❓ Forgot to pay the premium. What to do? Don't panic! Many people have

✅ 1. Grace Period

After the due date, the company will give you about 31 days. This period is still normally protected. If this happens, it can be claimed, but must pay the outstanding interest before the company pays the claim.

✅ 2. Automatic Premium Loan: APL

If the grace period is passed, but the policy still has accumulated cash, the company will pull the money there to pay the allowance instead so that the protection does not fall, but will also charge interest.

✅ 3.Aged policy (Lapse) + Renewed (Reinstatement)

If there is no cash left, the policy will run out of protection, but many companies allow renewal / reinstatement within five years (if not expropriated).

• Pay outstanding allowance + interest

• New check-ups may be required as required by the company.

• And if it's serious health / disease insurance, start counting the waiting period.

💡 Forgotten Defense Tips

• Set a warning on your phone

• Apply for automatic clearing / card

• Periodically check the value of cash in the policy.

👉 In short, don't panic if you forget to pay the allowance. There is still time and solution, but the best way is to "better save" the automatic payment system so you don't miss it.

# Thai Asa Insurance # Life insurance # Health insurance # Serious disease insurance # Investment control insurance