Fit Style BKI personal accident insurance for sports lovers, from THB 3,660 per year
- Updated: 15 October 2026
Fit Style BKI personal accident insurance for sports lovers, from THB 3,660 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 3,660–5,660 per year for ages 0–60, depending on the plan and occupation group, including stamp duty
Key feature: personal accident insurance whose table specifically lists cover for playing or competing in dangerous sports, with the same sum insured as for general accidents
You cycle long distances every Saturday and Sunday, go diving or climbing, or play football with friends every week. Then you look at several accident policies and find exclusions for dangerous sports or riding a motorcycle.
PA Me Style: Fit Style from Bangkok Insurance is made for people who live like this. The questions are how much it covers for dangerous sports, how much for riding a motorcycle, and how Plan 1 and Plan 2 differ.
Fit Style personal accident insurance for sports lovers: who is it for, and how much is the premium?
In short: Bangkok Insurance's PA Fit Style personal accident insurance suits people aged 0–60 who play sport, travel or ride a motorcycle regularly. It covers death and disability from general accidents and from dangerous sports at THB 500,000–800,000, riding a motorcycle as driver or passenger at THB 250,000–400,000, and medical expenses of THB 80,000–100,000 per accident. Premiums start from THB 3,660 per year (Plan 1, occupation group A, information as at 15 October 2026). The actual premium depends on the plan, your age and your occupation group.
What does PA Fit Style cover?
| Coverage (THB) | Plan 1 | Plan 2 |
|---|---|---|
| Death, dismemberment or permanent disability (PA 2) from general accidents, including being murdered or assaulted | 500,000 | 800,000 |
| — From riding a motorcycle as driver or passenger | 250,000 | 400,000 |
| — From playing or competing in dangerous sports | 500,000 | 800,000 |
| Death from a public accident | 500,000 | 800,000 |
| Medical expenses from an accident, per accident | 80,000 | 100,000 |
| Income compensation while in hospital, per day (up to 30 days per accident) | 1,000 | 1,000 |
| Total temporary disability, per week (up to 52 weeks) | 1,000 | 1,000 |
| Physiotherapy costs, per day (up to 7 days per accident) | 500 | 500 |
| Surgery to treat facial wounds / dental treatment, per accident | 30,000 / 10,000 | 30,000 / 10,000 |
| Income compensation while in intensive care and unconscious (coma), per accident | 100,000 | 100,000 |
| Funeral expenses from an accident | 30,000 | 30,000 |
How much is the PA Fit Style premium?
Annual premiums, including stamp duty. Data as of 15 October 2026, for ages 0–60
| Occupation group | Plan 1 | Plan 2 |
|---|---|---|
| Group A: office work, no machinery | 3,660 | 4,860 |
| Group B: work outside the office from time to time, or occasional use of machinery | 4,460 | 5,660 |
Every figure is a starting premium. Ages 61–65 are renewal premiums only (Group A: Plan 1 THB 3,990, Plan 2 THB 5,190). The actual premium depends on the plan, your age, your occupation group, the information on your application and the insurer's underwriting decision.
Group A includes executives, business owners, bank employees, homemakers, civil servants, teachers, school students and university students. Group B includes engineers, lawyers, architects, doctors, nurses, sales staff and foremen.
Worked example: office worker, Group A
- Plan 1 THB 3,660 per year, which averages 3,660 ÷ 12 = about THB 305 per month
- Upgrading to Plan 2 means paying 4,860 − 3,660 = THB 1,200 more per year. The death sum insured rises by 800,000 − 500,000 = THB 300,000, and medical expenses per accident rise by THB 20,000.
- You fall off your bicycle, the medical expenses are THB 60,000 and you spend 4 days in hospital. Under Plan 1 the medical expenses are within the THB 80,000 limit, and the income compensation is 1,000 × 4 = THB 4,000
This example is for illustration only. What is actually paid follows the policy conditions and the insurer's decision.
Why is the motorcycle sum insured lower than the others?
The plan sets the sum insured for riding a motorcycle as driver or passenger at half of the general accident sum insured: THB 250,000 under Plan 1 and THB 400,000 under Plan 2. If you ride a motorcycle every day, look at this figure first, not the headline sum insured.
Another point to compare is medical expenses per accident. If you play sports where injuries are frequent but not serious, such as a twisted ankle or a fall from a bicycle, the medical expense limit per accident and the physiotherapy costs are often used more than the death sum insured.
Who is PA Fit Style for?
- People who play sport, run, cycle or go on adventure trips regularly
- Office workers or students in occupation group A who want the lowest premium of the plan
- People who ride a motorcycle or ride pillion, and want to see this sum insured clearly in the table
- People who want medical expenses, income compensation, and dental and facial surgery cover in a single policy
Who should not buy this plan yet?
- People over 60 who have not held this policy before: ages 61–65 are accepted for renewal only. See Accident insurance for seniors, apply up to age 75
- Occupations outside group A or B: the premium table has only these two groups
- People who ride a motorcycle every day and want a high sum insured for this: the motorcycle sum insured is half of the general sum insured
- People who already hold 2 policies of this kind: you can take out no more than 2.
- People who want a high sum insured for a low premium and do not play risky sports: see Happy PA accident insurance
Limits to check before you decide
- The motorcycle sum insured is THB 250,000 (Plan 1) / THB 400,000 (Plan 2), not the full sum insured
- Medical expenses apply to each accident separately: THB 80,000 per accident under Plan 1, THB 100,000 per accident under Plan 2
- Hospital compensation is paid for up to 30 days per accident, and physiotherapy for up to 7 days per accident
- You can apply as a new customer up to age 60 and renew up to age 65, with higher premiums for ages 61–65
- The information on the application form, such as occupation, affects underwriting and payment
Want to know the actual premium? What do you need to send?
Send just 3 things
- Date of birth
- Occupation and nature of work
- The plan you are interested in (Plan 1 or Plan 2)
Our team will check your occupation group and send you a written quote within a business day. If your occupation does not fit this plan's groups, we will tell you straight and help you find another plan.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
Can I buy it for my 8-year-old child?
Yes. This plan accepts ages 0–60, and students are in occupation group A.
Can foreigners buy it?
Yes, if you live in Thailand legally and your age is within the criteria.
Can a 62-year-old apply as a new customer?
No. Ages 61–65 are premiums for renewing an existing policy only.
How many policies of this plan can I buy?
A maximum of 2 policies per person
How much income compensation do I get for 40 days in hospital?
The compensation is THB 1,000 a day, up to 30 days per accident, which is 1,000 × 30 = THB 30,000
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 personal accident insurance PA Me Style: Fit Style from Bangkok 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.