Fit Rewards: A Feature That Makes Staying Healthy Fun!
You can log your steps and minutes of exercise every week to collect Fit Points.
Fit Rewards members with the Health User status can convert their Fit Points into renewal premium discounts of up to 15%,
provided they hold eligible health or critical illness policies with Muang Thai Life Assurance that are part of the Fit Rewards.
Earn Fit Points by participating in specified activities.
Purchase eligible policies to redeem Fit Points for renewal premium discounts of up to 15%.
You can trial the features for 180 days.
Receive the multiplier of up to 25x to
boost Fit Points quickly.
D Health Rider
FAQs
Q: What is Fit Rewards? (also referred to as the "Wellness Program" as stated in the policy endorsement)
A: Fit Rewards is a health promotion initiative by Muang Thai Life Assurance Public Company Limited for policyholders. It is accessible via the Fit Rewards feature on the MTL Click application. The program offers a discount on insurance premiums for members based on the level of health upkeep specified by Fit Rewards.
Q: What are the eligibility criteria to join the Fit Rewards?
A:
1) Must be 18 years old or above
2) Must be a policyholder of one of the insurance products under the Fit Rewards (30 specified plans) & The total annual premium across all participating products must be no less than 2,000 Baht.
3) Fit Rewards Member on Application MTL Click
Q: Which products are included in the Fit Rewards?
A: The products included in the Fit Rewards are insurance products that the policyholder currently owns and pays premiums for with Muang Thai Life Assurance (ordinary plans). These products must not be subject to premium increases based on claims experience and do not include Investment-Linked Policies (ILPs), as per the Registrar’s orders relating to the new health standards.
Q: What are the benefits of the Fit Rewards?
A: The benefits of the Fit Rewards vary depending on the user’s status within the Fit Rewards feature. There are three user statuses:
1. Health User: A member who holds an active health or critical illness insurance policy that is part of the Fit Rewards, and meets other eligibility criteria.
A: Fit Rewards is a health promotion initiative by Muang Thai Life Assurance Public Company Limited for policyholders. It is accessible via the Fit Rewards feature on the MTL Click application. The program offers a discount on insurance premiums for members based on the level of health upkeep specified by Fit Rewards.
Q: What are the eligibility criteria to join the Fit Rewards?
A:
1) Must be 18 years old or above
2) Must be a policyholder of one of the insurance products under the Fit Rewards (30 specified plans) & The total annual premium across all participating products must be no less than 2,000 Baht.
3) Fit Rewards Member on Application MTL Click
Q: Which products are included in the Fit Rewards?
A: The products included in the Fit Rewards are insurance products that the policyholder currently owns and pays premiums for with Muang Thai Life Assurance (ordinary plans). These products must not be subject to premium increases based on claims experience and do not include Investment-Linked Policies (ILPs), as per the Registrar’s orders relating to the new health standards.
Q: What are the benefits of the Fit Rewards?
A: The benefits of the Fit Rewards vary depending on the user’s status within the Fit Rewards feature. There are three user statuses:
1. Health User: A member who holds an active health or critical illness insurance policy that is part of the Fit Rewards, and meets other eligibility criteria.
- Earn Fit Points to redeem for a renewal year premium discount of up to 15%, capped at 7,500 Baht per policy year.
- Receive a Fit Point multiplier to accumulate points faster (up to 25x multiplier)
2. Insurance User: A member who holds an active insurance policy with Muang Thai Life Assurance, but the policy is not part of the Fit Rewards.
3. Guest User: A member who does not hold any policy with Muang Thai Life Assurance
- Guest Users can access the Fit Rewards feature for 180 days after registration. To continue using the feature beyond this period, they must purchase a policy from Muang Thai Life Assurance. Depending on the policy, their status will be upgraded to either Insurance User or Health User.
Q: If I link a policy that is not part of the Fit Rewards, what will my status be?
A: You will be assigned the status of Insurance User and can still participate in activities such as step tracking and workout time logging on the Fit Rewards feature to earn Fit Points.
Q: If I later purchase an eligible policy or meet all eligibility requirements, how will my status change?
A: Your status will be upgraded from Insurance User to Health User after you accept the Fit Rewards terms and conditions.
Q: If I link a policy that is not part of the Fit Rewards, what will my status be?
