Only Muang Thai Life Assurance customers can apply to be Muang Thai Smile Club members (free of charge), in accordance with the criteria and conditions specified by the Company.
Muang Thai Life Assurance customers can conveniently and easily apply to be Muang Thai Smile Club members through various channels as follows:

• Apply via the MTL Click application ( free download, no charge).
• Complete the membership application form attached to the policy book and send it by post immediately (the membership application form is a business reply service; no postage stamp is required).
• Apply at any Muang Thai Life Assurance customer service center nationwide.
• Apply through Muang Thai Life Assurance agents and sales channels nationwide.
• Apply by telephone. Call Tel. 1766, Muang Thai Life Assurance (during business hours).
• Apply at Muang Thai Smile Club booths at various Company events.

Muang Thai Smile Club members can enjoy happiness that matches their preferred lifestyle through a wide range of activities and privileges that Muang Thai Smile Club has specially selected for members. By simply presenting the membership card, members can receive various discounts and privileges, including concerts, stage plays, leading performances both domestically and internationally, hotels and accommodation, restaurants, beauty institutes, hospitals, and more than 2,000 partner shops nationwide, or members may use accumulated Smile Points to redeem privileges or participate in Muang Thai Smile Club activities available throughout the year, such as domestic and overseas travel activities, health and beauty activities, family activities, and others. In addition, there are many other services and special privileges prepared to deliver happiness and convenience to members, in accordance with the criteria and conditions specified by the Company.

There are four types of Muang Thai Smile Club cards, as follows:
1. Muang Thai Smile Club card – Smile tier
Customers with total premiums across all policies (calculated on an annual basis) of less than 200,000 baht*.
2. Muang Thai Smile Club card – Prestige tier
Customers with total premiums across all policies (calculated on an annual basis) of 200,000–1,999,999 baht*.
3. Muang Thai Smile Club card – Beyond Prestige tier
Customers with total premiums across all policies (calculated on an annual basis) of 2,000,000–4,999,999 baht*.
4. Muang Thai Smile Club card – The Ultimate tier
Customers with total premiums across all policies (calculated on an annual basis) of 5,000,000 baht or more per year*.

* Muang Thai Smile Club membership conditions are as specified by the Company.
The total premiums across all policies (calculated on an annual basis) of members are calculated in accordance with the criteria and conditions specified by the Company, which may vary depending on the insurance policy type, and are used as the criteria for determining member tiers. Each member tier will receive different privileges and special benefits. Conditions are as specified by the Company.

Smile Points are only a symbol used for point redemption or for indicating eligibility to participate in various activities organized by the Company, including receiving special privileges from partner shops. The purpose is to build good relationships with customers who are Muang Thai Smile Club members.
Smile Points are earned from the payment of insurance premiums for policies which are currently in force, in accordance with the criteria and conditions specified by the Company, and are counted only from the date on which the Company records receipt of the membership application documents.
The conditions for calculating points vary depending on the insurance policy type as specified by the Company
Smile Points expire on 30 June and 31 December of each year. If members have Smile Points that are not redeemed before the expiration date, the points will expire in accordance with the Company’s criteria and conditions. Members can check their points and activity details via the MTL Click application.
In the event that the status of all insurance policies under the Muang Thai Smile Club membership conditions terminates before the expiration of accumulated points, the Smile Point balance and membership status will terminate immediately. The Company reserves the right to change, amend, add, or cancel the conditions without prior notice.

Muang Thai Smile Club members can easily and conveniently check or redeem their Smile Points via the MTL Click Application (free to download, no charges). For further inquiries regarding various club activities and privileges, you can call 1766, available 24/7.

Yes. Smile Points are valid for 3 years from the date the Company calculates them for each transaction. The expiration cycles are defined as follows:
       Cycle 1: Points scheduled to expire between 1 January – 30 June of any year will be considered expired on 30 June of that year.
       Cycle 2: Points scheduled to expire between 1 July – 31 December of any year will be considered expired on 31 December of that year.

Yes. Smile Points are valid for 3 years from the date the Company calculates them for each transaction. The expiration cycles are defined as follows:
      Cycle 1: Points scheduled to expire between 1 January – 30 June of any year will be considered expired on 30 June of that year.
      Cycle 2: Points scheduled to expire between 1 July – 31 December of any year will be considered expired on 31 December of that year.

