Critical Illness Insurance Thailand | CheckDi

Secure your future with comprehensive critical illness insurance in Thailand. Compare affordable plans starting from just 1,500 baht per year and ensure financial protection against serious medical diagnoses.

Find the Best Critical Illness Insurance Plan for You

We make it easy to find affordable critical illness insurance in Thailand. Simply provide us with some basic information:

• Personal Details: Age, Gender, and any Pre-existing conditions
• Contact Information: Your phone number or email address
• Coverage Preference: Cancer only, or including Heart, Brain, Kidney, Liver, and Diabetes?

What is Critical Illness Insurance?

Critical illness insurance is a specialized type of coverage designed to provide financial protection in the event of a serious medical diagnosis. This policy offers a lump sum payment if you're diagnosed with one of the specific illnesses covered by your plan.

Consider it a financial safety net for life's unexpected health challenges. The payout from a critical illness policy can help alleviate financial stress during a difficult time, allowing you to focus on your recovery rather than worrying about expenses.

If you are looking for comprehensive coverage, we would recommend Health Insurance Thailand instead.

Coverage of Critical Illness Insurance

Different critical illness insurance plans cover various illnesses. Coverage can vary significantly between providers and plans. Here's an overview of what's typically covered:

Cancer

• Non-invasive Cancer and Invasive Cancer (different sum insured limits for each)
• Most policies cover every type of cancer

Heart Conditions

• Coronary artery disease
• Acute Heart Attack

Brain Conditions

• Cerebral Aneurysm
• Major Stroke
• Major Head Trauma

Kidney & Liver Conditions

• Major Organs Transplantation or Bone Marrow Transplantation
• Chronic Kidney Failure
• Chronic Liver Disease / End-stage Liver disease / Liver Failure
• Paralysis of the arm or leg muscle

Major Burns

• Less severe burns / Second-degree burns
• Severe burns

Diabetes

• Diabetic Retinopathy
• Diabetic coma
• Limb amputation
• Diabetic Nephropathy

Additional Benefits

• Home nursing care benefits due to severe illnesses
• Death Benefit Protection Agreement
• Loss of limbs, eyesight, or total permanent disability
• Death due to murder or assault (typically covered at 50% of the sum assured)

Note: This list is an example and may not reflect the exact coverage of each plan. Always read the full details of each plan to understand what's covered and what's excluded.

What's Not Typically Covered?

• Less severe forms of illnesses that don't meet the policy's definitions
• Pre-existing conditions you had before taking out the policy
• Injuries or illnesses resulting from drug or alcohol abuse
• Self-inflicted injuries
• Conditions diagnosed during the waiting period (usually the first 30-90 days of the policy)
• HIV/AIDS (including from blood transfusion or physical assault)
• Sexually transmitted illnesses

Choosing the Right Critical Illness Coverage

Consider these factors when selecting your coverage:

• Your family health history
• Your lifestyle and risk factors
• Your financial situation
• Your existing insurance coverage
• Your age

Get Expert Advice on Choosing Your Coverage

How to Get Affordable Critical Illness Insurance

1. Compare quotes from different providers
2. Buy young: The younger and healthier you are, the cheaper your premiums will be
3. Quit smoking: Non-smokers typically get better rates
4. Choose a higher deductible if you can afford higher out-of-pocket costs
5. Review your policy regularly to ensure you're not over-insured

Cost of Critical Illness Insurance in Thailand

Critical illness insurance in Thailand can start from as low as 1,500 baht per year. Factors affecting cost include:

• Your age
• Your health condition
• The amount of coverage you choose
• The number of illnesses covered
• Your lifestyle (e.g., smoker vs. non-smoker)

Who Should Consider Critical Illness Insurance?

Critical illness insurance is particularly valuable for working professionals, families with dependents, self-employed individuals, and anyone without comprehensive employee benefits. It's especially important if you have a family history of cancer, heart disease, or stroke, as these conditions can create significant financial burdens beyond medical expenses.

Essential Documents Checklist

• Valid Thai ID card or passport
• Recent medical examination report (if required)
• Employment certificate or income proof
• Bank account details for premium payments
• Beneficiary information and documentation
• Completed application form with accurate health declarations

Additional Common Questions

What happens if I'm diagnosed with multiple critical illnesses?

Most policies pay out once for the first qualifying diagnosis. Some advanced plans offer multiple payouts for different illness categories.

Can I change my coverage amount after purchasing?

Some insurers allow coverage increases on policy anniversaries, typically requiring updated health information and possible medical underwriting.

How does critical illness insurance differ from health insurance?

Health insurance covers medical treatment costs, while critical illness insurance provides a lump sum payment upon diagnosis of covered conditions, regardless of treatment expenses.

Steps in Applying for Critical Illness Insurance

Buying Critical Illness Insurance in Thailand is simple & easy

1. Apply via our website or contact our Customer Service Representative for an Application form.
2. Pay the Invoice Premium
3. Sent in an application form.
4. Wait for Accepting Letter.
5. You are is now Covered.

You can send additional documents to us by email at support@checkdi.com

Frequently Asked Questions

How long does it take for a critical illness insurance policy to pay out?

Payout times can range from a few days to a few weeks, depending on the insurer and claim complexity.

Can I get critical illness insurance if I work in a high-risk occupation?

Yes, but your occupation may affect your premiums or policy conditions. Some high-risk occupations might have exclusions or higher premiums.

Will my critical illness insurance premium increase as I get older?

This depends on the policy type. Some have fixed premiums, while others may increase with age.

Is critical illness insurance tax-deductible in Thailand?

In many cases, yes. Premiums can often be used as a tax deduction in Thailand, up to certain limits. Consult a tax professional for the most current information.

Can I add my family members to my critical illness insurance policy?

While most policies are individual, some insurers offer family plans or allow you to add riders for family members.