical expenses for organ transplantation are covered as charged (Limited 1 time per lifetime for this rider)
Group 5	Major surgery as an out-patient (Day Surgery)
2. Out-patient benefits
Group 6	Medical service fees for diagnostic examinations before and after a directly related in-patient confinement or medical fees for out-patient follow-up treatments after being discharged from a directly related to a confinement as an in-patient	2,000			2,000			10,000
Subgroup 6.1	Medical service fees for diagnostic examinations before and after a directly related to a confinement as an in-patient, within 30 days
Subgroup 6.2	Medical fees for out-patient follow-up treatments after being discharged from a directly related confinement as an in-patient, within 30 days post-confinement (excluding diagnostic examination fees)
Group 7	Out-patient medical service fees in case of injuries, within 24 hours from an accident per event	Not covered						10,000
Group 8	Fee for each of the post-treatment rehabilitation per one time per policy year	Not covered
Group 9	Medical services fees for chronic kidney failure treatment by-hemodialysis per policy year	1,000,000			3,000,000			5,000,000
Group 10	Medical service fees for the treatment of cancer and tumor by radiotherapy, interventional radiology and nuclear medicine, per policy year
Group 11	Medical service fees for cancer treatment by chemotherapy, including targeted therapy per policy year
Group 12	Emergency ambulance service fee	As charged
Group 13	Medical service fees for minor surgery	As charged
Deductible per confinement (For benefits and coverage Group 1 - 5)		-	30,000	100,000	-	30,000	100,000	-	30,000	100,000
Additional Benefits
Critical illness benefit (1 time during the insured’s lifetime for this rider that this endorsement is attached to) (This benefit is not included in the maximum total benefit per confinement)		300,000			300,000			300,000
Daily hospitalization compensation in case of in-patient but not exercising an in-patient benefit claim under the BLA Happy Health Premier Rider with no deductible, not exceeding 10 days per policy year		2,000	-	-	2,000	-	-	2,000	-	-
Example: Standard annual premium for male aged 35 years old		19,944	12,209	6,132	21,605	13,504	6,918	24,551	15,950	8,898
Example: Standard annual premium for female aged 35 years old		21,865	14,153	7,089	24,008	15,760	8,301	27,057	18,110	10,088
The company will pay benefits for covered expenses incurred due to reasonably and medically necessary treatment. These benefits must not exceed the maximum amounts specified in the Benefits Table.

Click to view the examples Benefits and Coverage

Click to View Coverage Exclusions

Events that the Company will not cover

BLA Happy Health Premier 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

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

Coverage exclusion example

BLA Happy Health Premier 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:

Conditions that are caused by congenital anomalies, or congenital organ system defects, or genetic disorders, or pervasive development disorders
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
Pregnancy, miscarriage, abortion, childbirth, any pregnancy complications, infertility resolution (including diagnosis and treatment), sterilization or birth control
Suicide, suicide attempt, or self-inflicted injuries
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

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.
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 or benefits payment consideration
Insurance underwriting is in accordance with the company's underwriting conditions
BLA Happy Health Premier health insurance premiums 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
BLA Happy Health Premier health insurance premiums is eligible for tax deduction in accordance with the announcement from the Revenue Department
The territory of coverage according to the coverage benefits of the rider is Thailand
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)

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Agent / FA เรายินดีให้ข้อมูลและพร้อมบริการคุณเสมอ

Corporate Building up your Confidences. We are happy to provide more information to resolve your doubts and questions.

Investor We are happy to provide information for your investment decision in our company.

Policy Services เพราะคุณคือคนสำคัญ เรายินดีให้ข้อมูล เพื่อแก้ไขข้อสงสัยของคุณ

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BLA Happy Health Premier

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Call Center

02-777-8888

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