AIA Health Happy
AS CHARGED BENEFIT, DOUBLE SUM ASSURED, AND WORTH THE MONEY
A comprehensive medical rider with as-charged benefits and exceptional value. Apply with flexibility and enjoy complete peace of mind on your health journey.
Why Choose 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. While regular exercise, healthy eating, and adequate rest form the fundamentals of good health, having a strong protection system gives you the confidence and resilience needed when physical health challenges arise—so you never face those moments alone.
As Charged Medical Benefits & Key Features
1. High Coverage Limit
Maximum overall benefits of up to 25 million Baht per policy year.
2. Double Sum Assured (Double CI)
In the event of a critical illness, the sum assured is doubled and coverage continues for up to 4 consecutive policy years.
3. No Per-Hospitalization Cap
No maximum limit per each hospitalization event within the annual limit.
4. 365 Days Room & Board
Comprehensive coverage for hospital daily room and board for up to 365 days per policy year.
5. Out-Patient (OPD) Benefit
Out-patient treatment benefits included (applicable for the 25-million-Baht plan option).
6. Extended Issue Age
Issue age from 11 to 75 years, renewable up to age 98, with coverage extended until age 99.
SUFFERING THE SAME ILLNESS DOES NOT NECESSARILY IMPLY THE SAME MEDICAL EXPENSES
Choose the right insurance plan tailored specifically for yourself!
Important Terms, Critical Illness & Waiting Periods
Important Terms and Conditions
- Benefits under Categories 1-13, together with Out-Patient (OPD) medical expenses (if any), must not exceed the maximum benefits per policy year in aggregate.
- Day Surgery: Major surgery or procedure performed without requiring an overnight hospital stay.
- Minor Surgery: Surgical procedure at cutaneous, subcutaneous, or epithelial tissue level performed under local anesthesia.
Double Benefits for Critical Illness Coverage
The Company will double the maximum benefits for critical illness coverage once per illness for up to 4 consecutive policy years for the following covered conditions:
- Acute Heart Attack
- Major Stroke
- Coronary Artery By-Pass Surgery
- Invasive Cancer
- Major Organ Transplantation or Bone Marrow Transplantation
- Surgery to the Aorta
Waiting Periods & Exclusions
General Waiting Period: Any illness occurring within 30 days from the effective date is not covered.
120-Day Waiting Period Conditions: Hernia, Pterygium/Cataract, Tonsillectomy/Adenoidectomy, and Endometriosis.
Partial Exclusions: Congenital abnormalities, aesthetic/cosmetic surgery, pregnancy/childbirth, and sterilization.
Get Protected with AIA Health Happy Today
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