AIA Senior Happy for Coverage

"AIA Senior Happy," a life insurance product for seniors from AIA Thailand that focuses on providing protection and peace of mind to people from 50 to 70 years of age, with the following details and conditions:

# # # AIA Senior Happy Information and Qualifications

- For the elderly, 50 - 70 years old.

- Insurance amount from 50,000 - 200,000 Baht, up to 200,000 Baht per life.

- * * No check-up, no health questions * * Make insurance convenient and easy

- Fixed premiums throughout the contract, starting at only 7 baht per day (sample from a 50-year-old woman with an insured amount of 50,000 baht)

- Paid premiums for a specified period of time and covered to the age of 90.

# # # Protection and benefits

- If killed in the first 2 years (1st and 2nd policy years), the company pays a benefit of 102% of the premiums paid.

- If you die in an accident in the first two years, you will pay 102% of your paid allowance plus the amount of insurance.

- If you die from the third policy year onwards, the company will pay the largest amount of benefits between

- 100% of the insured amount

- Policy expropriation money

- Total amount of main premiums paid

- In the case of living to age 90, receive 102% of all paid main premiums.

# # # Some protection exceptions, e.g.

- Intentional killing or assault.

- Suicide or self-harm while having a mental breakdown.

- Some disease infections caused by accidental wounds.

# # # Annual standard premium per sum of 1,000 baht

Premiums are based on the age and sex of the insured person, e.g.

- 50 years old: male 59.80 baht, female 50.02 baht

- 60 years old: male 83.95 baht, female 68.42 baht

- 70 years old: male 127.65 baht, female 106.95 baht

# # # Fictional event example

- Khun Rong, a 50-year-old man, with a coverage of 200,000 baht, pay a premium of 11,960 baht per year.

- Suppose you've paid your allowance for five years and died.

- If killed in an accident, the company pays 102% of the paid premium plus the sum of 224,398 baht.

- If you die from other causes, receive the insurance amount of 200,000 baht or the most other amount according to the said terms.

# # # Warranty overview

- The insured applicant shall make a statement of truth in the insured application. If it conceals or provides false information, the company may terminate the contract and not pay the claim.

- Payment of premiums is the duty of the insured applicant. The agent only serves to collect premiums.

- Policy expropriation may cause a refund not equal to the paid allowance.

Overall, AIA Senior Happy is a life insurance scheme for the elderly that focuses on convenience, no medical examinations, and clear benefits in both death and full life, with tangible premiums, allowing the elderly to confidently plan their finances and reduce the burden on their offspring.

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