with total premiums across all policies meeting company conditions
starting from 200,000 Baht and above
with receipts issued by 31 January 2026
Eligibility is determined based on insurance premiums that are due and paid during the period from 1 January to 31 December 2025 of the calendar year, including premiums paid during the grace period up to 31 January 2026 as detailed below:
- New Policies: Premiums must be paid and the purchase transaction successfully completed by 31 December 2025.Only premiums paid under these conditions will be included in the calculation of the annual privilege entitlement.
- Renewal Policies: Eligibility is determined based on receipts with premium due dates falling between 1 January and 31 December 2025 In cases where premiums are paid after the due date for the December installment (if any), but within the grace period up to 31 January 2026, such premiums will also be included in the calculation of the annual privilege entitlement, in accordance with the calculation cycle.
- In the event of a policy lapse or policy surrender during the year, premium payment receipts associated with such policies—for which coverage has been terminated—shall be excluded from the total premium calculation for the annual Privilege tier allocation.
- Members of Prestige tier and above whose date of birth is between March 2026 – February 2027 only
- You can redeem the privilege through MTL Click Application. The gift box is located on the main page, under the Privilege menu. The gift box will appear on the customer's birthday and will remain available for three (3) months from the month of birth.
- The conditions are as specified by Muang Thai Life Assurance PCL.
- For more information, call Tel. 1766, Muang Thai Smile, available 24/7.
Remarks:
- Birthday gifts are for the customers who make premium payment of at least 200,000 Baht/year. The Company reserves the right to provide the gifts according to the membership tiers in 2026 as of 31 January 2026.
- Privilege redemption of Muang Thai Smile Club is in accordance with the membership tiers in 2026 as of 31 January 2026. It is subject to the due and paid premium amount in the calendar year 2025.
Q1: This year, why must members select their package themselves via the application instead of receiving documents by mail as usual?
A: To enhance the benefits and better match each member’s individual lifestyle (personalized), selecting through the MTL Click application allows members to view complete details and clear visuals, and confirm privilege redemption immediately without waiting for postal documents, making the process more convenient, faster, and more secure than before.
Q2: If members do not select a package within the specified period, will the benefits expire?
A: Members can select their preferred package from today until 30 September 2026. If no selection is made within the specified time, the system will automatically assign the Health & Wellness package. Members are therefore advised to select their package in advance to receive the benefits that best match their lifestyle.
Q3: After confirming the package selection, from what date can the special privileges be used?
A: Once you have completed the package selection, the privileges under the package you selected will be available for use within 10 business days. Members can check the details and redeem additional privileges via the MTL Click application.
Q4: Once a package has been selected, can it be changed later?
A: No changes can be made. Once the annual main package selection has been confirmed, the system will not allow any edits or changes. Members are advised to carefully review the details of each package in the MTL Click application before confirming their selection.
Q5: Why do the benefits in the package received differ from those of other members?
A: The exclusive privilege package for 2026 has been specially curated based on each member’s membership tier and policy holding history. The package shown in your application is therefore the best option that the Company has intentionally prepared on a personalized basis.
Q6: For the following year (2027), will members continue to receive this exclusive privilege benefit?
A: Membership tiers are reviewed and recalculated annually in accordance with the conditions set by the Company. However, your current tier (Prestige / Beyond Prestige, or The Ultimate) will remain fully protected and entitled to use all benefits throughout 2026. We recommend that you select your privileges and enjoy them to the fullest.
Q1: What are the criteria to determine an exclusive member’s tier (Prestige / Beyond Prestige / The Ultimate)?
A: The Company determines each member’s tier based on the total cumulative insurance premiums paid in 2025 (premium payments from 1 January to 31 December 2025) across all policies in force, subject to the conditions set by the Company.
Q2: If members do not redeem the privilege within their birth month, can they still redeem it retroactively?
A: Members can retroactively redeem the privilege via the MTL Click application within 3 months (including the birth month).
Example: A member born in April can redeem their birthday gift up until the end of June. The Company recommends that you complete this within the specified period to protect your benefits.
Q3: Can the birthday gift privilege be exchanged for cash or transferred to another person?
A: As this is a personal privilege, it cannot be exchanged, changed, or converted into cash, and cannot be transferred to another person under any circumstances. For the protection of personal data, the Company recommends that members link and redeem the privilege themselves via the MTL Click application.
Q4: If the privilege has been redeemed but the code is not used before it expires (after 60 minutes), what should be done?
A: The redemption code is valid for 60 minutes after being redeemed. If this time is exceeded, the code will expire automatically. A new code cannot be requested, nor can the privilege be reinstated, under any circumstances. The Company recommends that members redeem the privilege only while in front of staff at a participating store.
Q5: If the "Birthday Gift" menu cannot be found after accessing the MTL Click application, what should be done?
A: As an initial check, please go to the 'Muang Thai Smile Club' menu and select 'Privileges for You'. If it still cannot be found, this may be because your birth month has not yet arrived or the system is currently being updated. Members can contact the Customer Service Center at Tel. 1766, available 24/7, for further information and to check their membership status.
Q6: At which stores can the Magic Gift E-Voucher (for Beyond Prestige and The Ultimate members) be used?
A: The Magic Gift E-Voucher can be used in place of cash for its specified value at the following participating stores and brands:
Department stores and lifestyle: Central, ZEN, Marks & Spencer, MUJI, Robinson
Supermarkets: Central Food Hall, Tops, Superkoom, Eathai (Market Zone)
Electronics, IT, and sports: Power Buy, Supersports, B2S, OfficeMate
Home improvement, home decor, and health: Thai Watsadu, Baan & Beyond, Matsumoto Kiyoshi
(Note: Terms and conditions are subject to each store’s policy. Tenants/leased shops and food court areas are excluded.)
Q7: Must the 300-Baht Starbucks e-Coupon (for Prestige members) be used in full in a single transaction?
A: The full value must be used in a single transaction. This is because the coupon does not retain any remaining balance for future use and cannot be converted into cash. The Company recommends that you select products or beverages with a value close to or exceeding the coupon amount for your maximum benefit.