The timeframe for receiving Smile Points depends on the premium payment channel. Points will be calculated at the end of the day on the receipt issuance date. Overall, it will take approximately 1–3 working days from the payment date.

1. Acceptance of Agreement: When a user registers to use the Muang Thai Smile Club service by selecting “Accept,” the user is deemed to have acknowledged and accepted all of these terms and conditions. Muang Thai Life Assurance Public Company Limited (hereinafter referred to as "the Company”) reserves the right to amend or change the terms and conditions of service at any time at its sole discretion. Users should read and study these terms and conditions carefully. If a user does not accept these terms and conditions, the Company will not be able to allow the user to access the service.
2. Personal Data: The Company will collect and use data provided by the user, or data generated from the user’s use of Muang Thai Smile Club, including disclosing user data to third parties as necessary. The processing of user data depends on the type of product or service used. The collection, use, disclosure, or processing of personal data by the Company shall be in accordance with the Privacy Policy of the Company. 

        However, the collection, use, and disclosure of users’ personal data for marketing purposes shall only be carried out upon obtaining consent from the user, except where permitted by law.

Types of Personal Data: Personal data that the Company will collect, use, disclose, or process, including the purposes for collecting users’ personal data, shall be in accordance with the Company’s Privacy Policy and shall also include:

• Data received from users when they register or fill in an application form or other forms to receive or request services.

• Data relating to user transactions on the website or application.
• Data relating to insurance policies, in cases where the user has purchased an insurance policy with the Company.
• Data received from using services, participating in activities, competition data, nutrition logging data, Smile Point redemptions, photographs, and video footage from participating in service-related activities.
• Website and application usage data, and the type of device used by the user to access the service (personal computers, laptops, smartphones, and other electronic devices capable of accessing the service).
• Information relating to operating systems and platforms, including the IP address (Internet Protocol address) of end-user devices or tools, which can be used to identify the origin location when a device is connected to the internet; location data; and information regarding services and products that users visit, search for, or utilize.
• The user’s social media profile data when using social media credentials (Social Media Credential) such as Facebook Twitter(X) and LINE to connect to any service on the Company’s website or application, such as Social Media Account ID, interests, likes, and friend list. Users may control this through their social media account settings provided by their social media service provider.
• Your health data, including health check-up results such as BMI, cholesterol, blood pressure, fasting blood sugar, which will be collected only from Fit Point users with Health user status who participate in the activity.
• User activity data from connected fitness devices, such as step count and exercise data, and sleep data. The system will not support syncing of exercise minutes and step counts if the device time zone does not match Thailand’s time zone (GMT+7). The Company will retrieve your data going back no more than 90 days from the update date, and no earlier than the date of first device connection on MTL Click.
• Address and contact information for reward delivery.
• User status data and activity participation data, visible to Fit Point users.
• Data for the Animal Tournament, including username, profile picture created specifically for the activity, experience points (XP) calculated from exercise activities, steps taken, or hours of sleep, friend list data, and leaderboard ranking.

Purposes: The Company collects, uses, processes, or discloses users’ personal data in accordance with the Company’s Privacy Policy and also for the following purposes:

• Purposes based on the legal basis of necessity for the performance of a contract to which the user is a party, or to take steps at the request of the user prior to entering into a contract with the Company:
• To enable the user to use services on the Company’s website and application.
• To create a user profile based on the user’s account information, application usage, and policy-related data (in cases where the user has purchased and provided details of an insurance policy held with the Company).
• To award accumulated Smile Point and to enable users to redeem accumulated Smile Point for benefits in accordance with the Company’s service conditions.
• To assign Muang Thai Smile Club members (hereinafter referred to as “Members”) to a membership tier, enabling them to receive benefits in accordance with the applicable tier-based service conditions.
• To enable users to participate in activities and receive benefits from the Company.
• To enable users to receive services and benefits from the Company’s business partners, such as hospitals, pharmacies, and hotels.

• To provide members with benefits that better meet their specific needs through data analysis powered by Artificial Intelligence (AI) technology.
• To select business partners that precisely align with members' preferences through data analysis powered by Artificial Intelligence (AI) technology.

