1. Alzheimer’s disease
2. Aplastic anemia
3. Bacterial meningitis
5. Invasive cancer
6. Chronic liver disease/End-stage Liver disease/Liver failure
7. Severe chronic obstructive pulmonary disease/End-stage lung disease
9. Coronary artery by-pass surgery
10. Acute heart attack
11. Open heart surgery for the heart valve
12. Chronic kidney failure
13. Loss of hearing
14. Total and permanent disability (TPD)
15. Loss of speech
16. Major burn
17. Major organs transplantation or bone marrow transplantation
18. Motor neuron disease
19. Multiple sclerosis
20. Muscular dystrophy
21. Fulminant viral hepatitis
23. Parkinson’s disease
24. Primary pulmonary arterial hypertension
25. Major stroke
26. Surgery to aorta
27. Apallic syndrome or vegetative state
30. Terminal illness
- Underwriting is subject to the Company’s rules.
- Conditions and exclusions are as stated in the insurance policy.
- Premium of this rider is partially entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.
Warning: Buyer should have an understanding in the details of coverage and conditions before making a decision to purchase insurance every time.
Q: What are benefits of Happy Living Rider?
A: It provides coverage at 100% of sum insured in the event of death (not only of critical illnesses) and being diagnosed with 30 specified diseases. You will receive a lump sum amount so that you can manage expenses by yourself and be ready to tackle those illnesses with ease.
Q: Why does the coverage of Happy Living Rider start 30 days after the contract formation date?
A: In general, critical illness insurance has waiting period to avoid the insureds who are aware that they are having serious illnesses; therefore, the coverage will start 30 days after contract formation.
Q: What is insurable age of Happy Living Rider and when does the coverage end?
A: Insurable age is from 18-64 years old (the insured can renew until the age of 69) and the coverage is provided until the age of 70.
Q: Does premium of Happy Living Rider increase based on increasing age range?
A: In general, premium of critical illness insurance increases based on increasing age range.
Q: Is premium of Happy Living Rider entitled to tax deduction?
A: This premium is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 315.
Q: Does Happy Living Rider need to be purchased with a base insurance contract?
A: Yes, it must be purchased together with a base insurance contract.
Pay for 20 years to Receive Coverage Until Attaining the Age of 99
Deliver security to your family and loved ones through whole life insurance which will be by your side at every moment by paying premium for 20 years and receiving coverage until attaining the age of 99.
Pay 7 years for coverage until attaining the age of 99
Providing financial security to 3 generations from only one policy
CI Perfect Care Rider
Be at ease with our continuous care for 36 critical illnesses since early stages and receive additional amounts in case of complications of diabetes or angioplasty.
Multiple CI Rider
Get coverage for 35 critical illnesses to ease your mind in time of sickness. You may stop paying premium instantly yet receive continuos coverage for the remaining critical illness groups for 10 years more.
Every cancer-related concern is fully considered to provide care even during preinvasive period, with the highest coverage of three hundred thousand Baht(1) and two million Baht (1) more for invasive cancer, together with the maximum income compensation of ten thousand Baht/day(1)