Bangkok Happy Kids

Deliver your care to your child with a whole life insurance that meets all their future goals. Receive guaranteed returns throughout the contract, and have peace of mind with life coverage extending to age 99.

กรุงเทพ แฮปปี้ คิดส์
Issued age
Issued age
Newborn – 14 years old
Alive until the maturity
Alive until the maturity
Receive a lump sum benefit of 220%(3)
Coverage period
Coverage period
Until age of 99
General death benefit
General death benefit
Receive up to 220%(3)
Premium payment period
Premium payment period
20 years
Waive premium
Waive premium(4)
In the event either of the premium payer’s death or total and permanent disability
Receive annual cash return of 1%
Receive annual cash return of 1%(1)
and special cash return of 20%(2) at the beginning of the 21st policy year
Special receive extra benefit
Special receive extra benefit
For premium payer of 50%(5)
Bangkok Happy Kids

(1) In case survival, receive annual cash return of 1% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract on the policy anniversary from the 1st policy year until the policy anniversary when the insured turns age of 98.
(2) In case survival, receive a special cash return of 20% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract at the beginning of the 21st policy year.
(3) The company will pay % of the sum assured or the actual accumulated life insurance premiums paid, minus all annual cash returns and special cash return already paid by the company (if any), whichever is higher, of the Bangkok Happy Kids 99/20 life insurance contract.
(4) In the event of the premium payer's death or total and permanent disability, the premiums of the Bangkok Happy Kids 99/20 life insurance contract will be waived. The guardian or legal representative, aged 20 - 55 years old, must purchase the Payer’s Benefit (PB) rider attached to the Bangkok Happy Kids 99/20 life insurance contract. The coverage will be provided for the duration of premium payment period of life insurance or until the policy anniversary at which the Insured (Minor) reaches the age of 21, or until the policy anniversary at which the payer reaches the age of 65, whichever comes first. In addition, this is subject to Company's underwriting guidelines.
(5) The company will provide free insurance coverage according to BLA Payor Protect rider to the payer in the event of either death or total and permanent disability, which the Company will pay an amount equal to 50% of the Bangkok Happy Kids 99/20 life insurance contract's sum assured. The coverage will be provided for the duration of premium payment period of life insurance or until the policy anniversary at which the Insured (Minor) reaches the age of 21, or until the policy anniversary at which the payer reaches the age of 65, whichever comes first. The Company will provide coverage according to this rider to the premium payer covered by the Payer's Benefit (PB) rider at the standard premium rate. In addition, the Company reserves the right to consider providing coverage, according to the Company's underwriting guidelines.

  • Issued age: Newborn to 14 years old
  • Coverage period until age of 99 and premium payment period of 20 years
  • Minimum sum assured: 150,000 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
  • The company will provide free insurance coverage according to BLA Payor Protect rider for premium payers who have the Payer’s Benefit (PB) rider at the standard premium rate. In addition, this is subject to Company's underwriting guidelines.

A whole life insurance policy that meets all of your child's life planning needs, covering both life protection and financial security. Guaranteed annual cash returns throughout the contract, enhanced worthiness with special cash returns, and receive coverage for the premium payer, giving you confidence in every life situation and worries free about your child’s future.

Be Happy with Guaranteed Returns
Be Happy with Guaranteed Returns

Guaranteed annual cash returns of 1%(1) to serve as another source of savings in the form of life insurance for your child, to be used for daily expenses or accumulated for future investment.

Be Happy with a Lump Sum Gift for Your Child
Be Happy with a Lump Sum Gift for Your Child

Worthy with a lump sum from a special cash return of 20%(2) to enhance financial security and build a bright future for your child. Upon maturity, receive another lump sum of 220%(3) to help your child achieve their financial goals.

