Life Insurance

BLA Happy Health


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.

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

 

BLA Happy Health
Click to view Benefits and Coverage
 

Unit : Baht

Benefits Plan 1,000,000 Plan 5,000,000 Plan 10,000,000
Maximum total benefits per confinement due to illnesses or general injuries 1,000,000 5,000,000 10,000,000
Maximum total benefits per confinement for Cancer, Heart disease, or Major stroke 1,100,000 5,500,000 11,000,000
1. In-patient benefits
Group 1 Room & board, and hospital service fees (in-patient) per confinement as an in-patient (not exceeding 180 days) As charged Total benefits must not exceed the starting single room fee
In the event that the insured is in the Intensive Care Unit (ICU), room & board, and hospital service (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, nursing service fees, medicine fees, parenteral nutrition fees, and medical supplies fees per confinement As charged
Subgroup 2.1 Medical service fees for diagnosis
Subgroup 2.2 Medical service fees for treatment, blood service and blood component, and nursing service
Subgroup 2.3 Fees for medicine, parenteral nutrition, and medical supplies
Subgroup 2.4 Take-home medicine 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 (not exceeding 180 days) As charged
Group 4 Medical expenses for surgery and procedures per confinement
Subgroup 4.1 Fees for operating or medical procedure room
Subgroup 4.2 Fees for medicine, parenteral nutrition, medical supplies, and surgical devices
Subgroup 4.3 Fees for medical professional services of surgery & procedure physician (and assistant) (Doctor fee), according to the doctor fee guideline
Subgroup 4.4 Fees for medical professional services of anesthetist (Doctor fee), according to the doctor fee guideline
Subgroup 4.5 Fees 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 directly related to before and after in-patient treatments or medical fees for out-patient follow-up treatments after being discharged directly from in-patient treatments, per confinement 2,000 2,000 10,000
Subgroup 6.1 Medical service fees for diagnostic examinations directly related to and occurred before and after being discharged directly from in-patient treatments, within 30 days
Subgroup 6.2 Medical fees for out-patient follow-up treatments within 30 days after being discharged from in-patient treatments (excluding diagnostic examination fees), per admission
Group 7 Out-patient medical service fees in case of injuries, within 24 hours of each accident Not covered 10,000
Group 8 Fee for each of the post-treatment rehabilitation, per policy year Not covered
Group 9 Medical service fees for chronic kidney failure treatment by-hemodialysis, per policy year 100,000 100,000 200,000
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 fees As charged
Group 13 Medical service fees for minor surgery
Deductible per confinement (for benefits and coverage Group 1-5) 30,000 100,000 30,000 100,000 30,000 100,000
Example Standard annual premium for male aged 35 years old 9,225 3,148 10,333 3,747 12,343 5,291
Example Standard annual premium for female aged 35 years old 10,308 3,244 11,339 3,880 13,157 5,135
The company will pay benefits for covered expenses incurred due to reasonably and medically necessary treatment. These benefits will not exceed the maximum amount specified in the Benefits Table.
Click to view the examples Benefits and Coverage
 

Stay worry-free about medical expenses and excess room expenses, with the standard single room* coverage from BLA Happy Health Rider making you happier.

BLA Happy Health

Individuals with existing welfare benefits from their organization or a personal health insurance policy, but are concerned about insufficient coverage, can choose for the BLA Happy Health Rider with a deductible to obtain additional coverages while paying lower premium.

BLA Happy Health

Upon retirement, the insured who has BLA Happy Health Rider with a deductible may exercise the right to change their coverage plan by reducing the deductible to increase coverage. This can be done without a renewal underwriting process and the waiting period. The eligible insured must be aged between 55 to 65 years old and have held the BLA Happy Health Rider with a deductible for at least 5 consecutive years on the date of request. Terms and conditions apply as determined by the company.

BLA Happy Health
Click to View Coverage Exclusions
 

BLA Happy Health 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

BLA Happy Health 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:

  1. Conditions that are caused by congenital anomalies, or congenital organ system defects, or genetic disorders, or pervasive development disorders
  2. 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
  3. Pregnancy, miscarriage, abortion, childbirth, any pregnancy complications, infertility resolution (including diagnosis and treatment), sterilization or birth control
  4. Suicide, suicide attempt or self-inflicted injuries
  5. 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

  1. BLA Happy Health insurance is the marketing name. The product name in Policy Contract is BLA Happy Health Rider and BLA Happy Health Endorsement (additional benefits).
  2. Information on 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.
  3. Premiums payment is the responsibility of the insured. Premium collection by life insurance agents and brokers is a service only
  4. A health declaration is one of the factors for underwriting or benefits payment consideration
  5. Insurance underwriting is in accordance with the company's underwriting conditions
  6. BLA Happy Health insurance premium 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.
  7. BLA Happy Health insurance premium is eligible for tax deduction in accordance with the announcement from the Revenue Department
  8. The territory of coverage according to the coverage benefits of the rider is Thailand

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