Bangkok Life BLA Term 2018 | Compare Insurance Plans

Key Features of This Plan

Bangkok Life BLA Term 2018 offers flexible coverage

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Up to 100% of sum assured

Death benefit (any cause)

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4 plans to choose from

Pick the plan that fits your budget and needs

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From ฿5,777/year

Real starting premium for the plan you pick

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OIC regulated

The insurer is licensed and supervised by the Office of Insurance Commission

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Tax deductible

Premiums qualify for a personal income tax deduction

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Apply in minutes

Apply through CheckDi in 5 minutes and get the policy by email

Expert Review

CHECKDi

CheckDi Editorial

Health insurance analysis team · Compared 200+ plans from 30+ insurers

⭐⭐⭐⭐⭐ 4.5/5

After comparing 200+ health plans in the market, Bangkok Life BLA Term 2018 stands out for its comprehensive coverage with 4 plan levels, affordable starting premium, actual-cost IPD and ICU, and cashless hospital network.

✅ Why CheckDi Recommends

Comprehensive coverage, no per-visit limit
Nationwide hospital network, cashless
Starting premium below market average

⚠️ Things to Know Before Deciding

Declare your health and occupation truthfully — missing details can affect a claim
OPD may require add-on purchase
Read policy details before deciding

Who Is This For

Bangkok Life BLA Term 2018 is designed for multiple lifestyles

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Office Workers / Freelancers

No company benefits or insufficient coverage

👨‍👩‍👧

Families

Want peace of mind that medical costs won't impact savings

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Frequent Travelers

Need coverage both domestic and international

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Young Professionals Starting to Plan

Low premiums at young age, upgrade as income grows

Coverage Comparison

Compare plans from Bangkok Life BLA Term 2018 to find the best fit

Coverage	10-10	5-5	15-15	18-18
Additional Coverage
Death benefit (any cause)	1	1	1	1
Premium Payment Term (Years)	10	5	15	18
Coverage Term (Years)	10	5	15	18
Starting Premium	≈ 5,777* /yr	≈ 6,017* /yr	≈ 6,127* /yr	≈ 6,417* /yr

* Starting price for the lowest-risk profile. Actual price varies by age, gender, and insurer conditions.

Comparison: Private Health Insurance vs Social Security

Why is comprehensive health insurance essential, even with social security?

	Social Security	Bangkok Life BLA Term 2018
Coverage Amount	Per entitlement (limited)	Up to 30M THB/year
Choose Hospital	❌ Must use assigned hospital	✅ Choose from 1,000+
Private Room	❌ Shared ward	✅ Private room available
Advance Payment	Not needed (but limited hospitals)	✅ Cashless at network hospitals
Outpatient (OPD)	✅ Per entitlement	✅ Add-on available
Critical Illness	Limited by criteria	✅ Pay as actual
Tax Deduction	❌	✅ Up to 100,000 THB

Compare with other insurers

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From ฿6,031/yr

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PB Beyond (12-year pay main plans)

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Compare side by side See every plan from every insurer →

Terms & Conditions

Coverage Period

10 years / 5 years / 15 years ...

Payment Term

10 years / 5 years / 15 years ...

Tax Deduction

Up to 100,000 THB/year for policies covering 10 years or more (annuity plans up to 200,000 THB/year, per Revenue Department rules)

Waiting Period

Early-contract exclusions — suicide within 1 year, and misstatement within 2 years

Full terms

See every condition, exclusion and benefit on the plan detail page or the insurer's own documents

Claims Process

The beneficiary files the claim with the insurer

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Policy by email

Once approved, your policy arrives by email. Tell your beneficiary where it is kept.

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Notify the insurer

When a claim arises the beneficiary notifies the insurer, or tells CheckDi and we help coordinate.

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Submit documents

Submit the policy, death certificate, ID copies of the insured and the beneficiary, and anything else the insurer asks for.

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Benefit paid

The insurer reviews and transfers the benefit to the beneficiary. For medical riders, use the medical card at the hospital as usual.

What this plan pays

Real figures from the lowest-priced plan in this family

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กรุงเทพประกันชีวิต Term 2018 (10/10)

Premium 5,777 THB/year (age 30)

SCENARIO

The insured passes away while the policy is in force

Death benefit (any cause)100% of sum assured

These figures come from this plan's own data. What is actually paid depends on the policy conditions and exclusions.

Nong CheckDi has your back

Free help choosing a plan - and when you need to claim, the CheckDi team works with the insurer for you.

Frequently Asked Questions

QBangkok Life BLA Term 2018 - what does it cover?

Bangkok Life BLA Term 2018 has 4 plans, from ฿5,777/year. Compare the cover of every plan in the comparison table.

QHow is buying through CheckDi different from buying direct?

Same price - but CheckDi lets you compare plans from many insurers in one place and apply online straight away.

QCan CheckDi help with a claim?

Yes. The CheckDi team coordinates with the insurer and follows up on your claim. See the steps for this plan under "Claims Process" above.

QIs the premium tax deductible?

Premiums can be deducted from personal income tax under Revenue Department rules.

About กรุงเทพประกันชีวิต

กรุงเทพประกันชีวิต