Chubb PA Yen Sabai personal accident insurance, sum insured up to THB 2 million, from THB 499
- Updated: 15 October 2026
Chubb PA Yen Sabai personal accident insurance, sum insured up to THB 2 million, from THB 499
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Chubb Samaggi Insurance Public Company Limited
Premiums from THB 499–4,831 per year for a main insured in occupation class 1–2
Highlight: personal accident insurance with a premium in the hundreds of baht, with THB 10,000 of funeral expenses for death from accident or illness. The death sum insured can be chosen from THB 200,000–2,000,000
You are the main support of the household. If an accident took you away one day, those left behind would have to bear the funeral costs and everything that follows, yet you don't want to pay several thousand baht a year in premiums.
Chubb's PA Rom Yen / Yen Sabai personal accident insurance starts from a premium of THB 499. What does it include, and what does this plan not have?
Chubb PA Yen Sabai personal accident insurance: who is it for and how much is the premium?
In short: Chubb PA Rom Yen / Yen Sabai personal accident insurance suits people aged 15–70 who want a lump sum for their family if they die or become disabled in an accident, at a premium in the hundreds of baht. The sum insured is THB 200,000–2,000,000, with THB 10,000 of funeral expenses for death from accident or illness. There are no medical expenses. Premiums start at THB 499 per year (as of 15 October 2026). The actual premium depends on the plan, age and occupation class.
What does Chubb PA Yen Sabai personal accident insurance cover?
| Coverage | Plan 1 / 2 / 3 / 4 / 5 (THB) | Child (THB) |
|---|---|---|
| Death, dismemberment and total permanent disability from general accidents | 200,000 / 300,000 / 500,000 / 1,000,000 / 2,000,000 | 50,000 |
| Murder, assault or terrorism | 200,000 / 300,000 / 500,000 / 1,000,000 / 2,000,000 | 50,000 |
| Riding a motorcycle as driver or passenger | 100,000 / 150,000 / 250,000 / 500,000 / 1,000,000 | 25,000 |
| Funeral expenses for death from accident or illness | 10,000 on every plan | 5,000 |
| Medical expenses from an accident | None | None |
| Income compensation for a hospital stay | None | None |
| Emergency roadside assistance, Silver plan | Plans 3, 4 and 5 only | 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 Sabai personal accident insurance?
Annual premiums. Data as at 15 October 2026. Those aged 66–70 can renew up to age 75.
| Plan | Occupation class 1–2, age 15–65 / 66–70 | Occupation class 3, age 15–65 / 66–70 |
|---|---|---|
| Plan 1 (sum insured 200,000) | 499 / 880 | 649 / 1,149 |
| Plan 2 (sum insured 300,000) | 739 / 1,093 | 961 / 1,411 |
| Plan 3 (sum insured 500,000) | 1,209 / 1,601 | 1,572 / 2,026 |
| Plan 4 (sum insured 1,000,000) | 2,209 / 2,671 | 2,872 / 3,396 |
| Plan 5 (sum insured 2,000,000) | 4,109 / 4,831 | 5,342 / 6,083 |
Main insured with children (up to 3), occupation class 1–2, age 15–65: starting premiums are THB 949 / 1,189 / 1,659 / 2,659 / 4,559 for Plans 1–5. 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: how much per day is the Plan 4 premium?
- At age 40, occupation class 1–2, the Plan 4 premium = THB 2,209 per year
- Per day: 2,209 ÷ 365 = about THB 6 per day
- In case of death from a general accident, the sum insured is THB 1,000,000 plus THB 10,000 funeral expenses
- In case of death while riding a motorcycle, the sum insured is THB 500,000, half of the general accident amount
This example is for illustration only. The amount actually paid depends on the supporting documents and the policy conditions.
How does the Yen Sabai plan differ from the Yen Jai plan?
The Yen Sabai plan focuses on a lump sum on death or disability, plus funeral expenses that include illness, which is why its premium is low. The Yen Jai plan adds medical expenses with no upfront payment and income compensation for nights in hospital, so its premium is higher.
Who is Chubb PA Yen Sabai personal accident insurance for?
- People with family responsibilities who want a lump sum for those left behind, at a premium in the hundreds to thousands of baht
- People who already have health insurance or medical benefits and only want to add a death sum insured
- People aged 66–70 who can still apply for new accident insurance
- Parents who also want to cover their children, up to 3
Who should not buy this plan yet?
- People who want accident medical expenses: this plan has no medical expenses cover. See Happy PA accident insurance or Personal accident insurance 222
- People who want income compensation for nights in hospital: this plan has none.
- People who mainly ride a motorcycle and want the full sum insured. Motorcycle accidents pay half
- People who want emergency roadside assistance on Plans 1–2: it is only available on Plans 3–5
Limits to check before you decide
- No medical expenses and no compensation for nights in hospital on any plan
- Motorcycle accidents pay half: for example, Plan 5 pays THB 2,000,000 for a general accident but THB 1,000,000 for a motorcycle accident
- Children's sums insured are much lower than adults': THB 50,000 for accidental death and THB 5,000 for funeral expenses
- Premiums rise with age band and occupation class: at ages 66–70, Plan 1 goes from THB 499 to THB 880
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
- The sum insured you want, or the number of children to add (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 Kai plan
Frequently asked questions
Are funeral expenses paid for death from illness too?
Yes. Every plan has THB 10,000 of funeral expenses for death from injury or illness, and THB 5,000 for a child.
If I see a doctor because of an accident, can I claim the treatment costs?
No. The Yen Sabai plan has no medical expenses cover.
Can a 70-year-old apply?
Yes. The age 66–70 premium applies, and the policy can be renewed up to age 75.
What is occupation class 3?
The insurer sets occupation classes by the risk of the type of work. Tell us your actual occupation and what the work involves, and our team will check the class with the insurer.
How much does the premium rise if you add children?
See the table for the main insured with children. For example, Plan 1, occupation class 1–2, age 15–65 goes from THB 499 to THB 949, an increase of THB 450.
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 Sabai 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.