Family personal accident insurance, ages 0–60, from THB 660 per year
- Updated: 15 October 2026
Family personal accident insurance, ages 0–60, from THB 660 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 660–2,960 per year per person, depending on the plan and occupation group, incl. stamp duty
Highlights: personal accident insurance that accepts applicants aged 0–60, so parents and children can be on the same plan
You want accident insurance for the whole family: father, mother and young children. But many plans accept children only when a parent buys one too, or only from the age of several years, so you end up buying separately from different places.
Bangkok Insurance's PA Me Style Family First personal accident insurance accepts ages 0–60. What is the premium per person, and what does it cover?
PA Me Style Family First family personal accident insurance: who is it for and how much does it cost?
In short: Bangkok Insurance's PA Me Style Family First family personal accident insurance suits families who want accident cover for everyone, from newborns to adults aged 60. It covers accidental death and disability of THB 300,000–1,000,000, funeral expenses of THB 10,000 and coma compensation of THB 100,000. There is no medical expenses cover. Premiums start from THB 660 per year per person (as of 15 October 2026). The actual premium depends on the plan, age and occupation group.
What does PA Me Style Family First personal accident insurance cover?
Figures are in the order Plan 1 / 2 / 3 / 4, in THB
| Coverage | Limit, Plan 1 / 2 / 3 / 4 |
|---|---|
| Death, loss of limbs, sight, hearing or speech, or permanent disability (PA 2) from a general accident, including murder or assault | 300,000 / 500,000 / 800,000 / 1,000,000 |
| Riding a motorcycle as driver or passenger | 150,000 / 250,000 / 400,000 / 500,000 |
| Funeral expenses for accidental death | 10,000 on every plan |
| Death from a public accident (additional cover) | 300,000 / 500,000 / 800,000 / 1,000,000 |
| Compensation for a stay in intensive care in a coma due to an accident (per accident) | 100,000 on all plans |
| Medical expenses | Not in the coverage table |
How much does PA Me Style Family First personal accident insurance cost?
Annual premium per person, incl. stamp duty. Data as of 15 October 2026. Ages 61–65 are renewal premiums only.
| Occupation group / age | Plan 1 / 2 | Plan 3 / 4 |
|---|---|---|
| Group A, ages 0–60 | 660 / 1,060 | 1,660 / 2,060 |
| Group A, ages 61–65 (renewal) | 960 / 1,360 | 1,960 / 2,360 |
| Group B, ages 0–60 | 1,060 / 1,460 | 2,360 / 2,960 |
| Group B, ages 61–65 (renewal) | 1,460 / 1,860 | 2,760 / 3,360 |
Group A is office work that doesn't involve machinery, such as executives, bank employees, homemakers, civil servants, teachers, and school and university students. Group B is work that takes you out of the office from time to time or is done outdoors, such as engineers, lawyers, doctors, nurses and sales staff. The actual premium depends on the plan, age, occupation group and the insurer's underwriting decision.
Worked example: parents and 2 children, all on Plan 2
- The mother is a bank employee (Group A) and the 2 children are students (Group A): THB 1,060 each × 3 = THB 3,180
- The father is an engineer (Group B), Plan 2 = THB 1,460
- Total for the household 3,180 + 1,460 = THB 4,640 per year, about THB 387 a month on average (4,640 ÷ 12)
- Each person has an accidental death sum insured of THB 500,000, and THB 250,000 for motorcycle accidents
This is an illustration only. The actual occupation group is decided by the insurer from the nature of the work.
Who is PA Me Style Family First personal accident insurance for?
- Families who want accident insurance for both parents and children on one plan
- People with young children, because it accepts ages from 0
- People who already have health insurance or medical benefits and want a lump sum in case of death or disability
- People who often use public transport, because there is additional cover for death from a public accident
Who should not buy this plan yet?
- People who want accident medical expenses. The coverage table has none. See Happy PA personal accident insurance instead
- People over 60 who have never held this policy. Ages 61–65 are renewal premiums only. See personal accident insurance for seniors, available up to age 75
- People who mainly ride a motorcycle and want the full sum insured. Motorcycle accidents pay half
- People who already hold 2 policies of this kind
Limits to check before you decide
- There is no medical expenses cover. It pays lump sums for death, disability, funeral expenses and coma
- Motorcycle accidents pay half. For example, Plan 4 pays THB 1,000,000 for a general accident and THB 500,000 for a motorcycle accident
- The coma payment requires both conditions to be met: a stay in intensive care and being unconscious from an accident
- New applications up to age 60, renewals up to age 65, and no more than 2 policies per person
- What you state in the application form affects acceptance and payment under the contract
What do I need to send to find out the premium for my whole family?
Send just 3 things
- Each member's date of birth
- Each person's occupation (state student for children)
- The plan you are interested in
Our team will check the occupation groups and age bands, then send you a written quote for the whole household 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
Frequently asked questions
Can a 1-year-old child be insured?
Yes. This plan accepts insured persons aged 0–60. For the premium band for young children, our team will confirm with the insurer in the quote.
Can foreigners buy it?
Yes, if you came to live in Thailand legally and are aged 0–60.
If I see a doctor because of an accident, can I claim the treatment costs?
This plan's coverage table has no medical expenses cover. If you want that, choose an accident plan that includes medical expenses.
How does a public accident pay extra?
This plan has additional cover for death from a public accident of THB 300,000–1,000,000, depending on the plan. The definitions are as in the policy.
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 Bangkok Insurance Public Company Limited's product information for PA Me Style Family First personal accident insurance 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.