Chubb PA Yen Jai personal accident insurance, hospital stay compensation, from THB 4,859
- Updated: 15 October 2026
Chubb PA Yen Jai personal accident insurance, hospital stay compensation, from THB 4,859
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 4,859–10,177 per year for a main insured in occupation class 1–2
Highlight: personal accident insurance with medical expenses and no need to pay upfront, income compensation for nights in hospital, and up to 3 children can be added
You ride a motorcycle to work every day. One fall can mean several days in hospital, and besides the medical costs you also lose income while you can't work.
Chubb's PA Rom Yen / Yen Jai personal accident insurance has 3 plans for adults, and you can add cover for children. How much does each plan cover, and what is the premium?
Chubb PA Yen Jai personal accident insurance: who is it for and how much is the premium?
In short: Chubb PA Rom Yen / Yen Jai personal accident insurance suits people aged 15–70 who want accident medical expenses with no need to pay upfront, and a daily cash benefit when they are in hospital, including when riding or being a passenger on a motorcycle. Accidental death cover is THB 500,000–2,000,000 and medical expenses are THB 50,000–100,000 per accident. Premiums start at THB 4,859 per year (as of 15 October 2026). The actual premium depends on the plan, age and occupation class.
What does Chubb PA Yen Jai personal accident insurance cover?
| Coverage | Plan 1 / 2 / 3 (THB) | Child (THB) |
|---|---|---|
| Death, dismemberment and total permanent disability from general accidents | 500,000 / 1,000,000 / 2,000,000 | 500,000 |
| Murder, assault or terrorism | 500,000 / 1,000,000 / 2,000,000 | 500,000 |
| Riding a motorcycle as driver or passenger | 250,000 / 500,000 / 1,000,000 | 250,000 |
| Accident medical expenses per accident (including motorcycles) | 50,000 / 100,000 / 100,000 | 5,000 |
| Funeral expenses from an accident | 20,000 on all plans | 5,000 |
| Income compensation for a hospital stay, per day (up to 30 days per year) | 1,000 / 2,000 / 2,000 | 500 |
| Income compensation for an ICU/CCU stay, per day (up to 30 days per year) | 2,000 / 4,000 / 4,000 | 1,000 |
| Treatment with no upfront payment (cashless) | Yes | Yes |
| Emergency roadside assistance, Silver plan | Yes | None |
The document also states cover for accidents on annual official holidays (including Saturdays and Sundays) and public accidents, within the limits in the policy.
How much is the premium for Chubb PA Yen Jai personal accident insurance?
Annual premiums. Data as at 15 October 2026, by age band of the main insured. Those aged 66–70 can renew up to age 75.
| Plan / group | Age 15–65 years | Age 66–70 years |
|---|---|---|
| Plan 1 · Occupation class 1–2 | 4,859 | 6,130 |
| Plan 2 · Occupation class 1–2 | 6,750 | 8,093 |
| Plan 3 · Occupation class 1–2 | 8,175 | 10,177 |
| Plan 1 · Occupation class 1–2 with children (up to 3) | 9,577 | 10,848 |
| Plan 2 · Occupation class 1–2 with children | 11,469 | 12,811 |
| Plan 3 · Occupation class 1–2 with children | 12,893 | 14,895 |
| Plan 1 / 2 / 3 · Occupation class 3 | 6,289 / 8,673 / 10,557 | 7,957 / 10,442 / 13,389 |
Every figure is a starting premium. The actual premium depends on the plan, age, occupation class, number of children and the insurer's underwriting decision. For occupation class 3 with children, the quote is what counts.
Worked example: Plan 2, a motorcycle fall and 5 days in hospital
- At age 35, occupation class 1–2, the Plan 2 premium = THB 6,750 per year, about 6,750 ÷ 12 = THB 563 a month on average
- Medical costs of THB 60,000 are within the limit of THB 100,000 per accident, and the no-upfront-payment service can be used
- Income compensation for a hospital stay: 2,000 × 5 days = THB 10,000
- If death is from riding a motorcycle, the Plan 2 limit is THB 500,000, half of the general accident amount
This example is for illustration only. The amount actually paid depends on receipts, medical documents and the policy conditions.
Who is Chubb PA Yen Jai personal accident insurance for?
- People who regularly ride or travel as a passenger on motorcycles, since the medical expenses and compensation include motorcycle accidents
- Freelancers or daily-paid workers who lose their income the moment they have to stay in hospital
- Parents who want to include their children in one policy, up to 3
- People aged 66–70 who are still looking for new accident insurance
Who should not buy this plan yet?
- People who want a premium in the hundreds of baht: see Personal accident insurance 159 or Happy PA accident insurance
- People who want medical expenses cover for illness: this plan is accident insurance.
- People who want the full death limit for motorcycle accidents: this plan pays half.
- People who want a high medical expenses limit for children: the children's medical expenses limit is THB 5,000 per accident.
Limits to check before you decide
- Motorcycle accidents pay half in the death and disability category: for example, Plan 3 pays THB 2,000,000 for a general accident but THB 1,000,000 for a motorcycle accident
- Income compensation for hospital stays is up to 30 days per policy year, for both normal rooms and ICU/CCU
- Medical expenses are a limit per accident: Plan 1 is up to THB 50,000.
- Premiums rise with age band and occupation class: occupation class 3 costs more than classes 1–2
- Children's cover is lower than adults', and there is no emergency roadside assistance
Want to know your actual premium and the right plan? What do you need to send?
Send just 3 things
- Date of birth of the person to be insured
- Occupation and nature of work
- Number of children to add to the policy (if any)
Our team will check the occupation class and age band, and send you a written quote within a business day. 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
Related documents and links: PA Rom Yen application form (PDF) (Thai) · Yen Sabai plan · Yen Kai plan
Frequently asked questions
What is the difference between occupation classes 1–2 and 3?
Occupation classes are based on the risk of the type of work, and the insurer assigns the class. Tell us your actual occupation and what the work involves, and our team will check before issuing a quote.
How much is paid for a stay in the ICU?
Plans 2 and 3 pay THB 4,000 per day and Plan 1 pays THB 2,000 per day, up to 30 days per policy year
Do you have to pay medical expenses upfront?
Every plan includes treatment at hospitals with no upfront payment. Check which hospitals accept the service when an accident happens.
Can a 68-year-old apply?
Yes. The age 66–70 premium applies. For example, Plan 1, occupation class 1–2 is THB 6,130 per year, and the policy can be renewed up to age 75.
How many children can be added?
Up to 3, on the main insured with children option
Who approves claims: Prakanthai.com or Chubb?
Underwriting and claim payments are decided by Chubb Samaggi Insurance. As your broker, Prakanthai.com helps coordinate and follows up on your case.
Notes
The coverage and premium information on this page is based on the product information for PA Rom Yen / Yen Jai personal accident insurance from Chubb Samaggi Insurance Public Company Limited as at 15 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.