Be Happy with Increasing Life Protection for Your Child
Be Happy with Increasing Life Protection for Your Child

Your child receives life protection from new born up to age of 99, with increasing coverage in the 11th and 21st policy years, receiving maximum coverage up to 220%(3) for death from any causes

Be Happy with Worry Free for Your Child's Future
Be Happy with Worry Free for Your Child's Future

Receive additional benefits for the premium payer of 50%(4) in the event of the premium payer's death or total and permanent disability, allowing you to cope with life’s uncertainties and worries free about your child in your absence.

Be Happy with a Precious Security for Your Child
Be Happy with a Precious Security for Your Child

Deliver your love to your child through the Bangkok Happy Kids insurance plan, available from new born, to provide a strong foundation for their future.

((1) In case survival, receive annual cash return of 1% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract on the policy anniversary from the 1st policy year until the policy anniversary when the insured turns age of 98.
(2) In case survival, receive a special cash return of 20% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract at the beginning of the 21st policy year.
(3) The company will pay % of the sum assured or the actual accumulated life insurance premiums paid, minus all annual cash returns and special cash return already paid by the company (if any), whichever is higher, of the Bangkok Happy Kids 99/20 life insurance contract.
(4) The company will provide free insurance coverage according to BLA Payor Protect rider to the payer in the event of either death or total and permanent disability, which the Company will pay an amount equal to 50% of the Bangkok Happy Kids 99/20 life insurance contract's sum assured. The coverage will be provided for the duration of premium payment period of life insurance or until the policy anniversary at which the Insured (Minor) reaches the age of 21, or until the policy anniversary at which the payer reaches the age of 65, whichever comes first. The Company will provide coverage according to this rider to the premium payer covered by the Payer's Benefit (PB) rider at the standard premium rate. In addition, the Company reserves the right to consider providing coverage, according to the Company's underwriting guidelines.

Click to view Benefits and Coverage
 

Bangkok Happy Kids 99/20 Life Insurance Contract

1. Survival Benefits
1.1 On the anniversary of 1st policy year - age of 98, receive an annual cash return of 1%
1.2 At the beginning of the 21st policy year, receive special cash return of 20%		 1.3 Upon maturity, receive a lump sum of 220%
(% of the sum assured) (% of the sum assured or the actual accumulated life insurance
premiums paid, minus all annual cash returns and special cash
return already paid by the company (if any), whichever is higher.)
2. General Death Benefits
2.1 On the 1st - 10th policy years, receive 100%
2.2 On the 11th - 20th policy years, receive 120%
2.3 On the 21st policy year – age of 99, receive 220%
(% of the sum assured or the actual accumulated life insurance premiums paid, minus all annual cash returns
and special cash return already paid by the company (if any), whichever is higher.)

The Payer’s Benefit (PB) rider: for premium payers who are guardians or legal representatives aged 20 – 55 years old. In addition, this is subject to the company's underwriting guidelines.

3. Additional Benefits
Waiver of premiums for the Bangkok Happy Kids 99/20 life insurance contract
in the event either of the premium payer's death or total permanent disability.

BLA Payor Protect Rider: Receive free insurance coverage when the premium payer has the Payer’s Benefit (PB) rider at the standard premium rate.

4. Additional Benefits
Receive 50% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract
when the premium payer’s death or total and permanent disability
Click to view the examples Benefits and Coverage
 

Example 1: A family wants to plan their child's finances from a young age to build a solid financial foundation for their child's future

 

A healthy 35-year-old mother wants to plan savings for her 3-month-old son to provide him with a future income source. Therefore, she applies for Bangkok Happy Kids insurance with a sum assured of 500,000 baht for her son. She pays an annual premium of 30,000 baht for the Bangkok Happy Kids main life insurance contract, and an annual premium of 861 baht for the Payer’s Benefit (PB) rider, totaling an annual premium of 30,861 baht.

Bangkok Happy Kids

 

(1) In case survival, receive annual cash return of 1% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract on the policy anniversary from the 1st policy year until the policy anniversary when the insured turns age of 98.
(2) In case survival, receive a special cash return of 20% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract at the beginning of the 21st policy year.
(3) The company will pay % of the sum assured or the actual accumulated life insurance premiums paid, minus all annual cash returns and special cash return already paid by the company (if any), whichever is higher, of the Bangkok Happy Kids 99/20 life insurance contract.


