Online doctor insurance Telemedicine, THB 10,000 limit, from THB 4,290
- Updated: 16 October 2026
Online doctor insurance Telemedicine, THB 10,000 limit, from THB 4,290
Premium data as of 14 October 2026 · compiled by Prakanthai.com
Underwritten by Bangkok Insurance Public Company Limited
Premium from THB 4,290 per year, including stamp duty
Highlights: consult a doctor by video call on the Clicknic app, with a THB 10,000 limit and medicines delivered to your home in Thailand, subject to conditions
You wake up with a sore throat and a slight fever, but you have to take half a day off work to sit in a hospital queue for two hours, and you go home with cough medicine and paracetamol. Including travel, it costs you nearly THB 1,000.
Online doctor insurance at THB 4,290 a year: what symptoms can you use it for, and how does it differ from ordinary health insurance?
Who is Telemedicine online doctor insurance for, and how much does it cost?
In short: Bangkok Insurance's Telemedicine health insurance suits people aged 16–60 who often have minor illnesses and want to consult a doctor from home or the office. It covers telemedicine service fees via the Clicknic app up to THB 10,000 in total, accident cover of THB 50,000 and an emergency ambulance at THB 1,000 per trip. Premiums start at THB 4,290 per year (as at 14 October 2026), but it is not insurance for hospital treatment costs.
What does Telemedicine insurance cover?
| Coverage | Limit (THB) | Conditions |
|---|---|---|
| Telemedicine service fees via the Clicknic app | 10,000 | Overall limit for the whole period of insurance |
| Death, loss of limbs or sight, or total permanent disability from an accident (Or.Bor.1) | 50,000 | – |
| Emergency ambulance costs | THB 1,000 per trip | Up to 3 trips over the period of insurance, in Thailand only |
| Premium | THB 4,290 per year | Stamp duty included |
How do you use the service?
- Take out the insurance and receive your policy details
- Open the Clicknic app
- Book an appointment and consult a doctor by video call
- Receive advice from the doctor and pharmacist, then receive your medicines, subject to the pharmacy's conditions and service area
How much does Telemedicine insurance cost?
Premiums from THB 4,290 per year, as at 14 October 2026. Underwriting and renewal are as set by the insurer, and you should check the latest price before you apply each time.
Worked example: the premium compared with the limit you can use
- Average premium per month: 4,290 ÷ 12 = about THB 358
- The telemedicine limit of THB 10,000 for the year is about 2.3 times the premium (10,000 ÷ 4,290)
- If you use the emergency ambulance for all 3 trips, you receive a further 1,000 × 3 = THB 3,000
This example is for illustration only. Whether it is worth it depends on how often you use the service. If you are hardly ever ill during the year, most of the premium will go unused. If you consult a doctor about common symptoms several times a year, the benefit of this plan will be much clearer.
Who is Telemedicine insurance for?
- Working people who find it hard to take time off to go to hospital but often have minor illnesses, such as colds, fever, headaches or stomach ache
- People who have no outpatient cover from group insurance or employee benefits
- People who live far from a hospital and want advice about medicines before deciding whether to travel
- People who also want basic accident cover
Who should not buy this plan yet?
- People who have no hospital treatment insurance at all: this plan is not full inpatient or outpatient health insurance. If you are admitted to hospital, this plan gives no limit for treatment costs. You should have inpatient insurance first.
- People with a chronic condition who need continuing care from a specialist: the service depends on the symptom groups Clicknic supports and on the doctor's assessment. Not every symptom is covered.
- People who are not comfortable using an app or video calls: the main cover is used through the Clicknic app
- People who only want accident insurance: if you won't use the telemedicine service, separate accident insurance gives a higher sum insured for a lower premium
- People over 60 who want to apply as new customers, because applications are accepted up to age 60
Limits to check before you decide
- 30-day waiting period: the insurer does not pay benefits for any illness that arises in the first 30 days after the policy first takes effect
- The THB 10,000 telemedicine limit is an overall limit for the whole year, not per consultation
- The emergency ambulance is paid only when you have to be admitted as an inpatient, and the transport must be medically necessary, up to 3 trips
- Medicine delivery and the ambulance are available in Thailand only, even though the rest of the cover is worldwide
- Not every symptom can be handled by an online consultation. In an emergency, go to hospital or call for an ambulance immediately.
- One policy per person. Applicants must be aged 16–60 and of Thai nationality, and renewal is possible up to age 70, as the insurer decides.
If you want cover specifically for the illnesses office workers commonly get, both outpatient and inpatient, see office syndrome insurance. If you want full inpatient treatment costs, 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
- What health insurance or medical benefits do you currently have?
Our team will check whether this plan overlaps with what you already have, and reply within a business day. If another plan suits your needs better, we will tell you straight. Or apply online through Bangkok Insurance's system.
LINE Official: @prakanthai · Tel. +66 2 459 2223
Frequently asked questions
Do I need a medical check-up before applying?
The product information states that you can apply without a health check. Acceptance is subject to the insurer's conditions.
Can I use it to consult a doctor when I travel abroad?
Cover is worldwide, subject to the policy conditions, but medicine delivery and emergency ambulance services are available in Thailand only.
If I have severe stomach pain at 02:00, should I use the app or go to hospital?
If the symptoms are severe or an emergency, go to hospital or call for an ambulance immediately. Online consultation suits common symptoms that Clicknic supports and that the doctor can assess remotely.
Can I apply at exactly 60, and until what age can I renew?
Applicants must be aged 16–60. Age is counted by rounding any days or months up to a full year, and you can renew continuously up to age 70, as the insurer decides.
Can I take out 2 policies to increase the limit?
No. Each insured may hold only 1 policy.
Who approves claims: Prakanthai.com or Bangkok Insurance?
Underwriting and benefit payments are decided by Bangkok Insurance, and the telemedicine service follows Clicknic's conditions. As the broker, Prakanthai.com helps with advice and coordination for you.
Notes
The coverage and premium information on this page is based on the Telemedicine health insurance product page and coverage table 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.