คำอธิบายและกรณีศึกษาประกอบใบคำขอเอาประกันชีวิตฉบับมาตรฐาน

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.......... ( ................. 1.5. ...........

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ก $ ! *: 4! C . * .C H , - 4! ; ,& , ก $ ! * : 4! ก ก ก 8% * .& ,H 4 . - )./ ' ! ก ก : ก " $ % ( ก # G ก ' + 9 ก " ก 9 ก +%&" ก ' 8 ) ก ก 9 %&" ก ' (" - 5" ก ! $* (" ก * - + " 8 ( ก ( $ก ก (8 ก 4) ! ( +) / ก (8 กก ( $ %&" ก ' (" + $8 ก / /5 H8 ก G* ก- +) %&" G (" + 5 % G 9 K #ก 8 - ( ก " $ ก K #ก ! "- ( ( " $ %&" ก ' ก C(5" - 8 $ " $ ก 4) ! ( +) 5 $%&" ก ' ก (8 กก ( + / ! "# $ %& ' ! /8 กก ( + / + 9 " $ 4 @ ก( + / $-$ $ ก 4) ! ( +) -$ ก (5E4 9 ก@ (" ก) ( " ก = %&" ก ' 4) ! ( +) - + " $ " ! " ) ก 4$ก ) ก 9 ก@ ("8 (! " * G ) ก 8 /5' *5 $ %&" ก ' ก " กK %&" ก ' /5' * 5@$ $ ' , % & ,& , !4 ก % * +: +8 '* & , ก ก '" กก '8 . ( " ,1.4. % ; ก:; >?, 5" @88 $PI$ (" %&" ก ' %&" /5' *( - 8) + " $ก 8 ) ก ก 9 +%&" ก ' ก 4) ! ( +) ก@ ! - < 4 +%&" ก ' C( % + $ 4! " 9 ! -) 5 ก 8E$ 8 / (" ก C( % 5" - 8 $ 4 8 8&$!8! " 9 ก I( ) 8 ) ! " ก $%&" ก ' ก 9 ก กF * $ * = G 865 - E+$ 9 8E$ # ก " $ (" + 5" @88 $PI$ (" %&" ก ' (" + $8 ก / /5 H8 ก G* ก- +) ( %&" ก ' (" ) % ( $ + 5 ! ก # G ก ' 9 8E$ " $ % ( ก # G ก ' + 9 ก " " $! "- ( ! " ก %&" G


-40ก ก : %&" G # -) PU $-( 4 J 4 " ก 10 + + 20 ก - 2540 %&" ก ' (" ) ก % " ก ก 9 * G 21 Q ! $ $ ก ' 200,000 + 6 2540 %&" ก ' (" / 4 $ ก! $ %&" G (" + + $5 $ - ( 8 ก 9 9 K #8 - ( + + 27 ก - 2541 9 $ ก " $ ก ( " $ %&" ก ' (" H $5" - 8 $ - ก* $ % ( ก $ $ก / 5' * & =G ก ) ก +$ % * C C ก ! " 9 " $ % ( ) $ 200,000 * " ( ก 4 " 7.5 Q ( 2540 8 HE$ PU $ 23 ( J %&" G5 - ( * $ 23 ( ( ก 4 28,750 5 ! " $- 9 ) $ 228,750 * " ( ก 4 " 7.5 Q 5 $ " $ 200,000 H (8 ก PU $8 ก 8 ) @8 ! "ก & -( 4 (" ก (5E4 ! 5 J 4 " %&" G8E$ ) 8PU $ -( J 4 " 5 ! " กPU $ ! "# $ %& ' @ " ก (" 5 $ 9 กF * $ * = G " " + 4 ก ) ( % G $M ก &ก-" " ก6 ก $M $ 9 +ก /$ *9 * + * 8 = ก

