Key Features of This Plan
กรุงเทพประกันชีวิต offers flexible coverage
Expert Review
CHECKDi
CheckDi Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, กรุงเทพประกันชีวิต stands out for its comprehensive coverage with 14 plan levels, affordable starting premium, actual-cost IPD and ICU, and cashless hospital network.
✅ Why CheckDi Recommends
- Comprehensive coverage, no per-visit limit
- Nationwide hospital network, cashless
- Starting premium below market average
⚠️ Things to Know Before Deciding
- 30-day waiting period
- OPD may require add-on purchase
- Read policy details before deciding
Who Is This For
กรุงเทพประกันชีวิต is designed for multiple lifestyles
Office Workers / Freelancers
No company benefits or insufficient coverage
Families
Want peace of mind that medical costs won't impact savings
Frequent Travelers
Need coverage both domestic and international
Young Professionals Starting to Plan
Low premiums at young age, upgrade as income grows
Coverage Comparison
Compare plans from กรุงเทพประกันชีวิต to find the best fit
| Coverage | 1 | BLA Super Care | Bronze | 2 | Silver | 3 | Gold | 4 | Emerald | 5 | Diamond | CI & Mortality Protection | 6 | 7 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Main Coverage | ||||||||||||||
| Invasive cancer benefit | 100,000 | 1 | 300,000 | 200,000 | 500,000 | 300,000 | 1,000,000 | 400,000 | 2,000,000 | 500,000 | 3,000,000 | 1 | 750,000 | 1,000,000 |
| Non-invasive cancer benefit | 20,000 (per occurrence, cumulative max 100% of rider SA) | - | 60,000 | 40,000 (per occurrence, cumulative max 100% of rider SA) | 100,000 | 60,000 (per occurrence, cumulative max 100% of rider SA) | 200,000 | 80,000 (per occurrence, cumulative max 100% of rider SA) | 400,000 | 100,000 (per occurrence, cumulative max 100% of rider SA) | 600,000 | - | 150,000 (per occurrence, cumulative max 100% of rider SA) | 200,000 (per occurrence, cumulative max 100% of rider SA) |
| CI benefit — intermediate stage | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) |
| Early stage payout | 20,000 (non-invasive cancer only, per occurrence, cumulative max 100% of rider SA) | - | - | 40,000 (non-invasive cancer only, per occurrence, cumulative max 100% of rider SA) | - | 60,000 (non-invasive cancer only, per occurrence, cumulative max 100% of rider SA) | - | 80,000 (non-invasive cancer only, per occurrence, cumulative max 100% of rider SA) | - | 100,000 (non-invasive cancer only, per occurrence, cumulative max 100% of rider SA) | - | - | 150,000 (non-invasive cancer only, per occurrence, cumulative max 100% of rider SA) | 200,000 (non-invasive cancer only, per occurrence, cumulative max 100% of rider SA) |
| Severe stage payout | 100,000 | 1 | - | 200,000 | - | 300,000 | - | 400,000 | - | 500,000 | - | 1 | 750,000 | 1,000,000 |
| Max total benefit | 1 | 6 | - | 1 | - | 1 | - | 1 | - | 1 | - | 1 | 1 | 1 |
| Multi-pay (max claims) | 1 (severe CI once; non-invasive cancer claimable multiple times, cumulative max 100% of rider SA) | 6 (1 claim per disease group) | - | 1 (severe CI once; non-invasive cancer claimable multiple times, cumulative max 100% of rider SA) | - | 1 (severe CI once; non-invasive cancer claimable multiple times, cumulative max 100% of rider SA) | - | 1 (severe CI once; non-invasive cancer claimable multiple times, cumulative max 100% of rider SA) | - | 1 (severe CI once; non-invasive cancer claimable multiple times, cumulative max 100% of rider SA) | - | - | 1 (severe CI once; non-invasive cancer claimable multiple times, cumulative max 100% of rider SA) | 1 (severe CI once; non-invasive cancer claimable multiple times, cumulative max 100% of rider SA) |
| Total diseases covered | 11 | 47 (In 6 groups of critical illnesses) | - | 11 | - | 11 | - | 11 | - | 11 | - | 17 | 11 | 11 |
| Death Benefit | 50,000 | 0 (Not covered) | 100,000 | 50,000 | 100,000 | 50,000 | 100,000 | 50,000 | 100,000 | 50,000 | 100,000 | 1 | 50,000 | 50,000 |
| Daily income (cancer inpatient) | - | - | 3,000 (max 100 days per claim and 500 days per policy term) | - | 5,000 (max 100 days per claim and 500 days per policy term) | - | 10,000 (max 100 days per claim and 500 days per policy term) | - | 10,000 (max 100 days per claim and 500 days per policy term) | - | 10,000 (max 100 days per claim and 500 days per policy term) | - | - | - |
| Additional Coverage | ||||||||||||||
| Waiting period — first claim | 90 (from rider effective date) | 90 | - | 90 (from rider effective date) | - | 90 (from rider effective date) | - | 90 (from rider effective date) | - | 90 (from rider effective date) | - | 90 | 90 (from rider effective date) | 90 (from rider effective date) |
