BLA Protection 2 Plus

“What if you are still alive but unable to work, unable to provide income for your family, unable to protect those you love?” Eliminate these worries with guarantee that provides more coverage. BLA Protection 2 Plus offers dual income loss protection: upon death and up to 3 times coverage in case of total and permanent disability. It safeguards your expenses and those of your loved ones, acting as a crucial future reserve for your family.

BLA Protection 2 Plus
  • Issued Age :
    - 20 - 65 for coverage period and premium payment period of 10 years
    - 20 - 60 for coverage period and premium payment period of 15 years
    - 20 - 55 for coverage period and premium payment period of 20 years
  • BLA Protection 2 Plus consists of BLA High Protection 2 life insurance contract and BLA TPD Protection 2 rider
  • Minimum sum assured of BLA High Protection 2 life insurance contract is 1,000,000 baht
  • The sum assured of the BLA TPD Protection 2 rider is divided into 2 cases as follows:
    - In case the life insurance contract's sum assured is less than 10,000,000 baht, the BLA TPD Protection 2 rider's sum assured will be 3 times of the life insurance contract's sum assured.
    - In case the life insurance contract's sum assured is more than 10,000,000 baht, the BLA TPD Protection 2 rider's sum assured will be 30 million baht.
  • Premium payment mode: Annually, semi-annually, quarterly, and monthly
  • Health examinations 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 Coverage and Benefits
 
Coverage Benefits
BLA High Protection 2
Life Insurance Contract		 Death benefit 100% of the life insurance contract's sum assured
BLA TPD Protection 2 Rider Coverage in case of total and permanent disability 3 times of the life insurance
contract's sum assured, up to a maximum of 30 million baht*

* When the company has already paid the sum assured according to the coverage and benefits of the BLA TPD Protection 2 rider, the rider will automatically terminate.

Click to view the examples Benefits and Coverage
 

A healthy 30-year-old male who operates his own business and earns a monthly income of 38,000 baht. He is single, plans to work until age 60 years old, currently he has to take care of his parents, has a long -term mortgage of 2,000,000 baht on one house, and requires a lump sum of 3,000,000 baht for his loved ones in case of unexpected events.

Unit : Baht

If he has an accident and becomes total and permanent disability at age 43
(period of income loss from work of 17 years)
Estimated lost future income
(estimated based on current monthly income 38,000 minus 10% tax = 34,200x12x17)
6,976,800
Future expenses to be responsible for  
• Expenses for taking care of parents (10,000x12x17) 2,040,000
• Mortgage obligation (excluding interest) 1,500,000
• Personal expenses (15,000x12x17) 3,060,000
Estimated additional expenses
Medical expenses and daily care costs from the first treatment (10,000x12x17)
2,040,000
Estimated needed costs for future living expenses 9,016,800

(Coverage period and premium payment period of 15 years)

Unit : Baht

Needed Amount
for compensation of lost future income
and medical care expenses until age 60		 Sum Assured (Baht)
BLA High Protection 2 Life Insurance Contract : 3,000,000
BLA TPD Protection 2 Rider : 9,000,000
• Lost income compensation 6,976,800 3 times coverage  
• Cost of medical care expenses 2,040,000 in case of total and permanent disability  
Needed costs for living expenses 9,016,800 Receive compensation of 9,000,000
    Coverage in case of death  
Lump sum in case of death 3,000,000 Receive compensation 3,000,000
Total needed cost 12,016,800 Total coverage under the policy 12,000,000
    Total annual premium 19,476
    Tax deduction 10% 1,947.60
Click to View Coverage Exclusions
 

BLA High Protection 2 Life Insurance Contract

  • 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 under 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 leading the actual age to be outside of 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 is murdered by the beneficiary.

BLA TPD Protection 2 Rider

does not cover disability that is directly or indirectly caused by or consequential to any of the following:

  • Commit suicide, attempted suicide, or self-inflicted injury
  • Physical disability, illness, or injury that the insured was aware of at the time of making the insurance contract but did not inform the company, unless the insured has already had insurance under this contract for at least 12 months.
  • Injury sustaining while the insured is being 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.
  • Injury sustaining while the insured is operating or serving as a crewmember in any aircraft
  • Injury sustaining while the insured is boarding or alighting from or traveling as a passenger in an aircraft that is not licensed for carrying passengers and not operated by a commercial airline

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
  • For maximum benefits from the policy, the insured should pay premium until the premium payment period completes and hold the policy until its maturity
  • "The BLA High Protection 2" insurance premium can be used for personal income tax-deduction according to the announcement from the Revenue Department No. 172, maximum does not exceed 100,000 baht per year.
  • "The BLA TPD Protection 2" rider premium can be used for personal income tax-deduction according to the announcement from the Revenue Department No. 383, maximum does not exceed 25,000 baht per year, and when combined with the life insurance premium can be used for personal income tax deduction according to the announcement from the Revenue Department No. 172, a total amount must not exceed 100,000 baht per year.

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

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