Accident Insurance Thailand

The Ultimate Guide to Accident Insurance in Thailand

Looking for comprehensive accident insurance in Thailand? You've come to the right place! At CheckDi we offer affordable accident insurance in Thailand starting from just 499 baht per year. This guide will walk you through everything you need to know about Thai accident insurance from coverage details to application processes and money-saving tips.

What is Accident Insurance in Thailand?

Accident insurance in Thailand also known as Personal Accident (PA) insurance provides financial protection in case you're injured or killed in an accident. It's designed to help you and your family cope with unexpected costs arising from accidents offering peace of mind and financial security in the bustling streets of Bangkok or the serene beaches of Phuket.

Why Do You Need Accident Insurance in Thailand?

Thailand's vibrant culture and diverse landscapes come with their own set of risks. Whether you're navigating busy city traffic exploring remote islands or simply going about your daily life accident insurance in Thailand offers crucial protection. Here's why it's essential:

• High traffic accident rates in Thailand
• Coverage for adventure activities popular among tourists and expats
• Financial protection against unexpected medical costs
• Peace of mind for you and your loved ones

Types of Accident Insurance Policies in Thailand

Thai accident insurance comes in three main types each offering different levels of coverage:

1. BOR 1 or AI (Accidental Indemnity)

The most comprehensive accident insurance in Thailand covering:

• Life and loss of organs
• Surgery and hospitalization compensation
• Income compensation
• Disability benefits

2. BOR 2 or ADD (Accidental Death and Dismemberment)

Provides benefits for:

• Accidental death
• Loss of organs or dismemberment

3. BOR 3 or ADB (Accidental Death Benefit)

Covers only accidental death

What Does Accident Insurance in Thailand Cover?

Standard Coverage in Thai Accident Insurance

• Death and Dismemberment Benefit
• Murder and Assault Benefit
• Medical Expenses Benefit (typically 10% of the insured amount)
• Room & Board Compensation

Special Considerations for Thailand

• Motorcycle Coverage: Given the popularity of motorcycles in Thailand many policies offer specific coverage for motorcycle accidents. However this may be limited or excluded in some cases.
• Adventure Sports: Some policies may offer coverage for popular activities in Thailand like scuba diving or rock climbing often as an add-on.

What's Usually Not Covered by Accident Insurance in Thailand

• Illnesses or diseases
• Self-inflicted injuries
• Injuries from illegal activities
• Injuries while under the influence of alcohol or drugs
• Injuries from war or terrorism (unless specifically covered)
• Injuries from professional or extreme sports (unless specifically covered)

How Much Does Accident Insurance Cost in Thailand?

Accident Insurance in Thailand is surprisingly affordable with premiums starting from just 499 baht per year. The cost varies based on several factors:

• Coverage amount (typically ranging from 100 000 to 3 0 000 baht)
• Age and occupation of the insured
• Type of policy (BOR 1 BOR 2 or BOR 3)
• Additional coverages selected

For high-net-worth individuals or those seeking maximum protection we offer premium coverage options up to 30 0 000 baht.

How to Choose the Best Accident Insurance in Thailand

1. Assess your needs: Consider your lifestyle activities and potential risks in Thailand
2. Compare policies: Look at coverage limits exclusions and premiums from different providers
3. Check the insurer's reputation: Research customer reviews and claim settlement ratios
4. Understand the claim process: Ensure you're comfortable with how to make a claim if needed
5. Consider add-ons: Look for policies that offer relevant additional coverage such as for adventure sports or extended motorcycle use

How to Apply for Accident Insurance in Thailand

1. Choose a plan: Select the accident insurance policy that best fits your needs
2. Apply online: Use our website or contact our Customer Service Representative for assistance
3. Submit documents: Provide a copy of your Passport with a Verified Signature
4. Pay the premium: Complete the payment to activate your coverage
5. Receive your policy: Your insurance card and policy documents will be delivered within 7-10 business days

Frequently Asked Questions About Accident Insurance in Thailand

How do I make a claim on my Thai accident insurance policy?

Submit the required evidence to your insurance company within the specified timeframe (usually 30-180 days depending on the type of claim). Contact your insurer immediately after the accident for guidance on the specific process.

Can foreigners buy accident insurance in Thailand?

Yes many insurance providers in Thailand offer accident insurance policies to foreigners including tourists expats and long-term residents. Some policies may have specific terms for non-Thai residents so always check the details.

Does accident insurance in Thailand cover motorcycle accidents?

Given the prevalence of motorcycle use in Thailand many accident insurance policies do include coverage for motorcycle accidents. However the extent of coverage can vary and some policies might offer it as an add-on. Always check the specific terms of your policy.

Are dental injuries from accidents covered by Thai accident insurance?

Many accident insurance policies in Thailand do cover dental injuries resulting from accidents. However the extent of coverage can vary so it's important to check your specific policy details.

