Personal Accident Insurance

If health insurance is preparation for “illness,” Personal Accident (PA) insurance is the shield for “unexpected events.” The standout feature of this insurance type is that it is “easy to apply for, requires no medical check-up, and provides immediate coverage.” To give you a clear picture, I have summarized the key points of PA insurance as follows:

1. Core Coverage (Essential Policy Features)

Medical Expenses per Accident: Pays the actual costs incurred from an accident (e.g., falls, dog bites, cuts, car crashes) without requiring hospitalization.
Death or Dismemberment (PA.1 / PA.2): Provides a lump-sum payment to beneficiaries or the insured person.
Income Compensation: Provides a daily benefit if you are hospitalized due to an accident.

Special Note: Some plans also cover “murder or assault” and “accidents while riding or traveling as a passenger on a motorcycle” (which are typically standard exclusions, so please check carefully).

2. Why Should You Have PA Insurance?

Very Affordable Premiums: Paying only 1,000 – 3,000 Baht per year can provide medical coverage in the tens of thousands and life coverage in the hundreds of thousands.
No Cash Advance Required: Most providers issue a “Care Card” that you can present at contracted hospitals, which is extremely convenient during an emergency.
24-Hour Protection: Whether you are at home, at work, or traveling upcountry or abroad (please verify the geographic coverage area in your policy again).