Get Paid Immediately When Diagnosed with Cancer or Critical Illness
Don't wait for treatment to finish. Receive lump sum payment the moment you're diagnosed with any of 62 critical illnesses. Use the money however you need.
Coverage from 300,000 - 10,000,000 THB
Pay year by year, Protected to Age 99
Licensed AIA Agent
Immediate Lump Sum Payment
Get paid the moment you're diagnosed - no waiting for treatment
Pay Year by Year, Covered Until 99
100% payout for death or maturity at age 99
62 Critical Illnesses Covered
Cancer, heart disease, stroke, and 59 more conditions
You exercise, eat well, and take care of yourself. But cancer doesn't discriminate. Family history, genetics, environment, stress - factors beyond your control. When diagnosis comes, treatment costs 1-5 million THB.
Critical illness treatment is financially devastating
Cancer: 1-5M THB. Heart surgery: 800K-2M THB. Stroke rehabilitation: 500K-1M THB ongoing. Your health insurance covers medical bills, but what about lost income? The financial burden destroys families.
You can't work for months or years during treatment
While you fight for your life, your family fights to pay bills. Spouses quit jobs to care for you. Children's education suffers. Savings evaporate. Your illness shouldn't destroy your family's future.
Our Plans
Why Critical Illness Insurance Changes Everything
Get immediate financial relief when you need it most - without waiting for treatment to finish
Get 100% of your coverage amount paid immediately when diagnosed - not after treatment. Use the money for anything: world-class treatment, experimental therapy, living expenses, or debt.
Entry Age: 15 days to 75 years old, renewable up to age 98
Coverage Amount: Starting from THB 100,000 and above
Premium Payment: Annual renewable premium
Covers up to 62 critical illnesses
Total benefits up to 1,000% of the Sum Assured
Early to Intermediate Stage: 40% of Sum Assured, up to 5 times
Severe Stage: 100% of Sum Assured, up to 6 times
Premium Waiver upon first severe-stage diagnosis
Relapsed CI Benefit for Cancer, Heart Attack & Stroke
Death Benefit: 100% sum assured to beneficiaries
Starting from 2,100 THB/Year
Ideal For: People who already have medical insurance but need income replacement during treatment. Unlike health insurance that pays hospitals, CI insurance pays YOU.
Daily compensation is paid while hospitalized; job is lost, but income remains. Use the money for anything: experimental therapy, living expenses, debt, or taking your family on that trip.
Entry Age: 1 month to 79 years old
Coverage Amount: Starting from THB 100,000 and above
Premium Payment: Annual renewable premium
Covers cancer and 6 major critical illnesses
Benefits payable after 30-day waiting period
THB 1,000/day per THB 100,000 Sum Assured while hospitalized
100% Sum Assured for death due to covered critical illness
Ideal For: Those who earn modestly but still want real protection against critical illnesses. Pay less, get more - receive income while hospitalized and ensure your loved ones are financially protected.
Don't let your premiums go to waste. Choose protection that builds real value - with AIA CI SuperCare, you stay protected while your financial future remains secure.
Entry Age: 1 month to 65 years old
Coverage for up to 62 critical illnesses - early to severe
Life protection included - death benefit from any cause
Fixed premiums. Clear budget. No surprises.
Stay protected to age 99
Get 100% of total premiums back at maturity*
Starting from 15,070 THB/Year (Sum Assured: THB 500,000)
Ideal For: People who want real coverage, real benefits, and real returns - all in one plan. Whether life brings health challenges or the unexpected, this plan helps you stay financially strong. If you live a long, healthy life, your premiums return to you.
Doctor diagnoses you with a covered critical illness.
02 Day 2-5
Submit Claim
Contact us via LINE. Send medical reports and diagnosis certificates. We help gather everything.
03 Day 7-14
Money Transferred
Full lump sum transferred directly to your bank account. No waiting for treatment completion. Focus on recovery.
Real Scenarios
How CI Insurance Saves Families
Breast Cancer at Age 38
Nattaya - Marketing manager, married with 2 children. Diagnosed with stage 2 breast cancer. 18-month treatment plan.
Treatment cost: 1,200,000 THB
Lost income (12 months): 720,000 THB
Extra costs: 800,000 THB
Total need: 2,720,000 THB
Health insurance covers: 800,000 THB
✕ Without CI: Out of pocket 1,920,000 THB
✓ With CI SuperCare (3M): Covered + 280,000 THB remaining
Heart Attack at Age 45
Prasert - Business owner, sole breadwinner. Sudden heart attack requiring bypass surgery. 6 months recovery.