Can I get accident insurance in Thailand if I have a pre-existing condition?

Yes you can usually get accident insurance even if you have a pre-existing condition. However any accidents or injuries related to that condition may not be covered.

Does Thai accident insurance cover me when I'm traveling outside of Thailand?

Many accident insurance policies in Thailand provide 24/7 coverage including when you're traveling abroad. However the extent of international coverage can vary so check your policy details or consult with your insurance provider.

How does accident insurance work with other types of insurance in Thailand like health insurance?

Accident insurance can complement your health insurance. While health insurance covers your medical expenses accident insurance can provide additional benefits like lump-sum payouts for specific injuries or death which can help cover other expenses or income loss.

Remember at CheckDi we're here to help you understand your policy and find the best accident insurance in Thailand that fits your needs. Don't hesitate to reach out if you have any more questions about protecting yourself in the Land of Smiles!

Steps in Applying for Personal Accident Insurance

Buying personal accident insurance in Thailand is simple & easy

To apply for accident insurance we will need the documents from you as below (This applies to every insurance companies) :

1. Apply via our website or contact our Customer Service Representative for Application form.
2. Submit Copy of Passport with Verified Signature.
3. Pay the Invoice Premium
4. You’re Covered.
5. Original Policy and Card will be delivered to your specified address in 7-10 business days by Registered EMS.

*Some insurance companies require Work Permit and Visa Stamp. Others only require Application form and Passport Copy with Verified Signature.

You can send addtional documents to us by LINE Chat with us or by Email support@checkdi.com

FAQs

What is covered with my Personal Accident Insurance?

Coverage for accidents death and dismemberment benefit murder or assault benefit and riding at the back of a motorcycle as a passenger benefit. There is also medical expenses cover depending on the personal accident coverage you choose?

Is there a medical expenses benefit?

This depends on what Personal Accident insurance you choose to purchase but most of our personal accident insurance plans have cover for medical expenses as this is one of the main covers for this type of insurance.

If I get murdered or Assaulted would I get the full amount specified in the Death and dismemberment benefits ?

There is a specified amount for Murder and Assault on your policy. The insurance company will pay this amount to your beneficiary stated on the policy therefore the stated beneficiary should be your family member and shouldn't be anyone else.

If I’m a passenger in a motorcycle accident will I be covered?

Yes most plans have cover for this however some insurance companies will not have a cover for any passangers riding on the motorbike. Please check and study each plan carefully

Until what age can I renew my Personal Accident Insurance?

Most insurance companies have an age cap when it comes to personal accident insurance so be sure to ask your agent until when you can renew. This solely depends on what insurance company you choose.

If I die who will get the money?

Your beneficiary will be the one to claim for the money. She/he will have to claim the amount to the insurance company and she/he will be given the amount specified in your policy.

If I’m drunk or under the influence will I still be covered??

Any accidents that are a result of the insured being negligent (Like Driving under the influence or doing sports under the influence) will not be covered.

Is there a waiting period?

TNo unlike Health insurance there is no waiting period in Personal Accident Insurance.

What is the condition of residence?

Clients applying for personal accident insurance must be residents of Thailand.

Can I visit a hospital of my choosing?

Yes you are free to choose any medical provider you are comfortable with. However each insurance company has a network list if you go to a hospital or clinic that is not on their list you would have to pay first and get reimbursed.

If I apply now when will I get my documents?

Application process is different for everyone the process can take longer if you have pre-existing conditions. Application process is 3-4 days and once you sign the offer letter the Card and Policy will be sent to your specified address within 7-10 business days.

How to contact you ?

You can always call us at our Hotline : 02-985-9000 or Chat with us LINE@ @checkdi or Email us : support@checkdi.com

Office hours Mon-Fri : 08:00 - 17:30

Benefits of Personal Accident Insurance

Personal Accident insurance is different from Health Insurance. Health Insurance will cover you for any illness or accident while Personal Accident Insurance will only cover you for accidents. In the event that the insured will suffer an accident or disability. The insurance company will give a cash benefit to the insured or to the beneficiary. Some Personal Accident Insurance policies also have cover for Medical expenses should an accident occur.

Personal Accident insurance in Thailand is quite simple the types are dependent on age or occupation. Should your occupation be more dangerous than normal then your premium will also increase. For clients over the age of 60 some options are also available to you. Unlike Health Insurance you cannot remove or add benefits whatever is included in the coverage is fixed and final.

Main Benefits of Personal Accident Insurance :

Death and Dismemberment Benefit

An accidental death and dismemberment coverage will pay benefits to the beneficiary if the cause of death or dismemberment is an accident. This is somehow a limited form of life insurance covering only accidents. surance which is generally less expensive

Murder and Assault Benefit

Murder and Assault benefit will benefit the beneficiary if the insured is murdered or assaulted. The amount specified for this benefit is different from the death and dismemberment. The benefit for this is usually lower than the insured amount.