A: You will be assigned the status of Insurance User and can still participate in activities such as step tracking and workout time logging on the Fit Rewards feature to earn Fit Points.
Q: If I later purchase an eligible policy or meet all eligibility requirements, how will my status change?
A: Your status will be upgraded from Insurance User to Health User after you accept the Fit Rewards terms and conditions.
Q: How is the value of Fit Points in the Fit Rewards converted into discount (in Baht)?
A: 20 Fit Points under the Fit Rewards are equivalent to 1 Baht in discount.
Q: What is the maximum total annual discount a member can receive per policy year?
A: For Health Users, the maximum discount per policy year is as follows:
Year 1: Up to 10%, capped at 5,000 Baht
Year 2: Up to 11%, capped at 5,500 Baht
Year 3: Up to 12%, capped at 6,000 Baht
Year 4: Up to 13%, capped at 6,500 Baht
Year 5: Up to 14%, capped at 7,000 Baht
Year 6 and beyond: Up to 15%, capped at 7,500 Baht
A: 20 Fit Points under the Fit Rewards are equivalent to 1 Baht in discount.
Q: What is the maximum total annual discount a member can receive per policy year?
A: For Health Users, the maximum discount per policy year is as follows:
Year 1: Up to 10%, capped at 5,000 Baht
Year 2: Up to 11%, capped at 5,500 Baht
Year 3: Up to 12%, capped at 6,000 Baht
Year 4: Up to 13%, capped at 6,500 Baht
Year 5: Up to 14%, capped at 7,000 Baht
Year 6 and beyond: Up to 15%, capped at 7,500 Baht
Remark: The maximum discount per policy year is 7,500 Baht.
Q: How is membership year in the Fit Rewards (Health User status year) calculated?
A: It is calculated from the most recent date you met all the eligibility criteria. (If at any point you fail to meet a required condition, the count resets when all qualifications are met again.)
Q: If some participating products are canceled but my status remains as Health User, will the Fit Points I’ve earned be affected?
A: No, your accumulated Fit Points will not be affected, and you will still be eligible for premium discounts on the remaining participating products.
Q: How is membership year in the Fit Rewards (Health User status year) calculated?
A: It is calculated from the most recent date you met all the eligibility criteria. (If at any point you fail to meet a required condition, the count resets when all qualifications are met again.)
Q: If some participating products are canceled but my status remains as Health User, will the Fit Points I’ve earned be affected?
A: No, your accumulated Fit Points will not be affected, and you will still be eligible for premium discounts on the remaining participating products.
Q: Can the multiplier change?
A: Yes, your multiplier may change depending on whether your premium increases or decreases, as follows:
- Multiplier increases: This may occur if your total premiums for eligible policies increase, either through the purchase of additional participating policies, age-based premium adjustments, or other processes that result in higher premiums for participating products.
- Multiplier decreases: This may occur if your total premiums for participating products decrease due to any campaign discounts or other processes that reduce the premium amount of eligible products.
Q: How are Fit Points earned from each activity?
A: Fit Points can be earned through participation in activities available within the Fit Rewards feature ,such as uploading health check-up results, step tracking, exercise minute logging, and other activities.
You can start participating in these activities to earn Fit Points now. Only Health Users can redeem Fit Points for premium discounts at the conversion rate of 20 Fit Points = 1 Baht.
Using Fit Points for Insurance Premium Discounts
Q: Until what date can Fit Points be accumulated each year to be converted into a premium discount?
A: Health user can accumulate Fit Point until the Cut-off date or 32 days before policy anniversary date, which the system will automatically summarize your discount.
Q: Will policies that do not include in the Fit Rewards participating products be eligible for a discount?
A: No, they will not receive a discount because such policies do not meet the requirements of the Fit Rewards.
Q: Until what date can Fit Points be accumulated each year to be converted into a premium discount?
A: Health user can accumulate Fit Point until the Cut-off date or 32 days before policy anniversary date, which the system will automatically summarize your discount.
Q: Will policies that do not include in the Fit Rewards participating products be eligible for a discount?
A: No, they will not receive a discount because such policies do not meet the requirements of the Fit Rewards.
Q: How can I check my approximated premium discount before a cut-off date?
A: Your approximated premium discount is shown in Fit Rewards feature in MTL Click application under the Benefits tab.