Surgery & hospital: 1,800,000 THB
Lost business income: 900,000 THB
Business costs continued: 1,080,000 THB
Total need: 4,080,000 THB
Health insurance covers: 1,500,000 THB
✕ Without CI: Out of pocket 2,580,000 THB
✓ With CI SuperCare (5M): Covered + 920,000 THB remaining
Stroke with Paralysis at Age 52
Somsak - Government employee, supporting elderly parents. Severe stroke causing partial paralysis. Cannot return to work.
Initial treatment: 800,000 THB
Rehab: 40,000 THB/month ongoing
Home modifications: 200,000 THB
First year: 1,480,000 THB + ongoing
Lost income: Permanent
✕ Without CI: Financial devastation
✓ With CI SuperCare (2M): Stability during devastating time
Who Needs It
Is Critical Illness Insurance Right for You?
Family Breadwinners
Your family depends on your income
CI ensures financial security if you're diagnosed
Your backup plan for cancer or heart disease
People with Family History
Cancer, heart disease, or diabetes in your family
Your risk is significantly higher
Get protected before it's too late
Self-Employed & Business Owners
No company insurance or sick leave
Income stops if you can't work
CI is your personal safety net
Health-Conscious Achievers
Critical illness hits healthy people too
Stress, genetics, environment matter more
Smart people protect against the unexpected
High Earners & Professionals
Earning 100,000+ THB/month
Lifestyle depends on your income
Savings won't last 1-2 years without work
Aging Parents (40+)
Cancer risk rises dramatically after 40
Protect yourself and your parents
CI insurance protects everyone
Young Couples & Newlyweds
Lock in low premiums while young
Protect your new life together
Build your future with confidence
People with Mortgage & Debt
Debts don't stop when you're sick
Lump sum covers mortgage payments
Protect your home and assets
Bottom Line: If you'd be financially destroyed by a cancer diagnosis, you need CI insurance. Period.
Comparison
Why You Need BOTH - They Work Differently
Aspect
Health Insurance
Critical Illness Insurance
Why You Need Both
What It Pays
Hospital bills
Lump sum cash to YOU
Health = bills, CI = income replacement
When You Get Paid
After treatment
Immediately upon diagnosis
CI pays when you need money most
How Much
Actual medical costs
Fixed amount (your choice)
CI gives you financial freedom
Where to Use
Partner hospitals only
Anywhere in the world
CI lets you get best treatment anywhere
What It Covers
Medical treatment only
Any expense you want
CI covers lost income, mortgage, living costs
Annual Limit
Yes (1-25M/year)
No limit (one-time payout)
CI gives you large lump sum
Health Insurance = Pays the hospital. Critical Illness Insurance = Pays your salary when you can't work. You need both because medical bills AND lost income will destroy you financially. Khun Somchai gets cancer. Health insurance pays 1.2M THB to hospital — but who pays his family's bills for 18 months? Answer: Critical Illness Insurance — 3M THB lump sum.
Hello AIA
Insurance Expert
Why AIA
Why Trust AIA for Critical Illness Protection?
Asia's Largest Life Insurer
AIA Group manages over $300 billion USD in assets. Rated A+ by S&P, AA- by Fitch. Your claims are backed by real financial strength.
85 Years of Claims Experience
Over 50,000 critical illness claims processed in Thailand. Fast approvals, professional support, and fair treatment when you need us most.
Industry Awards for Claims Service
Recognized by OIC for excellent claims handling. 97% claim approval rate. Average 7-day payout. We make claims easy, not difficult.
Personal Agent Support
You're not just a policy number. I personally help every client through the claims process. Hospital visits, document gathering, AIA follow-up.
FAQ
Common Questions About Critical Illness Insurance
How is CI insurance different from health insurance?
Health insurance pays hospitals for your medical treatment. CI insurance pays YOU a lump sum in cash when diagnosed - you can use the money for anything: treatment, living expenses, experimental therapy, lost income, or even early retirement. Health insurance covers the hospital bill; CI insurance covers your LIFE while you're sick.
What if I already have health insurance - do I really need CI?
Yes! Health insurance and CI insurance work together. Health insurance pays for treatment but doesn't replace your income or cover non-medical costs. When you have cancer, who pays your mortgage for 18 months? Your child's school fees? Your business costs? CI insurance does. They complement each other perfectly.
Will you pay if I get diagnosed abroad?
Absolutely. As long as the diagnosis is made by a licensed doctor and confirmed by medical reports, we pay regardless of where you're diagnosed. Many clients get second opinions or treatment overseas - completely covered.
