| Coverage | Benefits |
|---|---|
| Life coverage | Receive 100% of the sum assured or actual accumulated life insurance premiums paid, whichever is higher |
| Maturity benefit | On the maturity date, receive 100% cash return of the sum assured or actual accumulated life insurance premiums paid, whichever is higher |
Huangrak Premier (99/20): An insurance plan designed for a happier future with long-lasting coverage throughout your life journey. Start creating an assurance that is ready to take care of your loved ones so they can move forward steadily at every moment.
- Issued age : Newborn – 70 years old
- Coverage period : Until age of 99
- Premium payment period : 20 years
- Minimum sum assured : 200,000 baht(2)
- Premium payment mode : Annually, semi-annually, quarterly, and monthly
- Health check-ups are in accordance with the company's underwriting criteria
- Additional riders can be purchased, according to the conditions set by the company
(1) % of the sum assured or actual accumulated life insurance premiums paid, whichever is higher
(2) For sum assured less than 500,000 baht, an additional rider must be purchased, according to the conditions set by the company
Click to view Benefits and Coverage
Click to view the examples Benefits and Coverage
The insured 30-year-old in good health who purchases Huangrak Premier (99/20).
- Attached with BLA Happy Health with no deductible
Unit : baht
| Insurance plan | Annual premium | |
|---|---|---|
| Female | Male | |
| Huangrak Premier (99/20) life insurance contract with sum assured 200,000 baht |
4,192 | 4,978 |
| BLA Happy Health Plan 3 (Coverage of 5,000,000 baht: no deductible) |
17,989 | 16,334 |
| Total premium | 22,181 | 21,312 |
- Attached with BLA Happy Health with deductible
Unit : baht
| Insurance plan | Annual premium | |
|---|---|---|
| Female | Male | |
| Huangrak Premier (99/20) life insurance contract with sum assured 500,000 baht |
9,980 | 11,945 |
| BLA Happy Health Plan 3 (Coverage of 5,000,000 baht: with deductible of 30,000 baht) |
10,863 | 9,740 |
| Total premium | 20,843 | 21,685 |
- BLA Happy Health consists of 1) BLA Happy Health rider 2) The endorsement of BLA Happy Health rider that covers medical expenses due to critical illnesses 3) The endorsement of BLA Happy Health rider that covers daily compensation for medical expenses (for the non-deductible plan).
- BLA Happy Health has a coverage period and premium payment period of 1 year. Coverage period can be renewed through purchasing a continuous coverage that is equal to the coverage period of the life insurance contract attached to BLA Happy Health or coverage up to the age of 99.
- BLA Happy Health premiums can be adjusted based on several factors, including the individual's age and occupation, as well as rising medical care costs or the overall claim experience of the portfolio.
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 insured only for the additional part, or if murdered by the beneficiary.
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
- Huangrak Premier (99/20) premium and health insurances premium (if any) are eligible for tax deduction in accordance with the announcement from the Revenue Department
For more details, please contact our life insurance agents or financial advisors nationwide.