Example 2 : A family wants to create a solid security for their child to cope with unexpected events

 

A healthy 45-year-old mother wants her 3-month-old daughter to have a bright future. Therefore, she creates security for her daughter by applying for Bangkok Happy Kids insurance with a sum assured of 1,000,000 baht. She pays an annual premium of 59,000 baht for the Bangkok Happy Kids main life insurance contract, and an annual premium of 3,947 baht for the Payer’s Benefit (PB) rider, totaling an annual premium of 62,947 baht

Bangkok Happy Kids

(1) In case survival, receive annual cash return of 1% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract on the policy anniversary from the 1st policy year until the policy anniversary when the insured turns age of 98.
(2) In case survival, receive a special cash return of 20% of the sum assured of the Bangkok Happy Kids 99/20 life insurance contract at the beginning of the 21st policy year.
(3) The company will pay % of the sum assured or the actual accumulated life insurance premiums paid, minus all annual cash returns and special cash return already paid by the company (if any), whichever is higher, of the Bangkok Happy Kids 99/20 life insurance contract.
(4) In the event of the premium payer's death or total and permanent disability, the premiums of the Bangkok Happy Kids 99/20 life insurance contract will be waived. The guardian or legal representative, aged 20 - 55 years old, must purchase the Payer’s Benefit (PB) rider attached to the Bangkok Happy Kids 99/20 life insurance contract. The coverage will be provided for the duration of premium payment period of life insurance or until the policy anniversary at which the Insured (Minor) reaches the age of 21, or until the policy anniversary at which the payer reaches the age of 65, whichever comes first. In addition, this is subject to Company's underwriting guidelines.
(5) The company will provide free insurance coverage according to BLA Payor Protect rider to the payer in the event of either death or total and permanent disability, which the Company will pay an amount equal to 50% of the Bangkok Happy Kids 99/20 life insurance contract's sum assured. The coverage will be provided for the duration of premium payment period of life insurance or until the policy anniversary at which the Insured (Minor) reaches the age of 21, or until the policy anniversary at which the payer reaches the age of 65, whichever comes first. The Company will provide coverage according to this rider to the premium payer covered by the Payer's Benefit (PB) rider contract at the standard premium rate. In addition, the Company reserves the right to consider providing coverage, according to the Company's underwriting guidelines.

Click to View Coverage Exclusions
 

Bangkok Happy Kids 99/20 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 insured 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 insured only for the additional part, or if murdered by the beneficiary.

Payer’s Benefit (PB) Rider

  • Commit suicide within 2 years from the effective date of this rider or the last renewal date. The responsibility of the company will only return the insurance premium of this rider that has already been paid to the company.
  • Disability due to the following causes:
    • Commit suicide, attempted suicide, or self-inflicted injury
    • Immunodeficiency syndrome (AIDS), including injuries resulting from complications of immune deficiency diseases
    • Injury sustaining while the premium payor 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.

BLA Payor Protect Rider

This rider does not cover total and permanent disability from any of the following causes:

  • Suicide, suicidal attempt, or self-inflicted injuries
  • Injury sustaining while the premium payor 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.
  • Injury sustaining while the premium payor is operating or serving as a crewmember in any aircraft.
  • Physical disability, illness or injury that the premium payer was aware of at the time of making the insurance contract but did not inform the company.
  • Injury sustaining while the premium payor 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.

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 premiums until the premium payment period completes and hold the policy until its maturity.
  • Life insurance premium and health insurance premium (if any) is eligible for tax deduction in accordance with the announcement from the Revenue Department.
  • The examples of coverage exclusions under Payer’s Benefit (PB) rider and BLA Payor Protect rider are a part of the coverage exclusions under Payer’s Benefit (PB) rider and BLA Payor Protect rider, and are subject to the insurance’s terms and conditions.

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

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