Chubb PA Yen Kai personal accident insurance, no upfront payment, from THB 4,668
- Updated: 15 October 2026
Chubb PA Yen Kai personal accident insurance, no upfront payment, from THB 4,668
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 4,668–9,616 per year for a main insured in occupation class 1–2
Highlight: personal accident insurance with medical expenses of up to THB 100,000 per accident and no need to pay upfront, including motorcycle accidents
Your child falls while playing and breaks an arm, or you fall down the stairs and sprain an ankle. Small accidents at home like these can happen every month, and each time you have to pay the hospital out of your own pocket first.
Chubb's PA Rom Yen / Yen Kai personal accident insurance focuses on medical expenses with no need to pay upfront. How much does each plan cover, and how does it differ from the Yen Jai plan?
Chubb PA Yen Kai personal accident insurance: who is it for and how much is the premium?
In short: Chubb PA Rom Yen / Yen Kai personal accident insurance suits people aged 15–70 who want accident medical expenses with no need to pay upfront, THB 50,000–100,000 per accident, including riding or being a passenger on a motorcycle. Accidental death cover is THB 500,000–2,000,000. There is no daily cash benefit for nights in hospital. Premiums start at THB 4,668 per year (as of 15 October 2026). The actual premium depends on the plan, age and occupation class.
What does Chubb PA Yen Kai 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 | None | None |
| Treatment with no upfront payment (cashless) | Yes | Yes |
| Emergency roadside assistance, Silver plan | Yes | None |
The product document states an extra 1× cover for accidental death on official public holidays, and for accidental death on public transport or in a public building. Details are as set out in the policy.
How much is the premium for Chubb PA Yen Kai personal accident insurance?
Annual premiums. Data as at 15 October 2026. Those aged 66–70 can renew up to age 75.
| Plan / group | Age 15–65 years | Age 66–70 years |
|---|---|---|
| Plan 1 / 2 / 3 · Occupation class 1–2 | 4,668 / 5,332 / 7,250 | 6,531 / 7,565 / 9,616 |
| Plan 1 / 2 / 3 · Occupation class 1–2 with children (up to 3) | 7,136 / 7,800 / 9,718 | 8,999 / 10,033 / 12,084 |
| Plan 1 / 2 / 3 · Occupation class 3 | 5,931 / 6,898 / 8,780 | 7,513 / 9,734 / 12,527 |
| Plan 1 / 2 / 3 · Occupation class 3 with children | 8,399 / 9,366 / 11,248 | 9,981 / 12,202 / 14,995 |
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. The quote is what counts.
Worked example: a father and 2 children on Plan 2
- A 38-year-old father in occupation class 1–2 on the option with children, Plan 2 = THB 7,800 per year, about 7,800 ÷ 12 = THB 650 a month on average
- If only the father is insured, Plan 2 = THB 5,332. The extra for adding the children is 7,800 − 5,332 = THB 2,468 per year
- A child falls and breaks an arm, with medical costs of THB 8,000. The child's limit is THB 5,000 per accident, so the remaining THB 3,000 is paid by you.
- The father falls down the stairs and the medical costs are THB 30,000, which is within the Plan 2 limit of THB 100,000 per accident
This example is for illustration only. The amount actually paid depends on receipts, medical documents and the policy conditions.
How do Yen Kai and Yen Jai differ?
The death sums insured and medical expense limits are the same, but the Yen Jai plan adds income compensation for nights in hospital. The Yen Kai premium for Plan 1, occupation class 1–2, age 15–65 is THB 4,668, against THB 4,859 for Yen Jai, a difference of THB 191.
Who is Chubb PA Yen Kai personal accident insurance for?
- People who want treatment with no upfront payment after an accident
- People who ride or travel as a passenger on motorcycles, since medical expenses include motorcycle accidents
- People with a regular income who don't need compensation for nights in hospital
- Parents who want to include their children in one policy, up to 3
Who should not buy this plan yet?
- People who want income compensation for nights in hospital: this plan has none.
- 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 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, but accident medical expenses on a motorcycle still use the full limit
- Medical expenses are a limit per accident: Plan 1 is up to THB 50,000.
- Children's medical expenses are THB 5,000 per accident, much lower than for adults
- Premiums rise with age band and occupation class: at ages 66–70, Plan 1 goes from THB 4,668 to THB 6,531
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 Jai plan · Yen Sabai plan
Frequently asked questions
Where can the no-upfront-payment service be used?
Every plan includes treatment at hospitals with no upfront payment. Check with the insurer which hospitals accept the service when an accident happens.
If I fall off a motorcycle, can I claim medical expenses up to the full limit?
Accident medical expenses under this plan include riding or being a passenger on a motorcycle, and use the per-accident limit of the plan. Death or disability from a motorcycle accident pays half.
Can a 70-year-old apply?
Yes. The age 66–70 premium applies, 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 Kai 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.