Q: Can I choose which policy to receives the discount and how many Fit Points to use?
A: No, members cannot select the policy or the number of Fit Points to use. All policies containing eligible products under the Fit Rewards are considered entitled to the discount.
Q: How can I check the premium discount I have already received?
A: You can view previously applied premium discounts through the Fit Rewards feature on the MTL Click application via the ‘Fit Point History’ menu.
Q: Once the premium discount for eligible products has been finalized, can it be changed during the policy year?
A: No, it cannot be changed. The premium discount is finalized once per policy year and will be recalculated in the following policy year.
After the Cut-off Date
Q: What happens to the discount if a participating product is canceled after the cut-off date during the policy year?
A: If a product that previously received a discount is canceled or terminated after the cut-off date, the discount for that product will be terminated as well.
Q: If the policy lapses for a period after the cut-off date during the policy year but is reinstated within the same policy year, will the discount still apply?
A: If the policy is reinstated within the same policy year, any riders that previously received a discount will continue to receive the same discount. If the reinstatement occurs after the original policy year ends, no discount will apply.
Q: If I add a new rider that is part of the Fit Rewards after the cut-off date, will that rider receive a discount?
A: Any new riders added after the cut-off date will receive a premium discount in next anniversary date.
Q: If the payment mode of a discounted product is changed after the cut-off date during the policy year, what happens to the discount?
A: The discount for the product will remain the same in percentage (%) as it was before the change in payment mode.
Q: Do unused Fit Points expire?
A: Yes. Fit Points expire at the end of each quarter (31 March, 30 June, 30 September, 31 December) after 12 months from the date they were earned.
Q: Can I exchange or transfer my Fit Points to another policyholder?
A: No, Fit Points cannot be exchanged or transferred to another person.
Q: If I was an existing MTL Fit application user, do I need to reconnect my step/exercise tracking device after registering for the Fit Rewards feature on the MTL Click application?
A: Yes, once you’ve registered for the Fit Rewards feature, you must reconnect your tracking device. The following devices are compatible with the Fit Rewards feature on the MTL Click application:
*If you are connecting via Health Connect, follow these steps:
1. Download Health Connect from the Google Play Store.
2. Download a step-tracking application supported by MTL Click, such as Samsung Health or Nike Run Club.
3. Open Health Connect and go to the “App permissions” menu.
4. Select the step-tracking app you want to use and grant Health Connect permission to access its data.
5. Tap “Allow” to enable access for the Health Connect app.
6. Once access is granted, the selected app will appear under the “Allowed apps” list.
7. When you connect Health Connect with Fit Rewards, the MTL Click app will also appear in the “Allowed apps” list.
Q: Are there any limitations to workout data sync?
A: The system does not support syncing exercise minutes and step count information if the time zone of the mobile device used does not match Thailand's time zone (GMT+7).
A: Yes, once you’ve registered for the Fit Rewards feature, you must reconnect your tracking device. The following devices are compatible with the Fit Rewards feature on the MTL Click application:
- If you do use a smartwatch: Apple Watch, Fitbit, Garmin and Suunto is available to connect.
- If you don’t use a smartwatch:
- For iOS = Apple health
- For Android = Health Connect*
*If you are connecting via Health Connect, follow these steps:
1. Download Health Connect from the Google Play Store.
2. Download a step-tracking application supported by MTL Click, such as Samsung Health or Nike Run Club.
3. Open Health Connect and go to the “App permissions” menu.
4. Select the step-tracking app you want to use and grant Health Connect permission to access its data.
5. Tap “Allow” to enable access for the Health Connect app.
6. Once access is granted, the selected app will appear under the “Allowed apps” list.
7. When you connect Health Connect with Fit Rewards, the MTL Click app will also appear in the “Allowed apps” list.
Q: Does my workout data sync automatically with the Fit Rewards feature each time I exercise?
A: The Fit Rewards feature updates workout data automatically when you open the feature.
Please make sure to regularly access the Fit Rewards feature, as the system can only retrieve workout data from your device up to 90 days in the past.
A: The Fit Rewards feature updates workout data automatically when you open the feature.
Please make sure to regularly access the Fit Rewards feature, as the system can only retrieve workout data from your device up to 90 days in the past.
