Happy PA accident insurance
- Published: 4 August 2026
Happy PA accident insurance
Personal accident insurance
Aims to ease financial hardship if the insured dies, suffers dismemberment or total permanent disability, or needs medical treatment
as a result of an accident, including murder or assault, as well as funeral expenses in the event of accidental death
Coverage
Personal accident insurance gives comprehensive cover 24 hours a day worldwide, whether you are working, relaxing, travelling or on holiday
- Death
- Loss of limbs or sight
- Total permanent disability
- Medical expenses (plans with medical expenses only)
- Murder or assault
- Riding a motorcycle as driver or passenger
- Funeral expenses in the event of death from accidental injury
Underwriting conditions
1. The insured must be a Thai national or a foreigner legally resident in Thailand, aged 16 to 60; the policy can be renewed continuously up to age 65. Age is calculated by rounding up any part of a day or month
2. Occupations accepted: business owners, people in management, administrative or clerical work, or sales in business or trade, who mostly work in an office and only occasionally outside it
3. Occupations with a high risk of accidents are not accepted
4. The insured may hold up to 2 policies, with a sum insured of up to THB 5,000,000
5. Acceptance and renewal of policies are at the insurer's discretion
Exclusions
- Acts of the insured while under the influence of alcohol or narcotics
- Suicide, attempted suicide or self-harm
- Infection or parasites, except infection, tetanus or rabies resulting from a wound sustained in an accident
- Medical or surgical treatment, except where needed because of an accident covered under this policy and carried out within the time limit set in the policy
- Miscarriage
- Dental or root canal treatment, except treatment given within 7 days of the accident
- Replacing or fitting dentures, dental crowns or other dental prosthetics
- Food poisoning
- Back pain caused by a slipped disc pressing on a nerve
- War, invasion or hostile acts of foreign enemies
- Terrorism
- Radiation or radioactive contamination from nuclear fuel
- Explosion of radioactive or nuclear material, or of any other hazardous material that may explode in a nuclear process
- While the insured person is taking part in any kind of car or boat race
- While the insured person is boarding, leaving or travelling in an aircraft not registered to carry passengers
- While the insured person is piloting or serving as crew on any aircraft
- While the insured person is taking part in a fight or provoking one
- While the insured person is committing a serious crime, or being arrested or escaping arrest
- While the insured person is serving as a soldier, police officer or volunteer and taking part in war or suppression operations
Premium table
|
Without medical expenses |
||
|---|---|---|
|
Sum insured |
Funeral expenses |
Premium |
| 500,000 |
10,000 |
770 |
| 600,000 |
10,000 |
930 |
| 700,000 |
10,000 |
1,080 |
| 800,000 |
10,000 |
1,240 |
| 900,000 |
10,000 |
1,390 |
| 1,000,000 |
10,000 |
1,550 |
| 1,500,000 |
10,000 |
2,320 |
| 2,000,000 |
10,000 |
3,090 |
| 2,500,000 |
10,000 |
3,860 |
| 3,000,000 |
10,000 |
4,630 |
|
With medical expenses |
|||
|---|---|---|---|
|
Sum insured |
Medical expenses |
Funeral expenses |
Premium |
| 500,000 | 50,000 |
10,000 |
2,500 |
| 600,000 | 60,000 |
10,000 |
2,800 |
| 700,000 | 70,000 |
10,000 |
3,100 |
| 800,000 | 80,000 |
10,000 |
3,400 |
| 900,000 | 90,000 |
10,000 |
3,700 |
| 1,000,000 | 100,00 |
10,000 |
4,000 |
| 1,500,000 | 150,000 |
10,000 |
5,400 |
| 2,000,000 | 200,000 |
10,000 |
7,000 |
| 2,500,000 | 250,000 |
10,000 |
8,700 |
| 3,000,000 | 300,000 |
10,000 |
10,600 |
Notes
1. Your health declaration is one of the factors considered in accepting the insurance or paying benefits under the insurance contract
2. Always read the coverage details and conditions carefully before deciding to buy insurance
3. The premiums above include stamp duty
Price: THB 770 | Start date: 1 July 2024 |
End date: 31 December 2027 |