Key Features of This Plan
เมืองไทยประกันชีวิต 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, เมืองไทยประกันชีวิต stands out for its comprehensive coverage with 10 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
เมืองไทยประกันชีวิต 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 เมืองไทยประกันชีวิต to find the best fit
| Coverage | 1 | 2 | D Care | D Care Popular | 3 | Multiple CI | 4 | CI Perfect Care | Happy Living | 5 |
|---|---|---|---|---|---|---|---|---|---|---|
| Main Coverage | ||||||||||
| 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) | 0.5 | 0 (no separate intermediate stage) | 0 (no separate intermediate stage) |
| Early stage payout | 60,000 (breast/cervix · remaining 70% stays) | 120,000 (breast/cervix · remaining 70% stays) | 1 | 1 | 180,000 (breast/cervix · remaining 70% stays) | - | 240,000 (breast/cervix · remaining 70% stays) | 0.25 | 0 (no early-stage benefit) | 300,000 (breast/cervix · remaining 70% stays) |
| Severe stage payout | 200,000 | 400,000 | 1 | 1 | 600,000 | 1 | 800,000 | 1 | 1 | 1,000,000 |
| Max total benefit | 640,000 (critical illness 100% + hysterectomy 30% + mastectomy 30% + reconstruction, max 100% + pregnancy 20% + postpartum 40%) | 1,280,000 (critical illness 100% + hysterectomy 30% + mastectomy 30% + reconstruction, max 100% + pregnancy 20% + postpartum 40%) | - | - | 1,920,000 (critical illness 100% + hysterectomy 30% + mastectomy 30% + reconstruction, max 100% + pregnancy 20% + postpartum 40%) | 4 | 2,560,000 (critical illness 100% + hysterectomy 30% + mastectomy 30% + reconstruction, max 100% + pregnancy 20% + postpartum 40%) | 1.2 | 1 | 3,200,000 (critical illness 100% + hysterectomy 30% + mastectomy 30% + reconstruction, max 100% + pregnancy 20% + postpartum 40%) |
| Multi-pay (max claims) | 1 (critical illness once · surgery benefit paid separately) | 1 (critical illness once · surgery benefit paid separately) | - | - | 1 (critical illness once · surgery benefit paid separately) | 4 (once per group · unclaimed groups covered 10 more years · no premium after the first claim) | 1 (critical illness once · surgery benefit paid separately) | 1 (staged 25% → 50% → 100% until 100% is paid; contract ends) | 1 (death or critical illness, one case only) | 1 (critical illness once · surgery benefit paid separately) |
| Total diseases covered | 4 (breast cancer · cervical · female reproductive organs · SLE) | 4 (breast cancer · cervical · female reproductive organs · SLE) | - | - | 4 (breast cancer · cervical · female reproductive organs · SLE) | 35 | 4 (breast cancer · cervical · female reproductive organs · SLE) | 36 | 30 | 4 (breast cancer · cervical · female reproductive organs · SLE) |
| Cancer · severe | - | - | 500,000 | - | - | - | - | - | - | - |
| Heart & vascular · severe | - | - | 500,000 | - | - | - | - | - | - | - |
| Major-organ transplant · severe | - | - | 500,000 | - | - | - | - | - | - | - |
| Nervous system & muscle · severe | - | - | 500,000 | - | - | - | - | - | - | - |
| Other diseases · severe | - | - | 500,000 | - | - | - | - | - | - | - |
| Cancer · early + severe | - | - | 250,000 (early 100% · severe 200% less any early payout) | - | - | - | - | - | - | - |
| Heart & vascular · early + severe | - | - | 250,000 (early 100% · severe 200% less any early payout) | - | - | - | - | - | - | - |
| Major-organ transplant · early + severe | - | - | 250,000 (early 100% · severe 200% less any early payout) | - | - | - | - | - | - | - |
| Nervous system & muscle · early + severe | - | - | 250,000 (early 100% · severe 200% less any early payout) | - | - | - | - | - | - | - |
| Other diseases · early + severe | - | - | 250,000 (early 100% · severe 200% less any early payout) | - | - | - | - | - | - | - |
| Popular diseases · severe | - | - | - | 500,000 | - | - | - | - | - | - |
