This privilege is offered to Muang Thai Smile Club members who pay insurance premiums in full according to the conditions, from 1 January 2025 – 31 December 2025, with the receipt issued by 31 January 2026. The participating insurance plan groups are as follows:

• Health Insurance Riders (Health) and/or Critical Illness Insurance Riders (CI)
  Total premiums paid across all contracts of 30,000 Baht or more per year
  Note: Members aged 18 years and over must hold Fit Point membership status in order to receive this privilege.
• Insurance plans in the Shield Life group
  - These include term life insurance, universal life insurance, and whole life insurance (excluding whole life plans with a cash bonus during the contract term)
  - Premiums paid on the base policy only of 500,000 Baht or more per year (excluding all types of riders)
• Unit-linked insurance plans
  Regular premium payment plan (UNRP) and/or single premium payment plan (UN-SP)
  Premiums paid of 1,000,000 Baht or more per year (excluding additional premiums, or Top-up premium)
  
  Note: For the UNRP plan, premiums will be considered based on the year in which the allocation charge for regular premium is collected.