Inpatient health insurance plan
- Published: 11 October 2026
Inpatient health insurance plan
Choose the cover that suits you, at a price that is good value
Covers inpatient hospital stays up to THB 1,000,000
Includes medical expenses and room charges; rest easy with a good-value premium
Coverage table
| Coverage | Benefits | ||
|---|---|---|---|
| Plan 1 | Plan 2 | Plan 3 | |
| 1. Inpatient (IPD) benefits Section 1: Room, board and hospital services (inpatient) 1.1 Standard room charges per day (up to 60 days per admission) 1.2 Intensive care room charges per day (up to 15 days per admission) |
4,000 |
6,000 |
8,000 |
| Section 2: Medical services for diagnosis or treatment, blood and blood components nursing services, medicines, intravenous nutrition and medical supplies, per inpatient admission | Actual cost | Actual cost | Actual cost |
| Section 3: Physician fees (doctor's visits) (up to 60 days per inpatient admission) | Actual cost | Actual cost | Actual cost |
| Section 4: Surgical treatment and procedures, per inpatient admission | Actual cost | Actual cost | Actual cost |
| Section 5: Major surgery without inpatient admission (Day Surgery) | Actual cost | Actual cost | Actual cost |
| 2. Benefits without inpatient admission | |||
| Section 6: Diagnostic medical services directly related to an inpatient admission, before and after it or outpatient treatment continuing from, or directly related to, an inpatient admission and given within 30 days after it Before and after an inpatient admission | Actual cost | Actual cost | Actual cost |
| Section 7: Outpatient treatment of injuries within 24 hours of an accident, per accident | Actual cost | Actual cost | Actual cost |
| Section 8: Rehabilitation after an inpatient admission, per inpatient admission | Not covered | Not covered | Not covered |
| Section 9: Haemodialysis for chronic kidney failure, per policy year | Not covered | Not covered | Not covered |
| Section 10: Treatment of tumours or cancer by radiotherapy, interventional radiology or nuclear medicine per policy year | Not covered | Not covered | Not covered |
| Section 11: Chemotherapy for cancer, per policy year | Not covered | Not covered | Not covered |
| Section 12: Emergency ambulance services | Actual cost | Actual cost | Actual cost |
| Section 13: Minor surgery | Actual cost | Actual cost | Actual cost |
| Maximum benefits Combined maximum for Sections 1–7 and 12–13, per policy year | 300,000 | 700,000 | 1,000,000 |
Premium table
| Age (years) | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
16-20 | 9,000 | 13,000 | 18,500 |
21-25 | 9,000 | 13,000 | 18,500 |
26-30 | 9,500 | 13,500 | 19,000 |
31-35 | 9,500 | 14,500 | 20,500 |
36-40 | 11,000 | 18,000 | 25,500 |
41-45 | 12,000 | 20,000 | 28,000 |
46-50 | 12,000 | 20,000 | 28,000 |
51-55 | 15,000 | 22,500 | 28,500 |
56-60 | 17,000 | 24,500 | 35,000 |
61–70 (renewals only) | 17,000 | 24,500 | 35,000 |
Underwriting conditions
1. Accepts Thai nationals aged 16 to 60; the policy can be renewed continuously up to age 70. Age is calculated by rounding up any part of a day or month
2. The premium rises with each age band
3. The insurer will not pay benefits under this policy for any chronic disease, injury or illness (including complications) not yet cured before the date this policy first takes effect
4. The insurer covers treatment outside Thailand only for a sudden and unforeseeable injury or illness that occurs while abroad and requires treatment as an inpatient
5. Period of cover: 1 year
6. Acceptance or renewal of the policy is as determined by the insurer
Notes
1. Waiting period (not covered):
1.1 The insurer will not pay benefits under this policy for any illness that occurs within 30 days after the policy first takes effect, and
1.2 The insurer will not pay benefits under this policy for the following illnesses occurring within 120 days after the policy first takes effect
- Tumours, cysts or cancer of any kind
- Haemorrhoids
- Hernia of any kind
- Pterygium or cataract
- Removal of tonsils or adenoids - Stones of any kind
- Varicose veins of the legs - Endometriosis
2. Always read the coverage details and conditions carefully before deciding to buy insurance
3. The premiums shown include stamp duty and VAT