ก ก (5E4 + 9 $ ก = ) ก$ 9 +ก /$ *9 & -( 48E$ (" ก (5E4 ! 5 J 4 " 4 ;3 !4 & 3"" , >?, - (* !4 &

ก 1' & ก $ ! *ก % ก . . + : " ,;! '* ' H , ก ก31' * '*4 4 ; ก $ ! *& , H ,. . + 4 " ,;! ' * ' ( " %&"ก ก5" - $! ! -) 5 ก ! "%&" ก ' $ + ! ก ( $ก ! 6 %&"5 ก ' " $ ก 4 ! " 9 DE+$ ) ก$ & +ก /$ *9 * 8 = -) 5 ก กก # G ก ! " ' , % ก .* ก $ ! * " , ก '& % " ,;! '* ' ก %98 1' !4 . + ' % ก '& % : &* +" ,;! '* ' ก0;4,; ,' ! %&" G8E$ ) 8PU $-( 4 J 4 " (J 8 $ ( () (" กF # * 8 = - * $ 4 (1)


-41ก ก : %&" ก ' PU $ ) $ /5' * $ก & =G 5@$ $( ! 5= ) ก - 8"$ * G - -- ( ก 11 + + 14 - 2539 %&" ก ' (" + -) 5 ก 9 ( / - -!(M 9 ก กก # G ก ! " + 14 - 2540 DE+$ ก $ % ! " $- & %&" ก ' 7 - *Sก G + $ 8 ก - - ( &$ " (! $ " $ 5" ก ก ! $* %&" ก ' 5 $ 9 K # ) ก ก ก ก %&" ก ' ( " $ + $8 ก%&" ก ' ก C(5" - 8 $ - -( $ก DE+$ ก 9 &"8 ก I( ) (" ก6 $ $ก * G5 $ $* %&" ก ' ("! " (ก * G%&" 8 ก %&" ก ' 7 - " 3 Q -- ( &$ " 2 Q ก PU $ ) $ /5' * $ก & =G 5@$ $( ! 5= ) ก - 8"$ * G - -- ( &$ ! "# $ %& ' @ * ก + $ -) +$ ก5 $J 4 -$ PI$ (" * $ %&"8 ( $ %&"- - $ ก 4 " ก +8 PI$ (" ก 4 ก + "8 $ H&ก " $ 4 %&" " $ ก 8 " $ ) * &8 G J ก 4 E+$ ! + J (" ก 8 ก%&"!( " 8 " $PI$ ก 4 ก + "8 $ H&ก " $ " 8 กF " " $* &8 G ) $ * G $* + 9 5 ! "J 4 " -) +$ ก 8 ก $* 4 กF ก " " $* &8 G- "8 $ - H&ก " $ + %&" ก ' PU $ ) %&" ก ' /5' * $ก & =G 5@$ $( ! 5= ) ก - 8"$ * G - -- ( &$ ก !( 9 ' ! ก * &8 G $ * G + / %&" ก ' - -- ( &$ 4 "8 $ H&ก " $ .8 , 4, , 0C 7+ D )' . 1'

0C 7 H ก ! * ก ; 8 ( +; , ( +:'. ก ! . 8 :; ;3 !4 - , 0C 7 0 " ,0+ 9 ก* , & 3"" ," ,1.4 " >?,1' !4 ก 1' :; + '0ก40C 7 * !" ก * . , 0C 71! " ,


-42ก ก : 1. ก ! " # ก " $ ก *" ก) ( E+$ ( 9 & 8 ก " $ (" 9 " $! "- ( ก %&" G 2. /-- ( $ก 5 $ ก ก 12 + + 3 / - 2538 %&" ก ' (" ) ก ก 9 ( $ก 4 - - * G 8 /5' * 20 Q $ $ ก ' 100,000 - * + % G /** ' * ( 4 $H $ $ ก ' 200,000 - ก ' ก) ( 20 Q $ $ ก ' 100,000 - * + % G *E$ (" + $8 ก / / $ $ ก ' 200,000 + - ก) ( ) 4 ก %&" ก ' ) 4 ก ! " ก 9 ก # G ก 8E$5 ( / + 17 # - 2539 %&" ก ' ("5 / ก # G ก ( $ก ( (" ) 4 ก ก ก (! $ $ /5' *ก ก 5 $ 9 /5' * ก 9 (" /ก # G ก