Riding at the back as a passenger in a motorcycle Benefit

The coverage for riding at the back as a passenger in a motorcycle is usually specified in a different section. This amount is usually lower than the insured amount. This will give benefit to the beneficiary if the insured dies as a passenger in a motorcycle accident.

Medical Expenses Benefit

Medical expenses benefit is usually 10% of the insured amount although some insurance companies have made their own policies that cover more for medical expenses. This coverage will benefit the insured person should an accident result to an injury that requires hospitalization.

To find the best plans for yourself you must always compare between available plans and options and also take a look at the terms and conditions from both of the insurance companies and the OIC thoroughly.

Types of Travel insurance in Thailand

Travel Insurance is a must for anyone traveling the best way to be safe for unforeseen expenses is to be insured. There are so many stories about travellers getting stuck in a place that is not their home because of huge medical bills they cannot pay. The best way to travel is to travel with peace of mind.

Outbound Travel Insurance (Medical Only) - Going out of Thailand

Outbound Travel Insurance means you are going out of your country of residence (Thailand). This type of insurance will include Personal Accident Cover for Death and Dismemberment and Medical Expenses for illnesses and injuries.

Outbound Travel Insurance - Going out of Thailand

There is also a more comprehensive Outbound Travel Insurance that covers more than just Death and Dismemberment and Medical Expenses for Illness and Injuries. This type of Travel Insurance will have coverage for Medical Evacuation Repatriation Repatriation of Mortal Remains Trip Postponement Trip Cancellation. Some policies also cover loss of money loss of baggage. This type of insurance is tailor made for travelers and provides coverage for some of the unfortunate events that might occur when traveling.

Inbound Travel Insurance - Coming to Thailand

Inbound Travel Insurance covers you in Thailand. If you are a tourist and you are only here for a short period of time this is what is recommended for you. Clients usually ask about health insurance for 2 months or 3 months only but Health Insurance contracts are only annual. If you are in Thailand for a vacation or a short business trip this is the insurance for you.

To find the best plans for car and yourself you must always compare between available plans and options and also take a look at the terms and conditions from both of the insurance companies and the OIC thoroughly.

Steps to buy Outbound Travel Insurance in Thailand

Buying outbound travel insurance is simple & easy

To apply for outbound travel insurance you can buy them directly online and get your purchased policies via Email :

1. Apply through our website or contact a customer service representative.
2. Pay Invoice Premium
3. You’re covered.
4. The original documents (policy) will be sent to your email.

Buying inbound travel insurance is simple & easy

To apply for inbound travel insurance the steps will be as below :

1. Apply through our website or contact a customer service representative.
2. Submit a copy of your Passport or National ID. (Not all companies require this this is only required for Inbound Travel Insurance)
3. Pay Invoice Premium
4. You’re covered.
5. Your coverage policy will be sent to your via E-mail if you are applying for Annual insurance a card may be sent to your specified address depending on the company.

You can send addtional documents to us by LINE Chat with us or by Email support@checkdi.com

FAQs

Do I really need Travel Insurance?

Travel insurance is a way for you to have peace of mind you can be the most careful person in the world but traveling is unpredictable and it's better to be safe than sorry.

Why do I need Travel insurance when I already have Health insurance?

Some health insurance companies cover trips outside your country only for 30-60 days if you are going to be gone for more than that then the smart thing to do is buy extra travel insurance for the days over 30 or 60 days.

I have travel insurance with my credit-card but I want to have more coverage Can I used this together with my credit-card insurance?

Yes if in any case you go over your insurance limit the extra travel insurance will be useful.

Is there a hotline for emergencies?

Yes every insurance company is required to have a Emergency hotline both Outbound and Inbound.

How do I claim for medical expenses while overseas?

Be sure to keep all receipts and medical certificates when traveling as the only way to claim for medical expenses is to submit these to your insurer. We will help you claim for these as long as you have the complete documents.

What If I lose my baggage will I be covered for that?

Each policy is different if you want coverage for your belongings you can pick a plan that covers that if you want a plan that only covers medical you can also do that. It depends on what plan you choose.

What If I don’t have a police report will I still be able to claim?

All insurance companies require police reports when claiming for loss baggage or belongings this is to avoid Insurance Fraud.

How long until I get my l policy ?

For both outbound and inbound travel insurance most companies on our website are instant. So after you make a purchase you will get the an email from us with the policy and the reciepts instantly. However for some other insurance companies we will send them to your email within 1 working business day.

How to contact you ?

You can always call us at our Hotline : 02-985-9000 or Chat with us LINE@ @checkdi or Email us : support@checkdi.com

Office hours Mon-Fri : 08:00 - 17:30