Happy PA personal accident insurance, sum insured THB 500,000–3,000,000, from THB 770
- Published: 14 October 2026
Happy PA personal accident insurance, sum insured THB 500,000–3,000,000, from THB 770
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 770–10,600 per year, depending on the sum insured and whether you choose medical expenses cover, including stamp duty
Highlights: choose an accident sum insured of THB 500,000–3,000,000, with cover that includes murder, assault and riding a motorcycle, 24 hours a day worldwide
You are the family's main breadwinner and still paying off a house and a car. If an accident one day left you permanently unable to work, the THB 100,000 accident cover from your employer would hardly be enough to pay off the remaining debt.
How much is personal accident insurance with a sum insured of up to THB 3 million, and should you choose the option with or without medical expenses?
Happy PA personal accident insurance: who is it for and how much is the premium?
In short: Bangkok Insurance's Happy PA personal accident insurance suits people aged 16–60 who mainly work in an office and want a high accident sum insured of THB 500,000–3,000,000. It covers death, dismemberment, loss of sight and permanent disability, including murder, assault and riding a motorcycle as driver or passenger, plus THB 10,000 funeral expenses. You can add medical expenses cover. Premiums start from THB 770 per year for a sum insured of THB 500,000 without medical expenses (as of 14 October 2026). The actual premium depends on the sum insured, the option you choose and your occupation.
What does Happy PA personal accident insurance cover?
| Coverage | Without medical expenses | With medical expenses |
|---|---|---|
| Accidental death, dismemberment, loss of sight and total permanent disability | Up to the sum insured of 500,000–3,000,000 | Up to the sum insured of 500,000–3,000,000 |
| Murder or assault | Covered | Covered |
| Riding a motorcycle as driver or passenger | Covered | Covered |
| Medical expenses from an accident | Not covered | 10% of the sum insured (50,000–300,000) |
| Funeral expenses for accidental death | 10,000 | 10,000 |
Cover applies 24 hours a day worldwide, whether you are working, relaxing, travelling or on holiday.
Roughly how much is the premium for Happy PA personal accident insurance?
Annual premiums, including stamp duty. Data as at 14 October 2026
| Sum insured (THB) | Without medical expenses | With medical expenses (medical expenses limit) |
|---|---|---|
| 500,000 | 770 | 2,500 (50,000) |
| 600,000 | 930 | 2,800 (60,000) |
| 700,000 | 1,080 | 3,100 (70,000) |
| 800,000 | 1,240 | 3,400 (80,000) |
| 900,000 | 1,390 | 3,700 (90,000) |
| 1,000,000 | 1,550 | 4,000 (100,000) |
| 1,500,000 | 2,320 | 5,400 (150,000) |
| 2,000,000 | 3,090 | 7,000 (200,000) |
| 2,500,000 | 3,860 | 8,700 (250,000) |
| 3,000,000 | 4,630 | 10,600 (300,000) |
Every figure is a starting premium. The actual premium depends on the sum insured, the option you choose, your occupation and the insurer's underwriting decision. The quote is what counts.
Worked example: how much more do you pay to add medical expenses?
Say you choose a sum insured of THB 1,000,000
- Without medical expenses: THB 1,550 per year (about THB 129 per month on average = 1,550 ÷ 12)
- With THB 100,000 medical expenses: THB 4,000 per year
- Difference: 4,000 − 1,550 = THB 2,450 per year, in exchange for THB 100,000 of accident medical expenses
This example is for illustration only. The rule of thumb: if you already have health insurance or medical benefits, the option without medical expenses gets you a high accident sum insured for a low premium.
Who is Happy PA personal accident insurance for?
- People aged 16–60 who mainly work in an office, such as business owners, managers, clerical staff or salespeople
- People with debts or a family that depends on their income, who want an accident sum insured in the millions
- People who ride a motorcycle or ride pillion, because this plan covers that too
- People who travel abroad often, because the cover is worldwide
Who should not buy this plan yet?
- People whose work carries a high risk of accidents: this plan does not accept high-risk occupations
- Under 16 or over 60 (renewable up to age 65)
- People who only want personal accident insurance for under THB 1,000: see THB 222 personal accident insurance or THB 159
- People who want a total sum insured over THB 5,000,000: the total is capped at THB 5 million, across no more than 2 policies
Limits to check before you decide
- Only occupations that are mainly office-based are accepted
- Up to 2 policies, with a total sum insured of up to THB 5,000,000
- Key exclusions include being under the influence of alcohol or drugs, self-harm, food poisoning, back pain from a slipped disc pressing on a nerve, car or boat racing, fighting, war and terrorism
- Dental treatment is covered only if it takes place within 7 days of the accident, excluding dentures and crowns
- Your health declaration affects acceptance and payment
Want to know the premium and the right sum insured? What do you need to send?
Send just 2 things
- Date of birth and occupation of the person to be insured
- Accident or health insurance you already have (if any)
Our team will send you a written quote within a business day, showing the premium both with and without medical expenses, and checking that your occupation qualifies. 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
If I ride a motorcycle to work, am I covered for the full sum insured?
This plan states that it covers riding a motorcycle as driver or passenger, up to the sum insured and subject to the policy conditions.
Can foreigners buy it?
Yes, if you live in Thailand legally, are aged 16–60 and your occupation qualifies.
I work in sales and often drive out of the office. Can I buy it?
This plan accepts sales staff who work mostly in the office and go out only occasionally. If you are regularly out in the field, send us the details of your work and our team will check with the insurer.
How are medical expenses paid?
The option with medical expenses pays accident medical expenses up to 10% of the sum insured; for example, a sum insured of THB 1,000,000 gives THB 100,000 of medical expenses, subject to the policy conditions.
Until what age can I renew?
You can renew continuously up to age 65. Renewal is decided by the insurer.
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 Happy PA personal accident insurance as at 14 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.