Plan highlights
An entry-level health plan that stays within budget
Designed for people who want to start health cover at an affordable premium, focused on inpatient treatment costs
An annual limit of up to THB 4 million
Choose an annual inpatient limit of THB 2, 3 or 4 million, according to the plan and the budget you can sustain
Covers inpatient (IPD) treatment
Covers the room, treatment, surgery, doctor's fees and diagnostic tests, subject to the conditions of each plan
An economical plan with a deductible
Plan 4 carries a deductible of THB 20,000 per admission in exchange for a lower premium — suited to those who already have other cover
Tax deductible
The health portion of the premium is deductible from personal income tax under Revenue Department rules
Open from children to adults
Entry age 1 month – 80 years, renewable to age 98, for long-term continuity of cover
Benefit table (13 categories)
Treatment cover under the New Health Standard, comparing plans 1–4
| Cover (in THB) | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Inpatient treatment (IPD) | ||||
| Category 1: room, board and nursing services (per day)ICU pays 2× (no more than 15 days) · up to 150 days in total | 2,000 | 3,000 | 4,000 | 4,000 |
| Category 2: diagnosis and treatment, medication and medical supplies (per admission) | 20,000 | 30,000 | As incurred | As incurred |
| • Take-home medication and supplies (supplies 1)Up to 7 days | 5,000/admission | 5,000/admission | Included in category 2 | Included in category 2 |
| Category 3: doctor's fees | As incurred | As incurred | As incurred | As incurred |
| Category 4: surgery and procedures | As incurred | As incurred | As incurred | As incurred |
| Category 5: major surgery without an overnight stay (day surgery) | As incurred | As incurred | As incurred | As incurred |
| Continued treatment / no admission required | ||||
| Category 6: continued treatment and diagnostic tests before and after a hospital stay (within 30 days) | 4,000 | 6,000 | 8,000 | 8,000 |
| Category 7: outpatient treatment following an accident (within 24 hours) | Not covered | Not covered | Not covered | Not covered |
| Category 8: rehabilitation medicine after a hospital stay | Not covered | Not covered | Not covered | Not covered |
| Category 9: dialysis (chronic kidney failure) | Not covered | Not covered | Not covered | Not covered |
| Category 10: cancer treatment by radiotherapy | Not covered | Not covered | Not covered | Not covered |
| Category 11: cancer treatment by chemotherapy | Not covered | Not covered | Not covered | Not covered |
| Category 12: emergency ambulance services | Not covered | Not covered | Not covered | Not covered |
| Category 13: minor surgery | Not covered | Not covered | Not covered | Not covered |
| Limits summary | ||||
| Deductible (per admission) | — | — | — | 20,000 |
| Maximum benefit per admission | 200,000 | 300,000 | 400,000 | 400,000 |
Based on the benefit table in the policy documents · “As incurred” means the actual cost is paid, up to the maximum limit per admission
Estimate your premium
Choose a plan, gender and age to see the premium and the cover limits (rates for occupation classes 1 and 2)
Entry age Newborn–80 years
Inpatient treatment limit per admission
200,000 THB
Room and board THB 2,000/day
Premium (Plan 1 · Male · 26 – 30 years · occupation class 1-2)
Monthly
644
THB
Quarterly
1,933
THB
Semi-annual
3,723
THB
Annual
7,160
THB
Roughly THB 597/month (the annual premium divided by 12, for comparison)
Rates shown are for occupation classes 1 and 2 (lower-risk occupations) · classes 3-4 carry a higher premium · the premium changes with your age band each year · this is a rider and must be attached to a main life policy · these figures are estimates for educational purposes and actual premiums and conditions follow the policy. Please confirm with an agent before deciding.
Key conditions
- This is a rider and must be attached to a main life policy
- It covers inpatient (IPD) treatment costs up to the limits and conditions of each plan
- New entry age 1 month – 80 years · renewable to age 98
- Rates vary by gender, age band and occupation class (this calculator uses classes 1 and 2)
- Plan 4 carries a deductible of THB 20,000 for each individual inpatient admission
- Waiting periods apply to certain conditions as stated in the policy
Frequently asked questions
Who is it for?
People starting health cover on a limited budget, focused mainly on inpatient treatment, or those who already have some cover and want to top up the treatment limit.
How do plans 1–4 differ?
They differ in the annual limit and the limit per admission (higher plans have higher limits). Plan 4 has the same limits as plan 3 but carries a deductible of THB 20,000 per admission, so the premium is lower.
What is the deductible on plan 4?
It is the first THB 20,000 of each admission that you pay yourself; above that the insurer covers costs up to the limit. It suits people whose other cover pays the first portion, and it makes the premium more economical.
Does the premium rise every year?
Health insurance premiums are set by age band, so as you move into the next band the premium rises according to the rate table.
Is the premium tax deductible?
The health portion of the premium is deductible under Revenue Department rules. We recommend checking the current criteria and limits before claiming.
This page is produced by an independent life insurance agent for general education. It is not an official page of any insurer. Health Fit Shield is a rider that must be attached to a main life policy. The actual benefits, premiums and conditions follow the policy and the sales documents. Tax deductions follow Revenue Department rules and your own circumstances. Please consult an agent before deciding.