Personal accident insurance for seniors, apply up to age 75, from THB 4,400 per year
- Updated: 15 October 2026
Personal accident insurance for seniors, apply up to age 75, from THB 4,400 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 4,400–11,000 per year for ages 45–70, including stamp duty
Highlights: accident insurance for ages 45 and over, open to applicants up to age 75 and renewable up to age 100
Your parents are in their sixties, slip in the bathroom and have to stay in hospital for several days. When you go to find them insurance, many plans accept only up to age 60 or 65.
Accident insurance for seniors that accepts applicants up to age 75 and pays treatment costs for both inpatients and outpatients: how do the plans differ, and how much does the premium rise with age?
PA Happy 45 Plus accident insurance for seniors: who is it for and how much is the premium?
In short: Bangkok Insurance's PA Happy 45 Plus accident insurance for seniors suits people aged 45–75 who want accident treatment cover for both hospital stays and outpatient visits. There are 5 plans, with death from an accident at THB 300,000–1,200,000 and inpatient treatment of up to THB 100,000–300,000 per year. Premiums from THB 4,400 per year for ages 45–70 (as at 15 October 2026). The actual premium depends on the plan and your age.
What does PA Happy 45 Plus accident insurance cover?
Figures follow the order of Plans 1 / 2 / 3 / 4 / 5, in THB
| Coverage | Limits for Plans 1 / 2 / 3 / 4 / 5 |
|---|---|
| Death from an accident | 300,000 / 500,000 / 700,000 / 900,000 / 1,200,000 |
| Death from murder, assault, or 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, assault, or riding a motorcycle | 300,000 / 500,000 / 700,000 / 900,000 / 1,200,000 |
| Inpatient (IPD) treatment, maximum per year | 100,000 / 100,000 / 200,000 / 200,000 / 300,000 |
| Inpatient treatment, maximum per accident | 50,000 / 50,000 / 100,000 / 100,000 / 150,000 |
| Standard room, per day | 2,000 / 2,000 / 4,000 / 4,000 / 6,000 |
| Intensive care (ICU) room, per day | 4,000 / 4,000 / 8,000 / 8,000 / 12,000 |
| Outpatient (OPD) treatment per visit | 2,500 / 2,500 / 5,000 / 5,000 / 7,500 |
| Wheelchair costs | 10,000 on every plan |
Room charges are limited to 30 days in total per accident and form part of the inpatient limit. Outpatient treatment can be used up to 1 visit per day and 30 visits per policy year.
How much is the premium for PA Happy 45 Plus accident insurance?
Annual premiums, including stamp duty. Data as at 15 October 2026
| Plan | Starting premium, ages 45–70 | Starting premium, ages 71–75 |
|---|---|---|
| Plan 1 | 4,400 | 5,600 |
| Plan 2 | 5,200 | 6,500 |
| Plan 3 | 7,500 | 9,300 |
| Plan 4 | 8,300 | 10,200 |
| Plan 5 | 11,000 | 13,400 |
From age 76 upwards the premiums are for renewals only, with no new applications. Premiums step up with the age band; the examples shown are Plan 1 and Plan 5.
| Age band (renewals only) | Plan 1 | Plan 5 |
|---|---|---|
| 76–80 years | 6,000 | 14,300 |
| 81–85 years | 7,100 | 16,100 |
| 86–90 years | 7,900 | 17,600 |
| 91–95 years | 8,700 | 19,000 |
| 96–100 years | 9,600 | 20,500 |
The actual premium depends on the plan you choose, your age at the start of cover, your occupation, your health declaration and the insurer's underwriting decision. The quote is what counts.
Worked example: age 62, Plan 3, and 5 days in hospital
- Plan 3 premium for ages 45–70 = THB 7,500 per year, on average 7,500 ÷ 12 = about THB 625 a month
- A slip and fall means 5 days in hospital. The room costs THB 5,000 a day, and Plan 3 pays room charges of up to THB 4,000 a day
- Room charge difference you pay yourself: (5,000 − 4,000) × 5 days = THB 5,000
- The room charges the insurer pays are 4,000 × 5 = THB 20,000, which count towards the inpatient limit of up to THB 100,000 for this admission
This is an illustration only. The amount actually paid depends on the receipts and the policy conditions. If the hospital you normally use charges high room rates, check the room charge limit before you choose a plan.
Who is PA Happy 45 Plus accident insurance for?
- People aged 45–75 who are looking for an accident plan that still accepts applications
- Children who want to buy accident insurance for their parents, and want it to be renewable until age 100
- People who also want outpatient treatment for accidents, not just hospital stays
- People who want a wheelchair cost limit to use after an accident
Who should not buy this plan yet?
- People under 45: this plan does not accept them. See Happy PA accident insurance, sum insured THB 500,000 to 3 million instead
- People over 75 who have never held this policy: ages 76 and over are renewal premiums only
- People who want treatment for illness: this plan is accident insurance, not health insurance
- Document couriers, motorcycle taxi riders, serving military and police officers, as well as other work with a high accident risk: this plan does not accept them
- People who mainly ride motorcycles: the death and disability benefits for motorcycle cases pay half of the sum insured. Take a look at Accident insurance 159 to compare
Limits to check before you decide
- Motorcycle, murder and assault cases pay half: for example, Plan 3 pays THB 700,000 for death from an ordinary accident, but THB 350,000 in a motorcycle case
- Room charges have a daily limit, and a total of no more than 30 days per accident. Plans 1–2 pay an ordinary room charge of only THB 2,000 a day
- Inpatient treatment has two tiers of limit, per accident and per year. For example, Plan 1 pays no more than THB 50,000 per accident and THB 100,000 per year
- Outpatient treatment is limited to 1 visit per day and 30 visits per year
- Premiums rise by age band when you renew, and renewal is on the terms the insurer sets
- A health declaration is required: what you declare affects underwriting and claim payment. Foreign nationals must have a Work Permit or Retirement Certificate
Want to know the 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 of the person to be insured
- The plan you are interested in, or the room rate at the hospital you normally use
Our team will check the age band and occupation, then 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: Apply through Prakanthai.com on LINE
Frequently asked questions
My mother is 73. Can she still apply?
Yes. The applicant must be aged 45–75. Age 73 uses the 71–75 premium band, for example Plan 1 at THB 5,600 per year.
If the person is 78, can they apply for a new policy?
No. Premiums for ages 76 and over are for renewing an existing policy only.
If I fall ill with dengue fever and stay in hospital, can I claim?
This plan is accident insurance. The treatment costs shown in the table are for treatment due to an accident.
If I see a doctor for a graze without staying in hospital, how much can I claim?
The per-visit outpatient limit of your plan applies: THB 2,500–7,500, up to 1 visit per day and 30 visits per policy year.
Can children pay the premium for their parents?
Yes, but the person who has to make the health declaration and meet the age and occupation criteria is the insured. What is declared should be true.
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 Happy 45 Plus 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.