Receive 100% of initial sum assured when diagnosed with a critical illness in Group 2 as determined by the company. Claim different diseases and different Groups of diseases (1 of 45 diseases).  
Special: Receive additional benefits for medical expenses and rehabilitation in the critical illness Group 2. The company will pay benefits maximum not exceeding 10% of initial sum assured throughout policy.

Critical Illness for 15 diseases for the insured is under age of 16 years old on the anniversary of the policy

Receive 100% of initial sum assured when diagnosed with 1 of 15 critical illnesses. For Insured Persons under 16 years old on the policy anniversary date, the payment is limited to critical illness a maximum of 1 time throughout policy.


The first group of critical illnesses covered under this policy are as follows:

1) Alzheimer’s Disease

2) Aplastic Anemia

3) Bacterial Meningitis

4) Benign Brain Tumor

5) Blindness

6) Invasive Cancer

7) Cardiomyopathy

8) Chronic Liver Disease / End-stage Liver Disease / Liver Failure

9) Severe Chronic Obstructive Pulmonary Disease / End-stage Lung Disease)​

10) Coma

11) Coronary Artery By-pass Surgery

12) Acute Heart Attack

13) Open Heart Surgery for the Heart Valve

14) Chronic Kidney Failure

15) Loss of Hearing

16) Loss of Independent Living

17) Total and Permanent Disability - TPD

18) Loss of Speech

19) Major Burn

20) Major Head Trauma

21) Major Organs Transplantation or Bone Marrow Transplantation

22) Motor Neuron Disease

23) Multiple Sclerosis

24) Muscular Dystrophy

25) Fulminant Viral Hepatitis

26) Other Serious Coronary Artery Diseases

27) Paralysis

28) Parkinson’s Disease

29) Primary Pulmonary Arterial Hypertension

30) Severe Rheumatoid Arthritis

31) Major Stroke

32) Surgery to Aorta

33) Lupus Nephritis from Systemic Lupus Erythematosus

34) Viral Encephalitis

35) Apallic Syndrome or Vegetative State

36) Cerebral Aneurysm Requiring Brain Surgery

37) Multiple Root Avulsions of Brachial Plexus

38) Poliomyelitis

39) Surgery for Idiopathic Scoliosis

40) Chronic Relapsing Pancreatitis

41) Elephantiasis

42) Medullary Cystic Disease

43) Necrotizing Fasciitis and Gangrene

44) Progressive Scleroderma or Diffuse Systemic Sclerosis/Scleroderma

45) Severe Ulcerative Colitis or Crohn’s Disease

The Company will pay the greater of either 105% of sum assured stated in the policy schedule or endorsement (if applicable), or the total premiums received for life coverage. This amount will be reduced by any benefits already paid to the beneficiary for critical illnesses from Group 1 and Group 2. Once this benefit is paid, the policy will immediately terminate.

If the insured individual lives until the policy anniversary when they turn 90, based on the effective date of coverage, the Company will pay either 105% of initial sum assured listed in the policy schedule or endorsement (if applicable) or the total premiums paid for the life coverage, whichever amount is higher. This total will be reduced by any benefits already paid for coverage of critical illnesses in Groups 1 and 2. Once this benefit is paid, the policy will immediately terminate.

• Issue age: 31 days until 65 years old
• Min. sum assured: 200,000 baht per policy.
• Max. sum assured: 
  - 31 days – 15 years old: 3,000,000 baht per person
  - 16 - 65 years old: 10,000,000 bath per person
  This is contingent upon the underwriting guidelines established by the company.

• Can buy "Multi-stage Critical Illness 50" rider (DD50)
• The health assessment aligns with the insurance underwriting guidelines set by the company.