Office syndrome insurance: treatment for 8 illnesses up to THB 30,000, from THB 1,990
- Updated: 16 October 2026
Office syndrome insurance: treatment for 8 illnesses up to THB 30,000, from THB 1,990
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premiums from THB 1,990 per year
Highlights: treatment costs for 8 illnesses that office workers commonly get, both outpatient and inpatient, up to THB 30,000 in total, plus hospital cash of THB 500 a day
You sit in front of a computer ten hours a day, eat at irregular times and hold it in because you are stuck in meetings. Before long you start to get a burning stomach, back pain shooting down your leg, or a locked finger, and you are seeing a doctor several times a month.
How much does office syndrome insurance at THB 1,990 a year help with the cost of treating these illnesses, and what conditions mean you can't claim?
Who is office syndrome insurance for, and how much does it cost?
In short: Bangkok Insurance's office syndrome insurance suits office workers aged 6–60 who have never had any of the illnesses in this group. It covers treatment for 8 illnesses, such as acid reflux, a slipped disc pressing on a nerve and trigger finger, both outpatient and inpatient, up to THB 30,000 in total per year, and pays hospital cash of THB 500 a day. Premiums start at THB 1,990 per year (as at 14 October 2026). There is a 30-day waiting period.
What does office syndrome insurance cover?
| Coverage | Limit | How it pays |
|---|---|---|
| Medical expenses: inpatient (IPD) and outpatient (OPD) | THB 30,000 | Actual cost, with an overall limit for the whole period of insurance |
| Daily hospital cash as an inpatient | THB 500 per day | Up to 30 days over the period of insurance |
| Premium | THB 1,990 per year | 1 policy per person |
The 8 illnesses covered
- Food poisoning from a gastrointestinal infection
- Bladder inflammation
- Acid reflux (GERD)
- Gastritis from H. pylori bacterial infection
- Slipped disc pressing on a nerve (HNP)
- Dizziness and a spinning sensation (Vertigo)
- Compression of the nerve at the wrist (Carpal Tunnel Syndrome)
- Locking finger, inflammation of the finger tendon sheath (Trigger Finger)
Cover is paid only when you are ill with one of these 8 illnesses. Other illnesses that are not on the list are not part of this plan.
How much does office syndrome insurance cost?
Premiums from THB 1,990 per year, as at 14 October 2026, averaging about THB 166 per month (1,990 ÷ 12). Underwriting and renewal are as set by the insurer.
Worked example: a slipped disc pressing on a nerve, with 4 days in hospital
Suppose you have already seen a doctor as an outpatient 3 times for acid reflux, at THB 1,500 each time, and later you are admitted to hospital with a slipped disc, with treatment costing THB 22,000
- Outpatient treatment: 1,500 × 3 = THB 4,500
- Total treatment costs for the year: 4,500 + 22,000 = THB 26,500, still within the THB 30,000 limit, leaving THB 3,500 of the limit
- Hospital cash: 500 × 4 = THB 2,000
This example is for illustration only. The treatment costs are assumptions, and the amount actually paid depends on the actual treatment costs and the insurer's assessment. The key point is that the THB 30,000 limit is an overall limit for the whole year, not per visit.
Who is office syndrome insurance for?
- Office workers who sit for long periods and use computers and phones all day but have never had symptoms of any of the listed illnesses
- People who have group insurance through their employer but no outpatient cover, or only a small outpatient limit
- Freelancers with no medical benefits who want targeted cover for under two thousand baht
- Parents who want to insure school-age children, since cover is available from age 6
Who should not buy this plan yet?
- People who have had symptoms of a listed illness within 12 months before cover starts, for example, those who have just seen a doctor about acid reflux or back pain shooting down the leg. The policy does not cover illnesses or symptoms that arose in that period.
- People who want general health insurance: this plan pays for the 8 illnesses only. If you get a cold, dengue fever or any other illness, you are not covered.
- People who need major surgery: the overall treatment limit of THB 30,000 for the year may not be enough for slipped disc surgery in a private hospital
- People who can't pay for treatment upfront: you must pay for treatment first and then send the claim documents to the insurer
- People over 60, because the insurer accepts applicants only up to age 60
Limits to check before you decide
- 30-day waiting period: you cannot claim for illness during this time
- Illnesses or symptoms that arose within the 12 months before the policy first took effect are not covered
- The THB 30,000 treatment limit is an overall limit for outpatient and inpatient treatment together over the whole period of insurance. Once it is used up, there is no further limit.
- Hospital cash is paid for up to 30 days in total for the year, or no more than THB 15,000 (500 × 30)
- You must pay for treatment first and then send the claim documents
- One policy per person, and age is counted by rounding any days or months up to a full year
If you also want an online doctor service for common symptoms, see Telemedicine health insurance
If you want inpatient treatment costs for all illnesses, not just 8, see Bangkok Insurance inpatient health insurance
Want to know whether you can apply? What do you need to tell us?
Tell us just 2 things
- Date of birth of the insured
- In the past 12 months, have you seen a doctor for any of these 8 illnesses?
Our team will check the conditions and reply within a business day on whether this plan is worth it for you. If you have a history that would stop you claiming, we will tell you straight before you pay. Or apply online through Bangkok Insurance's system.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
Can I claim for neck, shoulder and upper back pain from sitting at work?
The plan is called office syndrome, but the cover is listed illness by illness, for 8 illnesses. Neck, shoulder and upper back muscle pain is not on the list.
I had acid reflux 2 years ago and it has cleared up. Can I apply?
The exclusion applies to illnesses or symptoms that arose within the 12 months before the policy first took effect. If you had no symptoms and no treatment in those 12 months, declare your history truthfully when you apply. The insurer decides.
Can I buy it for my 10-year-old child?
Yes. This plan accepts ages 6–60.
Can I take out 2 policies to increase the limit?
No. Each insured person may buy and be covered by only 1 policy.
Where do I make a claim?
Pay for treatment first, then send the claim documents to Bangkok Insurance. For claim enquiries, call +66 2 285 8888 and press 3 then 3, on business days and during business hours, or ask the Prakanthai.com team to coordinate for you.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and claim payments are decided by Bangkok Insurance. As the broker, Prakanthai.com helps with advice and follows up for you.
Notes
The coverage and premium information on this page is based on the office syndrome insurance product information of Bangkok Insurance Public Company Limited, checked on 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 conditions in full before deciding.