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
- Compare quotes from different providers
- Buy young: The younger and healthier you are, the cheaper your premiums will be
- Quit smoking: Non-smokers typically get better rates
- Choose a higher deductible if you can afford higher out-of-pocket costs
- 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)
