3,006,844Team A17’s highest critical illness lump-sum claim
2,500,000A cancer claim for a Team A17 client with 4 months of continuous treatment
Use freelyTreatment beyond your limit, household expenses, income replacement
CI 123
Krungthai-AXAAll 123 illnesses, paid from the pre-early stage
- Early detection, early payment: paid from the pre-early stage
- Covers childhood illnesses and critical conditions requiring ICU or ECMO
- Long-term cover to age 99, sum assured up to THB 10 million
Best for: those wanting the broadest cover for the whole family, including young children
iShield
Krungthai-AXAA popular critical illness plan with level premiums and long-term cover
- Choose a premium term of 5, 10, 15 or 20 years, with level premiums throughout
- Long-term cover to age 85
- Up to 4 early-stage claims
- If you do not claim, the sum assured is returned, providing both protection and savings
Best for: those who want to finish paying quickly, with no premium increases and money returned
CI 123 compared with iShield
| Item | CI 123 | iShield |
|---|---|---|
| Plan type | Rider attached to life insurance | Base plan covering life and critical illness |
| Number of covered illnesses | 123 illnesses | 70 illnesses |
| Pre-early stage | 6 illnesses, paying 20% of the sum assured (up to 100,000) | – |
| Early to intermediate stage | 42 illnesses, paying 25% of the sum assured | 20 illnesses, paying 25%, claimable up to 4 times |
| Major stage | 53 illnesses, paying 100% | 50 illnesses, paying 100% (less amounts already claimed) |
| Childhood illnesses | 17 illnesses, paying 25% | – |
| Critical conditions, ICU / ECMO | Pays 25% | – |
| Issue age | 1 month – 75 years | 1 month – 51 to 56 years (depending on premium term) |
| Coverage term | 99 years | Long-term cover to age 85 |
| Premium payment period | Payable to age 98 | Choose a premium term of 5, 10, 15 or 20 years (level premiums) |
| Sum assured | 100,000 – 10,000,000 | 100,000 – 5,000,000 |
| No claim / death | – | Sum assured returned (less amounts already claimed) |
| Waiting period | 90 days (except accidents) | 90 days |
Many clients choose both: iShield as a base that is paid up quickly and returns money, supplemented by CI 123 for early-stage cover and a broader range of illnesses. An appropriate sum assured should equal at least 3–5 years of income.
A simplified summary. Illness lists, definitions and conditions are as stated in the policy. Please verify figures against the latest sales illustration.