Senior Happy 2 (for Seniors)

The exclusions under the Policy are subject to the terms and conditions specified in the insurance policy issued by the Company to the policyholder.

The exclusions described in this document are only a summary of certain policy exclusions. Examples include:

1. Failure to disclose material facts or making any misrepresentation in the insurance application. In such cases, the Company may avoid the Policy and deny payment of any policy benefits.
2. Suicide within one year from the policy effective date or the date of the latest policy reinstatement.
3. Death intentionally caused by the beneficiary.
4. Misstatement of age, where the Company can prove that the insured's correct age at the time of policy issuance fell outside the Company's standard underwriting age limits and premium rates.

Q: What is the eligible age for Senior Happy 2 (for Seniors)?
A: Age 50 - 75 years old.

Q: What premium payment frequencies are available for Senior Happy 2 (for Seniors)?
A: Annual payment is required in the 1st Policy Year. From the 2nd Policy Year onwards, the policyholder may request to change the payment frequency to monthly, quarterly, or semiannual.

Q: What are the minimum and maximum sum assured under Senior Happy 2 (for Seniors)?
A: The minimum sum assured is THB 50,000 (in multiples of THB 10,000), and the maximum is THB 500,000. The maximum sum assured is subject to the total sum assured under all in-force senior insurance plans across all distribution channels.

Q: Is a medical examination or health declaration required for Senior Happy 2 (for Seniors)?
A: No health declaration or medical examination is required.

Q: Can Senior Happy 2 (for Seniors) be attached with riders?
A: Yes. It can only be attached with senior riders, subject to the underwriting terms and conditions of each rider.

Q: Can the premium for Senior Happy 2 (for Seniors) be paid by credit card?
A: Yes. The premium can be paid by credit card, with the Company bearing any applicable credit card fees.

• % means the percentage of the sum assured.
• Underwriting is subject to the Company’s terms and conditions.
• Coverage and the payment of benefits shall be in accordance with the conditions specified in the policy.
• The insured who wishes to claim life insurance premiums as a personal income tax deduction must notify the Company of their intention and provide consent for the Company to submit premium information to the Revenue Department.
• This is only basic information. An insured should read aware of coverage condition, benefits, and exclusions of an insurance policy.