Medical professional liability insurance, THB 6 million limit, from THB 10,440 per year
- Updated: 15 October 2026
Medical professional liability insurance, THB 6 million limit, from THB 10,440 per year
Premium data as of 15 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 10,440 per year, including tax and stamp duty
Highlights: covers claims made by patients and the costs of defending the case, up to THB 6,000,000. With continuous renewal, cover reaches back to the date the insurance started
You have treated patients for years without a problem. Then one day a patient's relatives are unhappy with the result of treatment and sue for damages in the millions. You don't yet know whether there was any fault, but the lawyers' fees and the costs of fighting the case have already started to run.
What does medical professional liability insurance cover, what doesn't it cover, and why does continuous renewal matter?
Medical professional liability insurance: who is it for and how much is the premium?
In short: Bangkok Insurance's medical professional liability insurance suits doctors who provide treatment in Thailand and want funds in place if a claim is made against them over their professional work. It covers claims made by third parties during the insured period, and the costs of defending the case, up to THB 6,000,000. Premiums start at THB 10,440 per year (data as at 15 October 2026). The actual premium follows the quote and the insurer's decision.
What does medical professional liability insurance cover?
| Coverage | Limit | Conditions |
|---|---|---|
| Compensation claimed by third parties | Up to THB 6,000,000 | The claim is made during the period of insurance |
| Legal defence costs | Included in the cover | As per the policy conditions |
| Retroactive cover | Back to the date the insurance started | Continuous renewal required |
Bangkok Insurance states that it is ready to help from the moment an injured party makes a complaint until the case ends. See the policy schedule for the limit of each part.
How much is the premium for medical professional liability insurance?
Premiums from THB 10,440 per year, including tax and stamp duty. Data as at 15 October 2026. The actual premium is as stated in the quote and subject to the insurer's underwriting decision.
Worked example: you are sued for damages of THB 2.5 million
- Average premium per month: 10,440 ÷ 12 = THB 870
- Say the damages you have to pay under the judgment are THB 2,500,000 and the costs of defending the case are THB 300,000, a total of 2,500,000 + 300,000 = THB 2,800,000
- The total is still within the THB 6,000,000 limit, leaving 6,000,000 − 2,800,000 = THB 3,200,000
This example is for illustration only. The figures for damages and legal costs are assumptions. The amount actually paid depends on the facts, the judgment and the insurer's claim assessment. A simple rule: the costs of defending the case also use up the limit, so choose a limit that allows for both parts.
Who is medical professional liability insurance for?
- Doctors who treat patients in hospitals or clinics in Thailand
- Doctors who want help from the moment a complaint is made until the case ends
- Doctors who intend to stay insured for many years, so that they get retroactive cover back to the start date
- Doctors who perform procedures in hospitals and want a limit in the millions
Who should not buy this plan yet?
- Doctors who work mainly in cosmetic services, such as acne and skin treatment or weight-loss medication. These services are excluded
- Doctors who practise or are sued outside Thailand. Lawsuits and judgments outside Thailand are not covered
- People who are worried about treatment given before they took out the insurance. Medical errors committed before the insurance was taken out are excluded
- Doctors who carry out medical experiments. Errors arising from medical experiments are not covered
- Clinic operators who want to cover the premises and customers walking in and out: see third-party liability insurance (Public Liability)
Limits to check before you decide
- Services outside the scope of the profession are not covered
- Dentists' administration of general anaesthesia outside a hospital is not covered, unless it is done within a hospital
- Blood bank operations are not covered, except where blood or blood products are supplied for use in the insured's own procedures
- Services provided while under the influence of drugs or intoxicating substances, and intentional, malicious or criminal acts, are not covered
- Damage from radiation or radioactive contamination is not covered
- Retroactive cover requires continuous renewal. If there is a gap, retroactive rights may not continue under the conditions
Want to understand the excess in liability insurance? Read Excess vs Deductible: what is the difference?
What do you need to send to find out your own premium?
Send just 3 things
- Your field of practice and workplace
- The limit of cover you want
- Your previous liability policy (if you have one)
Our team will check the conditions with the insurer and send you a written quote within a business day. If you have a previous policy, we will help you see how to renew it without a gap. 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 you have received a complaint but haven't been sued yet, can the insurance help?
The product information states that the insurer is ready to help from the moment an injured party makes a complaint until the case ends. You should tell the insurer through our team as soon as you receive a complaint.
If you treated a patient last year but were only sued this year, are you covered?
This plan covers claims made during the period of insurance, and gives retroactive cover back to the start date of the insurance if you renew continuously. However, treatment given before the insurance started is excluded.
If you also run a cosmetic clinic, is that covered?
Cosmetic services, acne and skin treatment and weight-loss medication are not covered; they fall under the exclusions.
Can dentists take it out?
Send us the details of your practice so that our team can check with the insurer first. The exclusions mention dentists' administration of general anaesthesia outside a hospital.
Does the premium already include tax?
Yes. The premiums shown already include stamp duty and tax.
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 medical professional liability insurance 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.