! "%&" ก ' " + 4 ก/ ' * #G 2540 %&" ก ' (" / / H G < + %&" G (" + 5 + $! " 9 ) - ( 9 K #ก

) - ( (" ก " $ ก + + 11 2540 ( " $ ! $ +%&" ก ' ("5 /ก # G ก ( ("ก ก (! $ $ /5' *ก /-- %&"DE+$ %&" ก ! " ) ก ก 9 /5' * ก %&" ก ' (" 7 * ก ก & + $* %&" ก ' 8"$- 8 $! " 9 - 7 - ก (" ก ก +- ก + + 11 ก - 2537 + + 2 HE$ + 27 # - 2539 ก " ก + $8 ก( + / ก 5" ก + $* ) $ 7 " $ 9 ( /-- ( $ก 5 $ 9 + & 8 ก " $ ก 4$ + 17 # - 2539 " $H 9 & 8 ก " $! ( $ก (" + $8 ก 5 $ 9 (" $ + * ! $ $ /5' * ! $ + - ! "# $ %& ' @ 1. 8 ก5" ) 5 $%&" G กK5" @88 $ 9 (" ( ($ ก $ !( %&" ) 8 ) ก 9 (" ก +,$8 - C : ; , 8 , (& C0+ ก: , $ ! !!4 1' , 4 % ก 1! 0 4 % ,1.4C >?,!4 , % ก - * !0 & , ก ("- 8 ก* 5 $ 9 ก- /-- ( $ก * $ " %&" ก ' ! " ก 9


-43 ) 8 $ 9 $ ( " $ ก! @8 $ + - 8E$8 %&ก* 9 ( $ 4 5" @88 $8E$PI$ (" /-- ( $ก * $ ก ! %&" ) 8 ก ' 5 $ 9 DE+$ * ก *.J.2535 5 ("! "-) 8) ก ( - 5 $ ก - %&"DE+$ ! " ) ก ก ! " /-- ) ก ก 71 - E+$ ก 8 ) ก ! 5 $ (" + (" ) 8 $ 8 ก %&" G (" ) /-- ( $ก ก %&" (" ) 8 $ 8 ก 9 ! " ) ก ! 5 $ 9 (" 4 /-- ( $ก 8E$ * $ ! ก %&" ก ' " + ก ! "%&" + ) ก ก 9 4 ! ! ก ) ก 5 $ 9 8E$ ! 5 $ 9 กF * $ * = G ก + /-- ( $ก (" - 8 5" - 8 $5= ) $ $ /5' * %&" ก ' !8 - 7 - ก ก " ก + $8 ก( + / ก (" ก & + $* 8 H 9 (" - 8 $( $ก (" (" 2. 9 (" ) $8 ก%&" ก ' 9 (" 8 ก6 ก + ก /5' *5 $%&" ก ' +ก * !" .8 ! 24 . . 2540 %&" ก ' ก C(5" - 8 $ - 7 - ก ก " ก + $8 ก( + / ก ก 9 - 8 $ก@8 /ก # G ก ก %&" ก ' ( %&" G ) ก " $ ( $ 4 ก +%&" ก ' &" & - ก C( % 5" - 8 $ + 88&$!8! " 9 K # ) ก 4 ก ' &$5E4 ) ! " ก $%&" ก ' ก 9 กF * $ * = G 865 - E+$ ก+ , ก $ ! * .8 ! 11 . 2540 " , - ก ก+ , : ก ; '; , '8 0*4 . + " ก+ ,1' 0+ ! ก 8E$ 9 " $! "- ( ก %&" G





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