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Perfect Business Smart

​​​​​​​​​​​​​​​​​​​​​​With or without you, your business is always worryfree.

Life insurance for a KBank business loan customer.

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​Key Features

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Insurance Details

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​Insured Period

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Coverage​

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​How to Apply​

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Single payment, entire contract coverage

 

Coverage for death and permanent disability

 

Free from remaining liability

in case of unexpected events to the insured party*

*For the purchase of full loan limit coverage with full loan term and normal loan payment records, according to the bank loan contract.


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Insurance Details

 

Insured period

1 - 15 years

 

Term of premium payment

Single

 

Applicant qualification

20 - 60 years old

 

Minimum sum insured

500,000 baht

 

Request a credit limit to pay for premiums additionally

Note​:

Consideration of insurance shall be based on the criteria set by the company.


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Insured Period

 
 

Note​:

% of benefits and coverage of the insured amount as of the contract start date.


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Coverage and Conditions

Coverage
  • Death coverage at 100% of the sum insured throughout the contract
  • Total and permanent disability coverage at 100% of the sum insured throughout the contract

Remark:

The premium of this life coverage insurance can be eligible for personal income tax deduction according to the Notification of the Director General of the Revenue Department on Income Tax no. 172 announced on December 30, 2008, for an insurance term of 10 years and above.

Integrity of the insurance contract
Should the policy holder or insuring or insured party knowingly misrepresent any fact and fail to disclose that fact to the company when requesting insurance, if that fact becomes known to the company, the company has the right to charge a higher premium or decline to accept the insurance contract; the insurance contract shall then become void according to Section 865 of the Civil and Commercial Code by which the company may nullify the contract and refuse to pay according to the policy.
Circumstances that the company does not cover:
  1. The insured party voluntarily commits suicide within 1 year from the contract date
  2. The insured party is intentionally killed by the beneficiary
  3. The insuring or insured party misrepresents the actual age of the insured, and the company is able to prove that upon entering the insurance contract, the actual age falls outside the insurance premium rate limit based on the normal trade of the company
Life Insurance Providers

Life Insurance Companies

Muang Thai Life Insurance Public Company Limited

Life Insurance Brokers

Kasikornbank Public Company Limited as a brokerage firm, License no. Chor. 00024/2546

Remarks:

  • KASIKORNBANK PCL, as a life insurance broker, offers life insurance products and facilitates payment of premiums only. Muang Thai Life Insurance Public Company Limited is responsible for the coverage conditions and entitled benefits as stated in the insurance policy conditions
  • The buyer should understand the details and conditions of the coverage before deciding to purchase insurance
  • Benefits, coverage, and exemptions are defined as specified in the Perfect Business Smart policy. Consumers should study the details of the policy's coverage and conditions

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How to Apply

Qualifications
  • Must be a business loan customer of Kasikorn Bank
  • Age 20-60 years old
  • Age not exceeding 65 years old inclusive of the insurance period

Remark:

Acceptance of insurance shall be based on criteria set by the company.

Required Documents
  • Copy of the national ID card and copy of the house registration of the insured party
  • Life insurance request form
  • Life insurance sales illustration

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Frequently Asked Questions

What is Perfect Business Smart?

This is a life insurance for a KBank business loan customer with a peace of mind even when the unexpected happens.

What is the policy period of Perfect Business Smart?

Can choose from 1 - 15 years.

What is the age range of the insured for Perfect Business Smart?

From 20 - 60 years old (after including term of insurance, age must not exceed 65 years old).

What coverage will the insured receive from Perfect Business Smart?

The insured will be protected for both for death and permanent disability at 100% of the sum insured throughout the contract.

How is the Perfect Business Smart premium calculated?

Premium calculation based on age and gender of the insured.

To buy Perfect Business Smart, is a health check-up required?

Subject to conditions & criteria specified by the company and acceptance of insurance shall be based on criteria set by the company. The check-up is required or not is subjective to the sum insured and age of the insured.

Is Perfect Business Smart tax deductible?

The premium of this life coverage insurance can be eligible for personal income tax deduction according to the Notification of the Director General of the Revenue Department on Income Tax no. 172 announced on December 30, 2008, for an insurance term of 10 years and above.

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