PA HAPPY 45 PLUS
- Published: 4 August 2026
PA HAPPY 45 PLUS
Personal accident (PA) insurance
Coverage table
|
Coverage |
Insurance plan |
||||
|---|---|---|---|---|---|
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
|
|
- Accidental death |
300,000 |
500,000 |
700,000 |
900,000 |
1,200,000 |
|
- Death from murder or assault, or while riding a motorcycle as driver or passenger |
150,000 |
250,000 |
350,000 |
450,000 |
600,000 |
|
- Loss of limbs or sight, or total permanent disability, from an accident |
600,000 |
1,000,000 |
1,400,000 |
1,800,000 |
2,400,000 |
|
- Loss of limbs or sight, or total permanent disability, from murder or assault, or while riding a motorcycle as driver or passenger |
300,000 |
500,000 |
700,000 |
900,000 |
1,200,000 |
|
- Accident medical expenses, inpatient (IPD) - Maximum cover per policy year - Maximum cover per accident - Standard room charges* (maximum per day) - Intensive care room charges* (CU) (maximum per day) |
100,000 50,000 2,000 4,000 |
100,000 50,000 2,000 4,000 |
200,000 100,000 4,000 8,000 |
200,000 100,000 4,000 8,000 |
300,000 150,000 6,000 12,000 |
|
- Accident medical expenses, outpatient (OPD), up to 1 visit per day and 30 visits per policy year |
2,500 |
2,500 |
5,000 |
5,000 |
7,500 |
|
- Wheelchair costs |
10,000 |
10,000 | 10,000 | 10,000 | 10,000 |
Premium table
|
Age (years) |
Insurance plan |
||||
|---|---|---|---|---|---|
|
Plan 1 |
Plan 2 |
Plan 3 |
Plan 4 |
Plan 5 |
|
|
45 - 70 71 - 75 76–80 (policy renewals only) 81–85 (policy renewals only) 86–90 (policy renewals only) 91–95 (policy renewals only) 96–100 (policy renewals only) |
4,400 5,600 6,000 7,100 7,900 8,700 9,600 |
5,200 6,500 7,000 8,100 9,100 10,000 10,900 |
7,500 9,300 9,900 11,300 12,400 13,500 14,700 |
8,300 10,200 10,900 12,400 13,600 14,800 16,000 |
11,000 13,400 14,300 16,100 17,600 19,000 20,500 |
Notes
1. *Room charges are limited to 30 days in total per accident and form part of the sum insured for accident medical expenses, inpatient (IPD)
2. Applicants must be aged 45–75, and the policy can be renewed up to age 100
3. Foreign applicants must hold either a Thai Work Permit or a Retirement Certificate
4. Occupations that cannot be insured: document couriers, motorcycle taxi riders, serving military and police officers, and people whose work carries a high accident risk
5. Buyers should always read the coverage details and conditions carefully before deciding to buy insurance
6. Your health declaration is one of the factors in accepting the application or paying benefits under the insurance contract
7. These premiums include stamp duty
8. Acceptance and renewal of policies are at the insurer's discretion
Price: THB 4,400 | Start date: 1 July 2024 |
End date: 31 December 2027 |