Four levels of cover
Choose the level that matches the room rate of the hospital you intend to use. The maximum total benefit per policy year varies by plan.
| Plan | Room rate per day (THB) | Maximum benefit per policy year (THB) |
|---|---|---|
| Plan 1 | 2,000 | 1,000,000 |
| Plan 2 | 3,000 | 5,000,000 |
| Plan 3 | 6,000 | 15,000,000 |
| Plan 4 | 12,000 | 30,000,000 |
Summary of the 13 benefit categories
The benefit category structure follows the New Health Standard for health insurance contracts
| No. | Benefit | Amount |
|---|---|---|
| 1 | Room, board and hospital services (inpatient) | Paid by plan at THB 2,000 / 3,000 / 6,000 / 12,000 a day (up to 365 days) — in an intensive care unit (ICU), paid as incurred |
| 2 | Medical services for diagnosis or treatment, blood, nursing services, medication, intravenous nutrition and medical supplies | As incurred — for sub-category 2.4 (take-home medication and supplies 1) only: plans 1–3 are limited to THB 20,000 per admission (up to 7 days), while plan 4 is as incurred |
| 3 | Doctor's fees (inpatient) | As incurred, up to 365 days |
| 4 | Surgery and procedures | As incurred |
| 5 | Major surgery not requiring an inpatient stay (day surgery) | As incurred |
| 6 | Diagnostic tests within 30 days before and after a hospital stay, or continued outpatient treatment within 30 days (up to 2 visits) | As incurred |
| 7 | Outpatient treatment following an accident, within 24 hours | As incurred |
| 8 | Rehabilitation medicine after a hospital stay (up to 2 courses per policy year) | As incurred |
| 9 | Medical services for chronic kidney failure treated by haemodialysis | As incurred |
| 10 | Medical services for cancer treatment by radiotherapy, interventional radiology and nuclear medicine | As incurred |
| 11 | Medical services for cancer treatment by chemotherapy (including targeted therapy) | As incurred |
| 12 | Emergency ambulance services | As incurred |
| 13 | Minor surgery | As incurred |
Key conditions
- Entry age: 1 month – 80 years, renewable to age 98 (cover continues to age 99)
- This is a rider and must be attached to a main life policy
- Plans with a deductible are available, giving a lower premium for those who already have other cover
- The health insurance premium is deductible under Revenue Department rules [check the latest criteria]
Deductible options
Choose the level of deductible you pay for each inpatient admission. The larger the deductible, the lighter the premium — suited to people whose employee benefits or group insurance already cover the first portion.
0THB
No deductible
The insurer covers treatment as incurred from the first baht, subject to the policy conditions
30,000THB / admission
Deductible of 30,000
You pay the first THB 30,000 of each inpatient admission and the insurer covers the rest, which lowers the premium
50,000THB / admission
Deductible of 50,000
You pay the first THB 50,000 of each inpatient admission — suited to those with partial cover elsewhere
100,000THB / admission
Deductible of 100,000
You pay the first THB 100,000 of each inpatient admission — suited to those with substantial group cover or employee benefits
The deductible applies to each individual inpatient admission. A deductible can be chosen at every room level (THB 2,000 / 3,000 / 6,000 / 12,000), except the THB 2,000 room plan, where options go up to THB 50,000. The options actually available are as set by the insurer — please ask an agent.
Estimate your premium
Choose gender, plan (room level) and age to see the approximate premium for the standard plan (no deductible) on an annual, semi-annual, quarterly and monthly basis.
Entry age Newborn–80 years
Monthly
1,358
THB
Quarterly
4,074
THB
Semi-annual
7,847
THB
Annual
15,090
THB
Note: Premiums are estimates for educational purposes, based on the standard plan with no deductible, occupation classes 1-2, under the September 2021 schedule. Plans with a deductible cost less. Semi-annual, quarterly and monthly premiums are derived from the annual premium using the insurer's factors. OP4 is an outpatient (OPD) rider and requires Health Fit DD. Actual figures depend on occupation and underwriting. Please confirm with an agent before deciding.
iA rider — a main policy is required first
Health Fit DD is ariderthat must be attached to a main life policy, so it is taken together with one, andthe main policy needs a minimum sum insured of THB 50,000
The total premium payable is the premium for the main policy plus the premium for this rider. The conditions and the minimum sum insured are as set by the insurer. Please ask an agent about a suitable main policy.