| Popular diseases · early + severe | - | - | - | 250,000 (early 100% · severe 200% less any early payout) | - | - | - | - | - | - |
| Multi-Pay Critical Illness | - | - | - | - | - | 4 groups (Group 1 heart/vascular (8) · Group 2 cancer (2) · Group 3 major organ transplant / end-stage liver, lung, kidney (6) · Group 4 other critical illnesses (19)) | - | - | - | - |
| Additional Coverage | ||||||||||
| Hysterectomy benefit | 60,000 | 120,000 | - | - | 180,000 | - | 240,000 | - | - | 300,000 |
| Breast reconstruction / facial skin graft (up to) | 200,000 | 400,000 | - | - | 600,000 | - | 800,000 | - | - | 1,000,000 |
| Post-childbirth complication benefit | 80,000 (paid once · 300-day wait) | 160,000 (paid once · 300-day wait) | - | - | 240,000 (paid once · 300-day wait) | - | 320,000 (paid once · 300-day wait) | - | - | 400,000 (paid once · 300-day wait) |
| Waiting period — first claim | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 90 | 30 (Alzheimer's · aplastic anemia 90 days) | 90 |
| Full breast mastectomy | 60,000 | 120,000 | - | - | 180,000 | - | 240,000 | - | - | 300,000 |
| Gender-Specific / Lady Cancer | Covered (breast · cervix · uterus/ovary/fallopian tube/vagina/vulva · SLE) | Covered (breast · cervix · uterus/ovary/fallopian tube/vagina/vulva · SLE) | - | - | Covered (breast · cervix · uterus/ovary/fallopian tube/vagina/vulva · SLE) | - | Covered (breast · cervix · uterus/ovary/fallopian tube/vagina/vulva · SLE) | - | - | Covered (breast · cervix · uterus/ovary/fallopian tube/vagina/vulva · SLE) |
| Maternity - Complications | 40,000 (paid once · 300-day wait) | 80,000 (paid once · 300-day wait) | - | - | 120,000 (paid once · 300-day wait) | - | 160,000 (paid once · 300-day wait) | - | - | 200,000 (paid once · 300-day wait) |
| Death Benefit | - | - | - | - | - | - | - | 1 | 1 | - |
| Selected sum insured (total) | - | - | - | - | - | - | - | - | - | - |
| Critical illness benefit per disease group (one SA, all 4 groups) | - | - | - | - | - | - | - | - | - | - |
| Invasive cancer | - | - | - | - | - | covered (group 2) | - | covered | Covered | - |
| Acute heart attack | - | - | - | - | - | covered (group 1) | - | covered | Covered | - |
| Stroke | - | - | - | - | - | covered (group 1) | - | covered | Covered | - |
| Chronic kidney failure | - | - | - | - | - | covered (group 3) | - | covered | Covered | - |
| Major organ / bone-marrow transplant | - | - | - | - | - | covered (group 3) | - | covered | Covered | - |
| Additional benefit — coronary angioplasty | - | - | - | - | - | - | - | 0.1 | - | - |
| Additional benefit — diabetes complication | - | - | - | - | - | - | - | 0.1 | - | - |
| Total permanent disability | - | - | - | - | - | - | - | covered | Covered | - |
| Starting Premium | ≈ 4,889* /yr | ≈ 5,197* /yr | ≈ 5,248* /yr | ≈ 5,348* /yr | ≈ 5,561* /yr | ≈ 6,128* /yr | ≈ 6,367* /yr | ≈ 7,968* /yr | ≈ 9,628* /yr | ≈ 10,628* /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 | เมืองไทยประกันชีวิต | |
|---|---|---|
| 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
เมืองไทยประกันชีวิต pays
95,000 THB
Pay as actual, no per-visit limit
You pay
0 THB
Cashless at network hospitals
Frequently Asked Questions
เมืองไทยประกันชีวิต คุ้มครองอะไรบ้าง?
เมืองไทยประกันชีวิต มี 27 แผนให้เลือก เบี้ยเริ่มต้นเพียง ฿4,889/ปี ดูรายละเอียดความคุ้มครองแต่ละแผนได้ในตารางเปรียบเทียบ
ซื้อผ่านเช็คดิต่างจากซื้อตรงกับบริษัทประกันอย่างไร?
ราคาเดียวกัน แต่ซื้อผ่านเช็คดิช่วยเปรียบเทียบแผนจากหลายบริษัทได้ในที่เดียว สมัครออนไลน์ได้ทันที
ยกเลิกกรมธรรม์ได้หรือไม่?
ได้ ภายใน 15 วันแรกของการรับกรมธรรม์ (Free Look Period) ได้รับเบี้ยคืนเต็มจำนวน
ลดหย่อนภาษีได้หรือไม่?
เบี้ยประกันสามารถนำไปลดหย่อนภาษีได้ตามหลักเกณฑ์ของกรมสรรพากร
About เมืองไทยประกันชีวิต
เมืองไทยประกันชีวิต
เมืองไทยประกันชีวิต 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.
