Accident insurance at THB 159 per year, income compensation of THB 200 per day
- Published: 14 October 2026
Accident insurance at THB 159 per year, income compensation of THB 200 per day
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premium from THB 159 per year, including stamp duty
Key feature: THB 100,000 of accident cover, plus income compensation of THB 200 a day when an injury puts you in hospital
You are paid by the day, so a day off work is a day's income lost. If an accident puts you in hospital for several days, social security may help with the medical bills, but nobody makes up the income you lose.
How far can accident insurance at THB 159 a year help with this, and how does it differ from the 222 plan?
Accident insurance 159: who is it for, and what does it cover?
In short: Bangkok Insurance's Accident insurance 159 suits Thai nationals aged 20–60 who already have cover for medical treatment and want a cash benefit when an injury puts them in hospital. It covers accidents up to THB 100,000 (THB 50,000 for murder, assault, or riding or riding pillion on a motorcycle), pays income compensation of THB 200 a day for up to 30 days, and pays THB 5,000 towards funeral expenses for death from illness. Premiums start at THB 159 per year (as at 14 October 2026).
What does Accident insurance 159 cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Death, loss of hands, feet or sight, or total permanent disability from an accident | 100,000 | Excluding murder, assault and riding or riding pillion on a motorcycle |
| The same, from murder, assault, or riding or riding pillion on a motorcycle | 50,000 | – |
| Income compensation when an accidental injury puts you in hospital | 200 per day | Up to 30 days |
| Funeral expenses for death from illness | 5,000 | 120-day waiting period |
| Medical expenses from an accident | Not covered | – |
How much is the premium for Accident insurance 159?
The premium is from THB 159 per year, including stamp duty (as at 14 October 2026), for 1 year of cover. The actual premium is as stated in the quote and subject to the insurer's underwriting decision.
Worked example: how much do you get for 10 days in hospital after an accident?
- Income compensation: 200 × 10 = THB 2,000
- If you buy 2 policies (the most you can buy): 200 × 10 × 2 = THB 4,000, for a total premium of 159 × 2 = THB 318 per year
- If you are in hospital for 40 days, compensation is paid for at most 30 days: 200 × 30 = THB 6,000 per policy
This example is for illustration only. The amount actually paid depends on the insurer's claim assessment. The rule of thumb: this plan pays a cash benefit, not your medical bills.
Who is Accident insurance 159 for?
- Day workers or freelancers whose income stops while they are in hospital
- People who already have cover for medical treatment, such as social security or employee benefits
- People who want basic accident insurance on the smallest budget
Who should not buy this plan yet?
- People who want accident medical expenses: this plan has none. See Accident insurance 222, which covers medical expenses up to THB 5,000
- People who ride a motorcycle, or ride pillion, every day and are counting on the THB 100,000 sum insured: a motorcycle accident pays THB 50,000
- People who want a high accident sum insured: see Happy PA accident insurance
- Anyone under 20 or over 60, or who is not a Thai national
Limits to check before you decide
- No medical expenses: it pays a daily cash benefit only
- The daily benefit is paid for up to 30 days
- Murder, assault, or riding or riding pillion on a motorcycle pays THB 50,000
- Funeral expenses for death from illness have a 120-day waiting period
- You can buy at most 2 policies. If you go over, the insurer of the later policy refunds its premium in full
How do Accident insurance 222, 159 and Happy PA differ?
| Plan | Premium from / accident sum insured | Key difference |
|---|---|---|
| Accident 159 | THB 159 / THB 100,000 | Income compensation of THB 200 per day, no medical expenses |
| Accident 222 | THB 222 / THB 100,000 | Accident medical expenses of THB 5,000, no daily benefit |
| Happy PA | THB 770 / THB 500,000–3,000,000 | High sum insured, includes motorcycle riding and assault, with the option of medical expenses at 10% of the sum insured |
The first two plans accept Thai nationals aged 20–60 and pay half the sum insured for riding or riding pillion on a motorcycle. Happy PA accepts ages 16–60, only for occupations based mainly in an office. If you still can't decide, work out whether you need medical expenses, compensation when you can't work, or a large lump sum for your family, then choose the plan that meets that need.
Want to buy, or want help choosing? What do you need to send?
Send just 2 things
- Date of birth of the person to be insured
- Your occupation and any accident insurance you already have (if any)
Our team will reply within a business day to tell you whether the 159 plan, the 222 plan or Happy PA suits you better. If a plan is good value, we will tell you straight. If the conditions differ, we will explain the differences before you pay.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
If I'm injured but not admitted to hospital, do I get anything?
Income compensation is paid only when you are admitted as an inpatient, and this plan does not cover outpatient treatment.
Can I buy the 159 plan together with the 222 plan?
Send us your details first and our team will check the policy-count conditions with the insurer for you, because each plan limits how many policies one person can hold.
What is paid for death from illness?
THB 5,000 towards funeral expenses, once the 120-day waiting period from the start of cover has passed.
If I have an accident while driving a car, am I covered for the full sum insured?
In general, cover is up to the THB 100,000 sum insured. It drops to THB 50,000 only for murder, assault, or riding or riding pillion on a motorcycle.
How long does the cover last?
1 year. It must be renewed every year.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps coordinate and follows up for you.
Notes
The coverage and premium information on this page is based on the product information for Accident insurance 159 from Bangkok Insurance Public Company Limited as at 14 October 2026. It is general information and not part of the insurance contract. Premiums and conditions may change as announced by the insurer. Underwriting and claim payments are decided by the insurer. Prakanthai.com is a non-life insurance broker, not an insurer, licence no. 5104000004, providing services since 2004. Please read the policy and the quote in full before deciding.