• For conducting Animal Tournament activities: to use exercise data to accumulate experience points (XP) and rank users in a gamification format.
• For social interaction: to allow users to search, follow, and compare rankings and experience points (XP) with other users via the Leaderboard.

• Purposes based on the legal basis of legitimate interests of the Company or of another person or juristic person, except where such interests are overridden by the fundamental rights of the user in their personal data:
• For verifying the identity of the user and/or a third party in cases where a third party acts on behalf of the user.
• For the Company’s public relations activities, to the extent appropriate and proportionate to the benefits received by the user.
  
  

3. Password and Security: Users must keep their identification number, password, and security code (OTP: One Time Password) (collectively referred to as “Password” in these terms and conditions) in a secure place and treat them as strictly confidential. In the event of any issue with OTP, users may contact the customer service centre at Tel. 1766, available 24/7.
4. Communications: Any letters, documents, and notices sent by the Company to service users at the address, mobile phone number, or email address provided to the Company shall be deemed to have been validly and properly delivered, and the service user shall be deemed to have received and acknowledged such communications. If a service user changes their address, mobile phone number, or email address, it is the responsibility of the service user to notify the Company immediately.
5. Actions via the Application: Any action carried out through the Company’s application services using the user’s identification number and password in accordance with the Company’s prescribed methods and conditions shall be deemed fully effective without requiring a signature. The user agrees to be fully responsible for such actions as if personally performed, regardless of whether carried out by a third party. The Company reserves the right not to be held responsible for any errors or damages arising therefrom, and the user shall not use such matters as grounds for any claim against the Company.
6. Power of Attorney: In cases where a user grants power of attorney to a third party, both the user and the third party must sign the Company’s power of attorney form and attach copies of government-issued ID documents of both parties each time, with certified true copies. (Please black out or cross out the “religion/ethnicity” field so it is unreadable and sign alongside. If this is not done, the Company deems that you consent to the Company doing so on your behalf.)
7. Cancellation of Rights: The Company has sole discretion to cancel a user’s right to use the service and to receive campaign benefits without any obligation and without prior notice, including disqualifying users who do not comply with service access requirements, even if such users have met the Company’s eligibility criteria.
8. Data Security: The Company recognises and places the utmost importance on the security of users’ data and is committed to complying with all applicable data protection laws. Users have the right to provide or decline to provide personal data as requested by the Company. However, declining may result in limitations on the use of the Company’s services.
9. Amendment of Agreement: The Company reserves the right to amend these terms and conditions at any time to the extent permitted by law. In the event of any change, the Company will announce it on its website or notify users via registered email. Users may check for amendments by referring to the last updated date shown at the bottom of this document. Changes become binding when users access the Company’s website or services after announcement. The Company requests that users periodically review these terms and conditions.
10. Purpose of Smile Point: Accumulated Smile Point are intended to build positive relationships with Muang Thai Smile Club members. Users may participate in Muang Thai Smile Club activities using accumulated Smile Point only from the date the Company has received the membership registration information.
11. Membership Tier Classification: The conditions for membership tier classification and accumulation of Smile Point including the calculation of accumulated Smile Point will vary depending on the insurance plan and premium payment method, subject to the Company’s conditions.
12. Calculation of Accumulated Smile Point: Accumulated Smile Point calculation will count only currently in-force insurance policies. Smile Point will have an expiry calculation cycle on 30 June and 31 December of every year. Unused Smile Point not redeemed before the expiry date will expire immediately per the Company’s conditions. Updates are available at muangthai.co.th/smileclub or MTL Click Application or call customer service at Tel. 1766 available 24/7.
13. Status of Smile Point: Accumulated Smile Point are merely a redemption symbol for various benefits such as reward draws, activities, or partner store privileges, subject to limited availability per the Company’s criteria. Smile Points cannot be converted to cash.
14. Termination of Status

      Termination of Smile Point status: When all insurance policies, in accordance with the Smile Point usage conditions, have terminated, the following usage statuses shall immediately cease. 

