Q: Which company should I purchase health and accident insurance from?
A: All is good, but you need to study details and choose the one that fits you most.
- Coverage details
- Coverage limit and premium
- Payment conditions such as payment based on actual amount, lump sum amount for medical expenses, advance payment, daily compensation during hospitalization, etc.
You can contact agents of Muang Thai Life Assurance or visit any branches of Kasikornbank to get some advice about the right insurance plan at free of charge.
Q: Please recommend health and accident insurance that does not require advance payment.
A: I would like to recommend Elite Health insurance which covers both illnesses and accidents by just simply presenting a card at any network hospitals to receive prompt services without advance payment.
Coverage is 20 - 100 million Baht per year. The insurance covers IPD, OPD (coverage plans 2, 3 or 4) and emergency patient. Healthcare anywhere worldwide.
Q: What is the best PA insurance with inexpensive premium and considerable medical expense coverage? I am using motorcycle and public transport.
A: I recommend PA Go insurance. Premium starts only from 2,199 Baht/year and it covers medical expense due to accident of 50,000 Baht without advance payment required. You just simply present Easy PA Credit card to any 400 network hospitals nationwide. Moreover, you will receive life coverage of up to 500,000 Baht.
Q: Does accident insurance cover only accident from vehicles or cover other accidents as well?
A: Accident insurance of Muang Thai Life Assurance covers general accidents including accidents from riding or being a passenger of a motorcycle, but there are exclusions, such as:
- Accidents due to the influence of alcohol, narcotic substance or narcotic drugs that impairs the mental faculty
- Accidents due to self-inflicted injury, suicide attempt
- Accidents due to terrorism, etc.
However, it is subject to conditions of each insurance plan.
Q: Which insurance plan do you recommend if I need to take a leave due to accident and lose my income?
A: I recommend PA Sabai Chai insurance that covers medical expense due to accident of up to 30,000 Baht and gives daily compensation benefit of up to 3,000 Baht in case of hospitalization as well as life coverage of up to 2 million Baht.