Q: If the Fit Rewards feature is temporarily unavailable, preventing users from updating their information themselves — once the Fit Rewards feature is accessible again, will the system retrieve the past data automatically?
A: The system will automatically retrieve your exercise data retroactively for up to 90 days.
A: The system will automatically retrieve your exercise data retroactively for up to 90 days.
Q: Are there any limitations to workout data sync?
A: The system does not support syncing exercise minutes and step count information if the time zone of the mobile device used does not match Thailand's time zone (GMT+7).
Q: How can the insurance premiums that receive a discount from the Fit Rewards be used for tax deduction purposes?
A: Only the insurance premiums after the Fit Rewards discount can be submitted for tax deduction purposes. The conditions for tax deduction are in accordance with the Revenue Department’s announcements.
Q: If there are any changes to the Fit Rewards participation, point accumulation details, or Fit Rewards termination (if applicable), how will I be notified?
A: Any changes will be communicated through the Fit Rewards feature on the MTL Click application, or via email that members used for registration and have given consent to receive updates.
A: Only the insurance premiums after the Fit Rewards discount can be submitted for tax deduction purposes. The conditions for tax deduction are in accordance with the Revenue Department’s announcements.
Q: If there are any changes to the Fit Rewards participation, point accumulation details, or Fit Rewards termination (if applicable), how will I be notified?
A: Any changes will be communicated through the Fit Rewards feature on the MTL Click application, or via email that members used for registration and have given consent to receive updates.
Q: Will the health data under the Fit Rewards affect my insurance underwriting with Muang Thai Life Assurance?
A: Underwriters at Muang Thai Life Assurance may request to use the health data from the Fit Rewards during the underwriting process. This is subjected to the terms and conditions of Fit Rewards (Wellness Program) and the Company’s Privacy Policy.
Q: If I already hold a policy with special discounts (e.g., employee benefit programs), will I still get the Fit Rewards discount?
A: Yes. The renewal discount from Fit Rewards will be an additional discount on top of any existing discounts you already receive.
Q: Where can I find the full terms and conditions of the Fit Rewards?
A: You can review the full details under the sections: Terms and Conditions in this website
Q: How can I report issues or give feedback about the Fit Rewards or its usage?
A: You can contact the Customer Service Center at Tel. 1766 ext. 4, or reach out through other official contact channels of the Company.
Q: What are the conditions for retrieving past exercise data between April 18 – May 1, 2025?
A: To retrieve past exercise data, users must complete the following steps:
Register for the Fit Rewards feature on the MTL Click app and connect a compatible device between the date the feature becomes available and May 10, 2025.
The system will retrieve past exercise data starting from April 18, 2025, for:
For Garmin users, due to technical limitations, the system can retrieve past exercise data for up to 14 days from the date the device is connected to the Fit Rewards feature on the MTL Click app.
Conditions for retrieving past exercise data for MTL Fit Users during the app downtime:
To be eligible:
A: To retrieve past exercise data, users must complete the following steps:
Register for the Fit Rewards feature on the MTL Click app and connect a compatible device between the date the feature becomes available and May 10, 2025.
The system will retrieve past exercise data starting from April 18, 2025, for:
- Users with a smartwatch such as Apple Watch or Fitbit
- Users without a smartwatch, but who connect via Apple Health or Health Connect
For Garmin users, due to technical limitations, the system can retrieve past exercise data for up to 14 days from the date the device is connected to the Fit Rewards feature on the MTL Click app.
Conditions for retrieving past exercise data for MTL Fit Users during the app downtime:
To be eligible:
- The phone number registered on MTL Click must match the phone number used for MTL Fit registration.
- The MTL Fit user must have already connected a device to the MTL Fit app before the app was suspended.
- Exercise data can be retrieved during the downtime only for:
- 3.1 Users who connected via Garmin, Apple Watch, or Fitbit
- 3.2 Users who connected via Apple Health or Health Connect Remark: *Due to the deactivation of the Google Fit API, the MTL Click app can no longer retrieve data from the Google Fit app.
Android users can connect through Health Connect on the MTL Click app.
Please ensure that Health Connect is linked to Google Fit on your device to allow data transfer. - If you change your smartwatch during the app downtime, the system will not be able to retrieve your past data from the period when the app was inactive