• Termination of the right to use Smile Point
• Termination of membership tier privileges.
• In the event that membership status has ended, the Company will retain membership data for 3 years from the termination date. If the member obtains a new policy within this period, membership status will automatically be reinstated as Muang Thai Smile Club member.  The termination of Smile Point status or membership tier privileges will not affect the use of Fit Point.

15. Additional Terms and Conditions for the Fit Point: The Fit Point encourages users to take care of their health by converting accumulated step counts, exercise minutes, and health check-up results into insurance premium discounts.
16. Personal Data of Minors: When the Company collects personal data of minors, the Company will provide age-appropriate notification and consent procedures and apply stricter personal data protection measures than for adults, using secure, transparent, clear and easily understandable language. Automated systems will operate to filter services appropriately for minors.
    
    

User Status of the Fit Point

User status of the Fit Point is divided into 3 statuses as follows:

1. Health User

A member holding a health or critical illness policy participating in the Fit Point, with the policy still in force and meeting other eligibility criteria for the Fit Point

• Accumulate Fit Points to redeem for a renewal premium discount of up to 15% or no more than 7,500 Baht per policy year.
• Receive a Fit Point multiplier to accumulate Fit Points more quickly (maximum multiplier of 25 times).

If your qualifications meet the criteria to be granted Health User status, the Company shall consider your acceptance of these Terms and Conditions of Service as authorization for the Company to upgrade your status to Health User, for the benefit of the customer. You can find further details regarding the status conditions at https://www.muangthai.co.th/en/smileclub/fitpoint/terms-and-conditions

Remark: The right to be upgraded to Health User status will only be completed once you have provided your email address to the Company in order to receive an endorsement document. If you do not provide your email address to serve as a channel for the Company to send the endorsement document to you, the Company will be unable to upgrade your status.

2. Insurance User

A member holding an MTL policy not participating in the Fit Point, with the policy still in force, may use the Fit Point without a time limit and may upgrade to Health user upon purchasing an eligible MTL health or critical illness policy and meeting other eligibility criteria for the Fit Point

3. Guest User

A member who does not hold an MTL policy

• May use the Fit Point for 180 days after registration. To continue after 180 days, the member must purchase an MTL insurance policy to upgrade to Insurance User or Health User status. Your status may change per your policies. Everyone can start participating to accumulate Fit Point today, whereby:

• Only Health Users may redeem Fit Points for a renewal premium discount at a rate of 20 Fit Points = 1 Baht.
• Only Guest Users and Insurance Users may redeem Fit Points for a renewal premium discount only after upgrading to Health User status.

