* The critical illness coverage benefit payment of BLA Easy Care rider has 90-day waiting period, starting from the policy's effective date. The company will pay benefit if the insured is diagnosed and/or confirmed by a doctor as having a critical illness with one of the 11 serious diseases covered.

** Critical illness coverage as defined in item 2.1 will be deducted by non-invasive cancer benefit amount according to item 2.2 (if any). The maximum coverage for both cases combined is 100% of the rider's sum assured.
The rider will automatically terminate once the company has paid the full amount.

A 50-year-old male is interested in purchasing BLA Aunjai Rokrai Plan 7 (Sum assured of 50,000 baht for BLA Aunjai life insurance policy and 1,000,000 baht for BLA Easy Care rider). He chooses to pay the premium annually until the age of 90, with yearly premium of 19,001 baht.

* The total benefit amount that he has received for medical treatment due to illness has reached the sum assured under the BLA Easy Care rider Plan 7, hence the coverage under this rider will automatically terminate.

BLA Aunjai life insurance policy

• 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.

BLA Easy Care Rider

The insurance provided by such rider does not cover illnesses from any other diseases other than the critical illnesses specified in this rider and does not cover critical illnesses caused directly or indirectly from the following causes;

• Symptoms of critical illnesses or critical illnesses occurring prior to the rider's effective date, or prior to the latest date of reinstatement, or prior to the date that the company approves to increase in the sum assured, whichever is later. In case the company approves to increase in the sum assured, this rider will not only cover the increasing sum assured.
• Human Immunodeficiency Virus infection (HIV positive) or Acquired Immunodeficiency Syndrome (AIDS)

Note

• 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
• The BLA Easy Care Rider premium can be used for personal income tax deduction, maximum does not exceed 25,000 baht per year, when combined with the BLA Aunjai life insurance policy premium, a total amount must not exceed 100,000 baht per year. In accordance with the announcement from the Revenue Department No. 315 and 172 respectively.