Key Benefits of Personal Accident Insurance (PA)
Why PA Insurance is Important
Who Should Have Personal Accident Insurance (PA)?
Personal Accident Insurance is suitable for everyone because accidents can happen anytime, anywhere. However, certain groups should give it special consideration, such as:
Office Workers and the General Public
High-Risk Occupations or Hazardous Jobs
People Who Exercise or Play Sports Regularly
Heads of Household
Students
Frequent Travelers
Main Coverage of Personal Accident Insurance (PA)
1. Accidental Death
2. Permanent Disability or Loss of Limbs/Eyesight
3. Medical Expenses from Accidents
4. Daily Hospital Cash Benefit
5. Emergency Medical Service Expenses
Things to Know Before Purchasing Personal Accident Insurance (PA)
1. Read the Terms and Coverage Carefully
2. Select the Sum Insured According to Your Needs
3. Check the Limit for Each Medical Visit
4. Be Aware of the Waiting Period
5. Coverage Area
6. Family Coverage Option
7. Check for Overlapping Coverage
General Exclusions of Personal Accident Insurance (PA)
In general, PA insurance policies do not provide coverage for the following:
1. Suicide or Attempted Suicide
2. Accidents Under the Influence of Alcohol or Drugs
3. Driving Without a Valid License
4. Participation in High-Risk Sports or Activities
5. Acts of War, Invasion, or Riot
6. Medical Treatment Not Related to an Accident
7. Accidents Occurring During High-Risk Occupations
Personal Accident Insurance (PA) for Foreigners in Thailand
Personal Accident Insurance is one type of coverage that foreigners living in Thailand should consider. It can help cover medical expenses and provide compensation in the event of an unexpected accident.
Key benefits for foreigners include:
Protection anywhere, anytime whether traveling, working, or living in Thailand.
Private hospitals in Thailand offer high standards, but emergency care can be expensive for foreigners.
Most applicants only need to present a passport and fill out a short application form no health check required.
Provides additional accident coverage on top of any existing health insurance.
Main Coverage Included in the Plan for Foreigners
Suitable Foreign Customer Groups