Highlight benefits

Opportunity of international investment

Via Global Multi Asset

Secured paid premium

Upon maturity

Chance to recieve special dividends (if any) upon maturity

Returns from Citi Global Multi Asset Index


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Unlock the brand new insurance return. Let’s create the opportunity for a better return via investment in Global Multi Asset, including USA, Japan, Australia, European countries, and emerging countries, for risk diversification and a capital gain.

Insurance conditions

Insurable age

30 days - 60 years old

Coverage Period

10 years

Premium Payment Period

Single payment

Premium Payment

Single payment

Health Checkup

Not required and no health questions*

Rider Attachment

Not allowed

Payment / Benefits


Premium of this insurance plan is entitled to personal income tax deduction according to the Notification of the Director-General of the Revenue Department on Income Tax No. 172.
*Underwriting is subject to Company’s rules.

(1) Benefit and coverage is % of the initial sum insured.
(2) The Company does not guarantee maturity dividend. 

Validity of Insurance Contract

 In case that the insured knowingly makes false statement or knowingly omits to disclose any fact to the Company for acknowledgement while applying for the insurance, where if the Company had known of such fact, the Company may be induced to charge higher premium or refuse to enter into the insurance contract, then this insurance contract will be voidable according to Section 865 of the Civil and Commercial Code which the Company has the right to void the insurance contract and not to make any policy payment. The Company's liability will be limited to returning all premium paid to the Company.


1. In case the insured voluntarily commits suicide within one year from the effective date of the insurance policy or the date that the Company approves to increase the sum insured amount which shall apply to the increasing sum insured amount only
2. In case the insured is murdered intentionally by the beneficiary
3. In case the insured declares an incorrect age and the Company can prove that at the time of insurance contract formation, the actual age is outside the premium rate limit according to the normal business practice of the Company

Warning/Key matters of investment instruments

● In the event that an index calculation agent of Global Multi Asset USD VT 5 Series 3 Index which is used to calculate dividend according to the Company’s rules cancels the index calculation, the Company reserves the right to replace it with a new appropriate index. In case of failure of replacement, cash will be paid.
● Citi Global Multi Asset Index refers to Global Multi Asset USD VT5 Series 3 Index.
● The Company has a policy to invest in the index within 45 days after an effective date of insurance contract. The last index valuation will be calculated within 45 days before a maturity date of insurance contract.
● Buyers should have an understanding in the details of coverage, conditions and risks every time before making a decision to purchase insurance.


Q: Does Muang Thai Smart Linked 10/1 guarantee principal?
A: It guarantees principal if customers stay until maturity. The benefits to be paid by the Company shall not be lower than all of the premiums paid by customers.

Q: Does Muang Thai Smart Linked 10/1 have cash bonus?
A: No, cash bonus is not available for this plan.

Q: What are risks of Muang Thai Smart Linked 10/1?
A: 1. Investment risk: Return might not be as expected. Actual return might deviate from expected return. However, Citi Global Multi Asset USD VT5 Series 3 Index mitigates risk by diversifying the investment portfolio across different asset classes and countries for lower volatility and better return.
2. Exchange rate risk: Dividend calculated based on Global Multi Asset USD VT 5 Series 3 Index contains foreign exchange risk as the index is in USD currency. Thus, a risk on foreign exchange volatility of THB currency and USD currency may exist. However, the policyholder will still receive full amount of conditional cash bonus once reaching contract maturity as the conditional cash bonus has no foreign exchange risk.

Q: If the index level at the begin date is lower than that of the end date, how much return will customers gain?
A: Customers will receive 101% of initial sum insured.

Q: How can customers monitor the performance?
A: Customers can monitor the performance from the Company's website

Q: What is the minimum sum insured?
A: 50,000 Baht

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