The terms and conditions for using the Fit Point

1. Users have different rights to access data and use services depending on their user status, in accordance with the methods and conditions set by the Company.
2. The Company reserves the right to provide certain services exclusively for Health Users only.
3. When users participate in activities designated by the Fit Point, such as submitting health check-up results, accumulating steps, or exercise minutes, users may receive points redeemable for various benefits per the Company’s conditions, including:
• As a discount on insurance premiums.
• For redemption of benefits and other rewards.
4. Once a user confirms a point redemption, it cannot be cancelled. Fit Point reserves the right to adjust the point-to-reward ratio or other conditions without prior notice.
5. Accumulated points are merely a redemption symbol for benefits, rewards, prize draws, activities, or partner store privileges, subject to limited availability per the Company’s criteria. Points cannot be converted to cash or transferred between users. Points may be used within 365 to 456 days; upon expiry they will be deleted from the account. Experience points (XP) in the Animal Tournament feature have a validity period of 90 days from date received; the system will delete expired experience points (XP) from accounts daily in order of receipt date.
6. Information and services on the Fit Point are for general guidance only and may not be applicable to any specific circumstances. The Fit Point is not intended for self-diagnosis, medical diagnosis, healthcare services, or use as a medical tool. If concerned about your health, please contact a doctor or medical professional immediately. The Fit Point may contain unverified third-party information. Users should seek advice from a qualified person before acting on any information or service on the Fit Point
7. If a user participates in any activity within the Fit Point and the Company detects abnormal or suspicious activity, the user consents to the Company making necessary changes to exercise data and other related activity data.
8. In cases where highly abnormal or suspicious activity is detected from a user, the user may be temporarily suspended from the service for a short period, during which the user will not be able to participate in activities.
9. If a user repeatedly submits abnormal or suspicious results, the Company may permanently suspend the user, resulting in no longer being able to use the Fit Point.
10. If notified by the Company of abnormal or suspicious activity, the user may submit a request to restore their data within 7 days of notification. Such consideration is at the Company’s sole discretion and the decision shall be final.
11. All content, concepts, images, symbols, text, graphics, data designs, and intellectual property created by the Company as appearing in the Fit Point feature are the property, copyright, and intellectual property of the Company. Users agree not to reproduce, adapt, publicly distribute, sell, or disseminate, and/or take any other action that infringes upon the Company’s intellectual property, whether in part or in whole, beyond personal use, in relation to the Fit Point.
12. The Company reserves the right not to be held responsible for any damages or inability to use the Fit Point normally. If users encounter errors or have queries, or if the Fit Point feature is temporarily unavailable, users may contact the Company at Tel.1766, press 4, during business days and hours.
13. In order to comply with laws or requirements of government authorities, the Company may be required to disclose data, report data and transactions relating to users’ use of services, and prepare reports about users to submit to government officials or agencies under applicable laws, orders, or regulations.
14. The Company recognises and places the utmost importance on the security of users’ data and is committed to complying with all applicable data protection laws. Users have the right to choose to provide or decline to provide personal data as requested by the Company. However, declining to provide such data may result in limitations on the use of the Company’s various services.
15. If any condition in these terms and/or conditions for the Fit Point is contrary to law or unenforceable, such condition shall be deemed void only to that extent, while the remaining conditions shall remain fully in force and the user shall remain bound by them.
16. Any letters, documents, and notices sent by the Company to users at the address, mobile phone number, or email address provided to the Company shall be deemed to have been validly and properly delivered, and the user shall be deemed to have received and acknowledged such communications. If a user changes their address, mobile phone number, or email address, it is the responsibility of the user to notify the Company of such change immediately.
17. Public Display of Data: When using the Animal Tournament, your username and experience points (XP) will be displayed on the Leaderboard for other users to see, particularly in the top rankings (Top 3) and rankings near your position, for the purpose of showing accumulated XP rankings to promote exercise.
18. Data Management Rights: The Company reserves the right to review and adjust experience points (XP) if irregularities are detected, and has the right to delete or edit inappropriate username at its sole discretion.
19. End of Activity: Rewards in Animal Tournament are limited and subject to specified time conditions. If an activity ends, experience points (XP) may be adjusted according to cycles determined by the Company.
20. Users certify that profile pictures used in the Fit Point and Animal Tournament activities are the user’s own or legally authorised images. Users are prohibited from using others’ images or images that infringe intellectual property. If the Company detects infringement or receives a complaint, the Company has sole discretion to delete such content or suspend the user’s account temporarily or permanently, and shall not be responsible for any damages arising from the user’s infringement of third-party rights.
21. The Company reserves the right in the event of termination of the Fit Points.
22. Termination of Fit Point Status: Fit Point membership status may be terminated in the following cases:

• Guest User status allows a trial period of 180 days; upon expiry, the membership status will end. The Company will retain membership data for 3 years from the termination date.
• Insurance User status will be terminated when the participating insurance policy expires.
• Health User status will be terminated when the member expresses an intention to withdraw or no longer meets the conditions.
• In the event that Insurance User and Health User membership statuses have ended, the Company will retain Health and Insurance User data for 12 years from the date the member’s relationship with the Company ends.
• When the Fit Point Health User membership status ends, it will change to Insurance or Guest User, depending on the user’s qualifications. The data retention period will be per the highest status previously held.
• When the Fit Point Health User or Insurance User membership status ends, the status will revert to Guest User. The data retention period will be per the highest status previously held.
• Upon termination of membership status, the use of accumulated Fit Points will also end.  The termination of Fit Point status will not affect the use of Smile Point or the receipt of membership tier privileges.

        The Company regularly reviews these terms and conditions for the benefit of users, and any additional information will be updated on the website. These terms and conditions were last updated on 7 July B.E. 2569 (2026).

        I have read, studied, considered, and reviewed the terms and conditions of service, and I agree to accept and be bound by all terms and conditions of service.