Plan highlights
A high lump-sum limit covering 13 categories
An inpatient treatment limit of up to THB 60 million (plan 1) or THB 120 million (plan 2) per policy year, covering the 13 treatment categories subject to the policy conditions
Two room levels to choose from
Choose a room rate of THB 15,000 or 25,000 a day · ICU room charges are paid as incurred, for up to 365 days per admission
Continuing care for serious illness
Covers chemotherapy, radiotherapy, targeted therapy and dialysis, subject to the policy conditions
Choose your territory of cover
Choose Thailand only, Asia, worldwide (excluding the United States) or worldwide, according to your lifestyle and travel
Extended cover included in the plan
The plan already includes outpatient (OPD) benefits, an annual health check, vaccinations and dental treatment — no separate rider is needed (some items apply to plan 2 only)
Tax deductible · open to a wide age range
The health portion of the premium is deductible from personal income tax under Revenue Department rules. Entry age 11–80 years, renewable to age 98.
Levels of cover
Choose the room level that matches 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 (VP1) | 15,000 | 60,000,000 |
| Plan 2 (VP2) | 25,000 | 120,000,000 |
Comparing the 13 benefit categories
The benefit category structure follows the New Health Standard for health insurance contracts
| No. | Benefit | Plan 1 (VP1) | Plan 2 (VP2) |
|---|---|---|---|
| 1 | Room, board and hospital services (inpatient), up to 365 days · ICU rooms paid as incurred | THB 15,000/day | THB 25,000/day |
| 2 | Medical services for diagnosis and treatment, blood, nursing, medication, intravenous nutrition and medical supplies (including take-home medication, up to 30 days) | As incurred | As incurred |
| 3 | Doctor's fees (inpatient), up to 365 days | As incurred | As incurred |
| 4 | Surgery and procedures | As incurred | As incurred |
| 5 | Major surgery not requiring an inpatient stay (day surgery) | As incurred | As incurred |
| 6 | Diagnostic tests within 30 days before and after a hospital stay, or continued outpatient treatment within 30 days | As incurred | As incurred |
| 7 | Outpatient treatment following an accident, within 24 hours | As incurred | As incurred |
| 8 | Rehabilitation medicine after a hospital stay (per policy year) | As incurred | As incurred |
| 9 | Haemodialysis (chronic kidney failure) | As incurred | As incurred |
| 10 | Cancer treatment by radiotherapy, interventional radiology and nuclear medicine | As incurred | As incurred |
| 11 | Cancer treatment by chemotherapy (including targeted therapy) | As incurred | As incurred |
| 12 | Emergency ambulance services | As incurred | As incurred |
| 13 | Minor surgery | As incurred | As incurred |
Extended cover — already included in the plan
These benefits form part of the plan by endorsement and are already included — no separate rider is needed.
| Item | Plan 1 (VP1) | Plan 2 (VP2) |
|---|---|---|
| Outpatient treatment and physiotherapy | THB 50,000/year (up to 30 visits) | As incurred (up to 365 visits) |
| Alternative medicine | — | THB 30,000/year |
| Annual general health check | — | THB 10,000/year |
| Vaccinations | — | THB 5,000/year |
| Dental treatment | — | THB 10,000/year |
| Medical devices and prosthetics | THB 100,000/year | THB 200,000/year |
Key conditions
- Entry age 11 – 80 years, renewable to age 99 (cover continues to age 99)
- This is a rider and must be attached to a main life policy (it cannot be added later)
- The minimum sum insured required to take this rider is THB 100,000
- The territory of cover can be Thailand only or worldwide (the premium varies by territory and occupation)
- The health insurance premium is deductible under Revenue Department rules [check the latest criteria]
Estimate your premium
Choose gender, plan and age to see the approximate monthly, quarterly, semi-annual and annual premium.
Entry age 11–80 years
Monthly
3,652
THB
Quarterly
10,957
THB
Semi-annual
21,102
THB
Annual
40,581
THB
Note: Premiums are estimates for educational purposes, based on the September 2021 rate schedule, occupation classes 1–2 and cover within Thailand only. Semi-annual, quarterly and monthly premiums are approximated from the annual premium. Actual figures depend on occupation, territory of cover and underwriting. Please confirm with an agent before deciding.