| Maturity Benefit | 50,000 | - | 100,000 | 50,000 | 100,000 | 50,000 | 100,000 | 50,000 | 100,000 | 50,000 | 100,000 | - | 50,000 | 50,000 |
| Invasive cancer | Covered (invasive (clause 2.1) and non-invasive (clause 2.2)) | Covered (Group 1 · cancer and tumours) | Covered (all stages) | Covered (invasive (clause 2.1) and non-invasive (clause 2.2)) | Covered (all stages) | Covered (invasive (clause 2.1) and non-invasive (clause 2.2)) | Covered (all stages) | Covered (invasive (clause 2.1) and non-invasive (clause 2.2)) | Covered (all stages) | Covered (invasive (clause 2.1) and non-invasive (clause 2.2)) | Covered (all stages) | Covered | Covered (invasive (clause 2.1) and non-invasive (clause 2.2)) | Covered (invasive (clause 2.1) and non-invasive (clause 2.2)) |
| Acute heart attack | Covered (clause 2.1) | Covered (Group 2 · heart, blood vessels and related conditions) | - | Covered (clause 2.1) | - | Covered (clause 2.1) | - | Covered (clause 2.1) | - | Covered (clause 2.1) | - | Covered | Covered (clause 2.1) | Covered (clause 2.1) |
| Stroke | Covered (clause 2.1 · 100% of the sum assured) | Covered (Group 2 · heart, blood vessels and related conditions) | - | Covered (clause 2.1 · 100% of the sum assured) | - | Covered (clause 2.1 · 100% of the sum assured) | - | Covered (clause 2.1 · 100% of the sum assured) | - | Covered (clause 2.1 · 100% of the sum assured) | - | Covered | Covered (clause 2.1 · 100% of the sum assured) | Covered (clause 2.1 · 100% of the sum assured) |
| Chronic kidney failure | - | Covered (Group 3 · major organs and body systems) | - | - | - | - | - | - | - | - | - | Covered | - | - |
| Major organ / bone-marrow transplant | - | Covered (Group 3 · major organs and body systems) | - | - | - | - | - | - | - | - | - | Covered | - | - |
| Death benefit from cancer | - | - | 300,000 | - | 500,000 | - | 1,000,000 | - | 2,000,000 | - | 3,000,000 | - | - | - |
| Starting Premium | ≈ 1,966* /yr | ≈ 2,606* /yr | ≈ 2,615* /yr | ≈ 2,808* /yr | ≈ 3,043* /yr | ≈ 3,650* /yr | ≈ 4,023* /yr | ≈ 4,492* /yr | ≈ 4,901* /yr | ≈ 5,334* /yr | ≈ 5,691* /yr | ≈ 5,916* /yr | ≈ 7,439* /yr | ≈ 9,544* /yr |
* Starting price for the lowest-risk profile. Actual price varies by age, gender, and insurer conditions.
Comparison: Private Health Insurance vs Social Security
Why is comprehensive health insurance essential, even with social security?
| Social Security | กรุงเทพประกันชีวิต | |
|---|---|---|
| Coverage Amount | Per entitlement (limited) | Up to 30M THB/year |
| Choose Hospital | ❌ Must use assigned hospital | ✅ Choose from 1,000+ |
| Private Room | ❌ Shared ward | ✅ Private room available |
| Advance Payment | Not needed (but limited hospitals) | ✅ Cashless at network hospitals |
| Outpatient (OPD) | ✅ Per entitlement | ✅ Add-on available |
| Critical Illness | Limited by criteria | ✅ Pay as actual |
| Tax Deduction | ❌ | ✅ Up to 25,000 THB |
Terms & Conditions
Claims Process
Real Claims Example
Simulated scenario showing how insurance helps
👩
Ms. Somying, age 35
Premium 12,500 THB/year
SCENARIO
Severe abdominal pain, emergency appendectomy at private hospital, 3-day stay
Room + meals (3 days)
12,000 THB
Surgery + doctor fees
65,000 THB
Medicine + medical supplies
18,000 THB
Total medical costs
95,000 THB
กรุงเทพประกันชีวิต pays
95,000 THB
Pay as actual, no per-visit limit
You pay
0 THB
Cashless at network hospitals
Frequently Asked Questions
กรุงเทพประกันชีวิต คุ้มครองอะไรบ้าง?
กรุงเทพประกันชีวิต มี 14 แผนให้เลือก เบี้ยเริ่มต้นเพียง ฿1,966/ปี ดูรายละเอียดความคุ้มครองแต่ละแผนได้ในตารางเปรียบเทียบ
ซื้อผ่านเช็คดิต่างจากซื้อตรงกับบริษัทประกันอย่างไร?
ราคาเดียวกัน แต่ซื้อผ่านเช็คดิช่วยเปรียบเทียบแผนจากหลายบริษัทได้ในที่เดียว สมัครออนไลน์ได้ทันที
ยกเลิกกรมธรรม์ได้หรือไม่?
ได้ ภายใน 15 วันแรกของการรับกรมธรรม์ (Free Look Period) ได้รับเบี้ยคืนเต็มจำนวน
ลดหย่อนภาษีได้หรือไม่?
เบี้ยประกันสามารถนำไปลดหย่อนภาษีได้ตามหลักเกณฑ์ของกรมสรรพากร
About กรุงเทพประกันชีวิต
กรุงเทพประกันชีวิต
กรุงเทพประกันชีวิต is a leading insurer in Thailand offering comprehensive health and non-life insurance products.
Legal & Consumer Protection
OIC Regulated
This plan is approved by the Office of Insurance Commission (OIC). Policyholders are protected by law.
File Complaint with OIC
If you have issues with claims or service, call OIC hotline 1186 or visit oic.or.th
CheckDi is a Licensed Non-Life Insurance Broker
CheckDi Co., Ltd. acts as an intermediary to compare and present insurance plans from leading insurers.
Free Look Period 15 days
Cancel within 15 days of receiving the policy for a full refund.
