Key Features of This Plan
Bangkok Life Happy Saving (Par) offers flexible coverage
Up to 100% of sum assured
Death benefit (any cause)
6 plans to choose from
Pick the plan that fits your budget and needs
From ฿12,000/year
Real starting premium for the plan you pick
OIC regulated
The insurer is licensed and supervised by the Office of Insurance Commission
Tax deductible
Premiums qualify for a personal income tax deduction
Apply in minutes
Apply through CheckDi in 5 minutes and get the policy by email
Expert Review
CheckDi Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, Bangkok Life Happy Saving (Par) stands out for its comprehensive coverage with 6 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 Happy Saving (Par) is designed for multiple lifestyles
Office Workers / Freelancers
No company benefits or insufficient coverage
Families
Want peace of mind that medical costs won't impact savings
Frequent Travelers
Need coverage both domestic and international
Young Professionals Starting to Plan
Low premiums at young age, upgrade as income grows
Coverage Comparison
Compare plans from Bangkok Life Happy Saving (Par) to find the best fit
| Coverage | 2515 | 18-10 | 99-10 | 16-8 | 99-5 | 14-7 |
|---|---|---|---|---|---|---|
| Main Coverage | ||||||
| Death benefit (any cause) | 1 | 1 | 1 | 1 | 1 | 1 |
| Maturity Benefit (Guaranteed) | 1.8 | 3 | 7 | 7.61 | 7 | 7 |
| Death Benefit Formula | 100% of SA (years 1-6), 150% (years 7-12), 175% (years 13-18), 200% (years 19-25) | 100% of SA (years 1-3), 150% (years 4-5), 200% (years 6-7), 250% (years 8-9), 300% (years 10-18), or premiums paid if higher | 100% of SA in year 1, rising 100% a year to 500% in year 5, then 510% rising 10% a year up to 700%, or 105% of premiums paid if higher | 100% of SA in year 1, rising 100% a year to 800% from year 8 to 16, or premiums paid if higher | 100% of SA in year 1, rising 100% a year to 500% in year 5, then 510% rising 10% a year up to 700%, or 105% of premiums paid if higher | 100% of SA in year 1, rising 100% a year to 700% from year 7 to 14, or premiums paid if higher |
| Premium Payment Term (Years) | 15 | 10 | 10 | 8 | 5 | 7 |
| Coverage Term (Years) | 25 | 18 | - | 16 | - | 14 |
| Annual Return / Survival Benefit | - | 7% per year | 4% per year | - | 4% per year | 8% per year |
| Maturity Benefit (+2.5% dividend projection) | - | 3.45 | 7.50 | - | 7.50 | 7.35 |
| Annual Cashback (Rate) | - | 0.07 | 0.04 | - | 0.04 | 0.08 |
| Coverage Until Age | - | - | 99 | - | 99 | - |
| Additional Coverage | ||||||
| Maturity Benefit | - | 300% of sum assured | 700% of sum assured | 8% of sum assured | 700% of sum assured | 700% of sum assured |
| Starting Premium | ≈ 12,000* /yr | ≈ 17,550* /yr | ≈ 23,881* /yr | ≈ 29,970* /yr | ≈ 42,418* /yr | ≈ 49,650* /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 Happy Saving (Par) | |
|---|---|---|
| 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
Similar plans from other insurers (prices for age 30)
Terms & Conditions
Claims Process
The beneficiary files the claim with the insurer
Policy by email
Once approved, your policy arrives by email. Tell your beneficiary where it is kept.
Notify the insurer
When a claim arises the beneficiary notifies the insurer, or tells CheckDi and we help coordinate.
Submit documents
Submit the policy, death certificate, ID copies of the insured and the beneficiary, and anything else the insurer asks for.
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
กรุงเทพประกันชีวิต Happy Saving 2515 (Par)
Premium 12,000 THB/year (age 30)
The insured passes away while the policy is in force
These figures come from this plan's own data. What is actually paid depends on the policy conditions and exclusions.
Free help choosing a plan - and when you need to claim, the CheckDi team works with the insurer for you.
Frequently Asked Questions
About กรุงเทพประกันชีวิต
กรุงเทพประกันชีวิต
กรุงเทพประกันชีวิต is a leading insurer in Thailand offering comprehensive health and non-life insurance products.
Legal & Consumer Protection
OIC Regulated
This plan is approved by the Office of Insurance Commission (OIC). Policyholders are protected by law.
File Complaint with OIC
If you have issues with claims or service, call OIC hotline 1186 or visit oic.or.th
CheckDi is a Licensed Non-Life Insurance Broker
CheckDi Co., Ltd. acts as an intermediary to compare and present insurance plans from leading insurers.
