AIA

AS CHARGED BENEFIT, DOUBLE SUM ASSURED,

AND WORTH THE MONEY

AIA Health Happy

" A comprehensive medical rider with as-charged benefits and exceptional value "

080-500-2244

info@pcfcare.com

@pacificcare

Lawyer Trin: +66 80 500 2222

AIA Health Happy

AIA Health Happy is a medical insurance rider from AIA,

designed to enhance your health protection with flexible, comprehensive, and cost-effective medical coverage.

The fundamentals of good health such as regular exercise, healthy eating, and adequate restare all beneficial for your well-being.

But wouldn't it be even better to have someone helping you maintain these good habits?

With the right protection in place, you gain a strong support system that helps you stay confident and resilient.

Today, AIA is proud to offer the AIA Health Happy Rider, a medical insurance plan designed to provide protection and support when you face physical health challenges.

So you can have peace of mind,

knowing that you will never have to face those moments with emotional worry alone.

As Charged medical benefits

No maximum limit per each hospitalization

Issue age from 11 to 75 years, renewable up to age 98, with coverage extended until age 99

Important Terms and Conditions

• Benefits under Categories 113, together with Out-Patient (OPD) medical expenses (if any), must not exceed the maximum benefits per policy year in aggregate.
• Day surgery refers to a major surgery, or a procedure performed in place of a major surgery, or the use of specialized treatment equipment that replaces major surgery, without requiring an overnight hospital stay.
• Minor surgery refers to a surgical procedure at the cutaneous, subcutaneous, or epithelial tissue level, performed under local or topical anesthesia.

Critical Illness Coverage

While the rider is in force, if the insured is diagnosed and confirmed with a covered critical illness for the first time after the waiting period, the Company will increase the maximum benefits per policy year to double the sum assured under this rider in the policy year in which the insured receives treatment for the critical illness.

Such doubled benefits will continue for another three consecutive policy years.

The first policy year in which the Company increases the maximum benefits shall be the policy year in which any one of the following events occurs first:

1. The insured is hospitalized due to critical illness for the first time; or
2. The insured undergoes day surgery due to critical illness for the first time; or
3. The insured undergoes tissue biopsy for examination for the first time and the biopsy results confirm the diagnosis of critical illness.

The Company will double the maximum benefits for critical illness coverage once per illness, according to the definition of critical illnesses covered under this rider, as follows:

1. Acute Heart Attack
2. Major Stroke
3. Coronary Artery By-Pass Surgery
4. Invasive Cancer
5. Major Organ Transplantation or Bone Marrow Transplantation
6. Surgery to the Aorta

• The applicant has the duty to provide true and complete information when applying for insurance. Any concealment or false declaration may result in cancellation of the policy or refusal to pay claims.
• Applicants are advised to carefully review the benefit illustrations before making a decision to purchase the insurance. After receiving the policy, please study the policy wording, terms, and conditions thoroughly.
• Coverage details are subject to the terms and conditions specified in the policy issued to the policyholder.

Double Benefits for Critical Illness Coverage

The Company will double the maximum benefits for critical illness coverage once per illness, in accordance with the definitions of critical illnesses covered under this rider, as follows:

1. Acute Heart Attack
2. Major Stroke
3. Coronary Artery By-Pass Surgery
4. Invasive Cancer
5. Major Organ Transplantation or Bone Marrow Transplantation
6. Surgery to the Aortaa

Waiting Period of AIA Health Happy Rider

1. Any illness occurring within 30 days from the effective date of this rider, or from the date on which the Company approves the additional benefits of this rider (whichever is later), is not covered.
2. Any of the following illnesses occurring within 120 days from the effective date of this rider, or from the date on which the Company approves the additional benefits of this rider (whichever is later), are not covered:

• All types of hernia
• Pterygium or cataract
• Tonsillectomy or adenoidectomy
• Endometriosis

Partial Exclusions of AIA Health Happy Rider

1. Conditions caused by congenital abnormalities, congenital organ or system defects, genetic disorders, or growth and developmental abnormalities.
2. Aesthetic enhancement treatments, cosmetic surgery, or any treatments for skin beauty purposes.
3. Pregnancy, miscarriage, abortion, childbirth, obstetric complications, infertility-related issues (including investigations and treatments), sterilization, and contraception.

Important Disclaimer

• The English version is an unofficial translation of the original Thai version and is provided for reference purposes only. The Thai version shall prevail and be legally binding.
• It is the duty of the insurance applicant to make premium payments. Any collection of insurance premiums by an insurance agent is provided solely as a facilitation service.
• Life insurance is not a cash deposit and is subject to policy surrender conditions. Surrendering the policy before maturity may result in the insured receiving an amount less than the total premiums paid.