What if I have early-stage cancer - do I still get paid?
Yes! CI SuperCare pays for early-stage critical illness like carcinoma in situ. If it progresses to major cancer later, you get the remaining benefit. Early detection is rewarded, not penalized.
Can I claim more than once?
If it's the same disease group, you can only claim it once. But if it's a different disease group, you can claim again, such as with the MPCI plan.
What happens if I never get critically ill?
For CI SuperCare plan, at age 99, if you've never claimed, you receive 100% of all premiums paid back. If you pass away before 99 without claiming, your beneficiaries get 100% death benefit. Either way, you or your family get money - you literally cannot lose.
Will premiums increase as I get older?
Depending on the plan you choose. If you purchase the MPCI plan, the price will adjust every 5 years. If you purchase the CI SuperCare plan, the price will be fixed from the day you purchase it.
I'm over 50 - is it too late?
Not at all. CI insurance is available up to age 60-65 for new applications. Yes, premiums are higher, but the risk is also higher. If you're healthy now, apply immediately before health issues make you uninsurable. Every year you wait costs more or might become impossible.
What if I'm diagnosed just 1 month after buying the policy?
If you purchase the AIA Health Cancer plan, you will receive coverage after the 30-day waiting period. If you purchase the MPCI Plus and CI SuperCare plans, you will not receive coverage because there is a 60-day waiting period.
Can I buy this for my children or parents?
Yes! CI insurance is available from age 1 to 60-65 years old. Buying for children locks in extremely low premiums for life. For parents, it's possible if they're healthy and under the age limit. Each person needs their own policy.
Common Concerns
Common Concerns - Answered Honestly
"Critical illness won't happen to me - I'm healthy"
That's what every single person diagnosed with cancer thought. 1 in 3 Thais will get cancer. Heart disease affects healthy people too. The younger and healthier you are NOW, the cheaper your premiums. Buy when you're healthy, not when you're sick.
"MPCI insurance is too expensive"
At age 30, 1 million coverage costs about 6,541 THB/year. That's 18 baht per day - cheaper than a cup of coffee. One cancer diagnosis costs 2-5 million baht + 1-2 years lost income. Which is more expensive?
"I'll just save the money instead"
Can you save 3 million THB in the next 3 years? Probably not. But cancer doesn't wait for your savings plan. CI insurance gives you instant protection from day one. Plus, if you never claim, you get 100% of premiums back at age 99.
"What if the insurance company doesn't pay?"
AIA has 97% claim approval rate for valid claims. We're the largest insurer in Asia - we WANT to pay claims. The 3% rejected are fraudulent or didn't meet policy conditions. Buy from AIA, understand your terms, and claims get paid.
"I have savings and family support"
Cancer treatment is 2-5 million minimum. Can you afford not working for 1-2 years? What about your family's ongoing expenses? Even wealthy families get financially destroyed by critical illness. Your savings should be for your future, not cancer treatment.
Act Now
Why You Should Apply Today, Not Tomorrow
Your Next Birthday Costs You Money
Age 30: 6,541 THB/yr. Age 35: 8,270 THB/yr. Age 40: 9,680 THB/yr. Age 45: 12,735 THB/yr. Age 50: 19,472 THB/yr. Every year you wait, premiums increase 10-20%.
You Can Only Buy While You're Healthy
Insurance companies reject applications for pre-existing conditions. Once you have high blood pressure, diabetes, or abnormal test results, you become uninsurable. Buy NOW while you're healthy.
Cancer Rates Are Rising in Thailand
130,000 new cancer cases diagnosed in Thailand every year. 1 in 3 people will face critical illness. The question isn't "if" but "when". Will you be financially ready?
Your Family Needs You to Be Responsible
What would happen to your family if you were diagnosed with cancer tomorrow? Would they lose the house? Pull kids from school? Your family deserves better. One decision today protects them for life.
Claims Transparency
Exactly How Claims Work - No Hidden Surprises
Required Documents
Completed claim form (we help you)
Medical reports and diagnosis certificate
Hospital discharge summary
Policy document copy
ID card and bank details
Attending physician's statement
Common Rejection Reasons (Be Aware)
Pre-existing condition within waiting period
Incomplete medical documentation
Condition not meeting policy definition
Non-disclosure of previous health conditions
Fraudulent claims
How to Avoid: Be honest on your application, understand policy terms, submit complete documents. We help with all of this.
Get Started
Don't Wait for a Diagnosis to Wish You Had Insurance
Protect your family today. Get instant quote, personalized consultation, and peace of mind.
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