Personal Accident Insurance costing 30 cents-a-day can save you $1000s

And cover you for accidents and out-patient treatment your main insurance won't!

Deadly mix

Chiang Mai has the worst traffic accident rate of all South East Asia


Tired trucks and bus drivers can’t see smaller vehicles

bad driving

The driving standards are lower than Western Countries


Many drive without the required license or insurance


Monsoons, flooding and high-winds add additional danger


No-brainer Personal Accident Cover

Many save money on their main Health Insurance by agreeing to a high deductible. This effectively renders your insurance useless for everyday accidents.

Pay just 10 baht per day to get 100,000b cover – per accident!


Critical benefits include

Personal Accident Icon

100,000 baht

Plan 1: Unlimited coverage of medical expenses of up to 100,000 Baht per accident

Personal Accident Icon

50,000 baht
Cover Per accident

Plan 2: Unlimited coverage of medical expenses of up to 50,000 Baht per accident

365 Days cover

Daily hospitalization benefits of 1,000 Baht per day for up to 365 days per accident

Nationally Recognised

Medical treatment following an accident at 250+ AZCP contract hospitals

No Medical

No medical required. Easy application process. Don’t forget, and regret it later

real-life scenarios

Three real-life accident scenarios, and how your Insurance would or would not cover you.

The following three case study examples are ‘real‘, only the names have been changed for anonymity.





Personal Accident Cover – Plan 2
Full medical cover


No Personal Accident Insurance
Full medical cover


Personal Accident Cover – Plan 1
Full medical cover

Slip in the shower

Anthony’s slipped in the shower and cut his back. He treated the cut himself. After a few days the cut became infected and required hospital treatment.

Dog Bite

Mary had been bitten by a street dog. She wisely visited the hospital who gave her rabies shots and treated the wound. She also needed several follow-up treatments.

A broken leg

Her leg was broken quite badly, and an ambulance was needed to collect her.

7,123 ฿

The doctors’ consultations, treatment, medication and follow up treatment was covered and paid for by the personal accident insurance policy.

15,000 ฿

Her general health insurance had a $2000 deductible, and thus could not claim.

120,000 ฿

She had an accident policy covering up to 100,000 Baht. Also had a health policy covering $500,000 USD with a $2,000 deductible (60,000 Baht).

Full claim

Anthony was able to claim 100%, and without having to pay first and claim later.

Total cost: 0 baht

No Claim!

In this situation a Personal Accident insurance would have covered all of Mary’s treatments including the Rabies shots, and the follow-up out-patient treatments.

Total cost: 15,000 baht

Claim & Cash

She claimed the first 100,000 Baht on her PA insurance, and paid the remaining 20,000 baht her self.

Total cost: 20,000 baht
PA insurance saved her 40,000 baht

Personal Accident Plans

Which plan is best for you?

Costs are based on age. View the summary of cover below. Tap the orange button below to get your costs.

Medical Expenses arising from an accident per each occurrence
50,000 ฿
100,000 ฿
Broken Bones, Burns, or Internal Injuries
10,000 ฿
20,000 ฿
Loss of Life, Dismemberment, Loss of Sight , or Total Permanent Disability
500,000 ฿
1,000,000 ฿
Permanent Disability - Public Transportation
500,000 ฿
1,000,000 ฿
Permanent Disability - Official Thai Holiday
500,000 ฿
1,000,000 ฿
Murder or Assault
250,000 ฿
500,000 ฿
Accident while riding or traveling as a passenger on a motorcycle
250,000 ฿
500,000 ฿


Do I have to purchase Personal Accident Insurance with a General Annual Policy?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard

Is deductible the same as 'Excess'?

It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout.

If I buy Personal Accident Insurance - can I cancel my General Health cover?

Contrary to popular belief, Lorem Ipsum is not simply random text. It has roots in a piece of classical

Other questions?

There are many variations of passages of Lorem Ipsum available, but the majority have suffered alteration

Can I have two separate Health Insurance policies running at the same time?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. It has been the industry’s standard

Other questions?

Yes, in fact that a reader will be distracted by the readable content of a page when looking at its layout.

Personal Accident Insurance

– Thailand –


"He knows his stuff!"
Making expat financial products transparent and honest is not an easy job, yet you always deliver with a smile
Jacob Mellor
Chiang Mai
The pain of a dog bite is negligible. The peace of mind in getting timely treatment with a solid insurance policy is priceless"
Kate Harrah
Chiang Mai
When we found ourselves in predicaments no one could have foreseen, they both jumped in and went out of their way to help us.… "They gave us quick personal service with out-of-the-box solutions. We couldn't be happier!
Carol Nelson
Chiang Mai
Insurance seems so confusing sometimes and then being an expat with not knowing the language makes a bit more unnerving . Insurance is meant to put your mind at ease and be there for you in an emergency . You have helped with putting my mind at ease .
Chiang Mai
Without Andy’s competence and Thai language expertise, I would have had a much more difficult experience dealing in a stressful situation
Douglas Canete
Chiang Mai
Andy’s been brokering insurance in Thailand for 12 years and saved many expats from disaster. He speaks scholarly Thai and knows how to deal with insurers and hospitals
Godfree Roberts
Chiang Mai

Get your cost

Get covered

Tap below to confirm your cost. Don’t forget it and regret it later.

Personal Accident Insurance

Personal Accident Insurance

Injury icon - personal accident insurance

Just 10 baht per day for 100,000 baht of Personal Accident cover.

Get your exact quote below…