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Bangkok Smart Kids
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An endowment policy, save effortlessly, get comprehensive coverage, and earn a cash return at maturity.

Bangkok Smart Kids
Bangkok Smart Kids
Issued Age
Newborn – 14
Bangkok Smart Kids
Flexible premium payment period
9, 12, or 15 years
Bangkok Smart Kids
Additional Special Coverages
Special 1 Death or loss of limbs and eyesight due to accident
Special 2 Medical expenses due to accident
Special 3 Cover 4 critical illnesses for child, receive an additional 50%(1)
Special 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 contract

​Additional Special 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 and BLA Payor Protect riders
  • Bangkok Smart Kids 18/12 is a marketing name of Bangkok 18/2, attached by BLA CI Kids and BLA Payor Protect riders
  • Bangkok Smart Kids 21/15 is a marketing name of Bangkok 21/15, attached by BLA CI Kids and BLA Payor Protect riders

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

  • The company provides coverage for payor who can purchase a Payor’s Benefit (PB) at 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 at 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 payment period of the main policy, 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 payment period of the main 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
  • Starting premium: 200 baht per month
  • Premium payment mode: Annually, semi-annually, quarterly, and 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 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. Maturity Benefits Receive 115% Receive 118% Receive 121%
(% of the actual accumulated life insurance premiums paid)
2. Death Benefit Receive 115% Receive 118% Receive 121%
(% of the actual accumulated life insurance premiums paid)
Plus 100% of the sum assured
Additional special coverages
3. In an event of death or loss of limbs and eyesight due to accident  
3.1 In an event of accidental death Additional receive 100% of the sum assured
3.2 Loss of limbs and eyesight  
3.2.1 Loss of 2 hands or 2 feet, or 2 eyes Additional receive 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 Additional receive 100% of the sum assured
3.2.3 Loss of 1 hand, 1 foot, or 1 eye Additional receive 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 Additional receive 25% of the sum assured
4. Medical expenses due to accident
(within 52 weeks from the date of accident)		 Actual expense, up to 5 times of monthly life insurance premiums
(per time)
5. Coverage for 4 Critical illnesses coverage for child :
  1. Rheumatic fever causing heart abnormality
  2. Kawasaki disease causing heart complications
  3. Diabetes
  4. Hydrocephalus with severe accumulation of cerebrospinal fluid, occurring later and requiring drainage
 Additional receive 50% of the sum assured
6. In the event that the payor dies or is diagnosed
by a doctor as being totally and permanently disabled (either case)		 Additional receive 50% of the sum assured
  • The company will pay the benefits under Clause 3 if the injury results in death or loss of limbs and eyesight within 180 days from the date of accident or the injured person requires continuous hospitalization as an inpatient 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 cease.
  • Loss of a hand or foot means amputation from the wrist or ankle, including the complete and permanent loss of function of that limb as a result of an accident.
  • Loss of eyesight means total blindness with no possibility 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 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 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 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 exceptions to additional special coverage

In the event of death, loss of limbs or eyesight due to accident, and in the event of medical expenses due to accident

This insurance plan does not cover any loss or damage arising from or caused by the following:

  • The acts of the insured while being under the influence of alcohol, addictive substances, or narcotics to the extent that the insured is unable to control consciousness. In the case of a blood test, being “under the influence of alcohol” means having a blood alcohol level of 150 milligrams percent or higher
  • Commit Suicide, attempted suicide or self-inflicted injury
  • Back pain due to herniated disc, Spondylolisthesis, Degeneration, or Spondylosis, Spondylitis, and Spondylolysis except the Fractures or Dislocation of spinal occuring due to an accident
  • Declared or undeclared war, invasion, or act of foreign enemies, civil war, uprising, rebellion, riot, strike, disturbance, revolution, coup d'état, declaration of martial law 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 caused by the following:

  • 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.
  • Commit suicide, attempted suicide or self-inflicted injury
  • 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
  • HIV infection (HIV Positive) or the condition of acquired immunodeficiency syndrome (AIDS)

BLA Payor Protect Rider

This rider does not cover total and permanent disability caused by the following:

  • Commit suicide, attempted suicide, or self-inflicted injury
  • The acts of the payor while being under the influence of alcohol, addictive substances, or narcotics to the extent that the insured is unable to control consciousness. In the case of a blood test, being “under the influence of alcohol” means having a blood alcohol level of 150 milligrams percent or higher
  • While the payor is getting on or off or while being in an aircraft that is not registered for carrying passengers and that is not operated as a commercial airline
  • Injuries sustained while the payor is on duty as a crew member of any aircraft
  • Injuries sustained by the payor while serve as a military, police, or war or war-like volunteer
  • Injuries sustained by the payor while committing a crime or under arrested, or escaping an arrest

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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