Key Features of This Plan
โตเกียวมารีน 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, โตเกียวมารีน stands out for its comprehensive coverage with 5 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
โตเกียวมารีน 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 โตเกียวมารีน to find the best fit
| Coverage | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Main Coverage | |||||
| Cancer Detection Benefit (All Types, All Stages) | 100,000 (SA increases automatically on renewal: year 2 becomes 120,000, year 3+ 140,000) | 200,000 (SA increases automatically on renewal: year 2 becomes 240,000, year 3+ 280,000) | 300,000 (SA increases automatically on renewal: year 2 becomes 360,000, year 3+ 420,000) | 400,000 (SA increases automatically on renewal: year 2 becomes 480,000, year 3+ 560,000) | 500,000 |
| Invasive cancer benefit | 100,000 (all stages, lump-sum on diagnosis) | 200,000 (all stages, lump-sum on diagnosis) | 300,000 (all stages, lump-sum on diagnosis) | 400,000 (all stages, lump-sum on diagnosis) | 500,000 (all stages, lump-sum on diagnosis) |
| Skin Cancer Benefit | Not covered | Not covered | Not covered | Not covered | 100,000 |
| Non-invasive cancer benefit | 100,000 (all stages, lump-sum on diagnosis) | 200,000 (all stages, lump-sum on diagnosis) | 300,000 (all stages, lump-sum on diagnosis) | 400,000 (all stages, lump-sum on diagnosis) | 500,000 (all stages, lump-sum on diagnosis) |
| Max total benefit | 300,000 (All-stage cancer 100,000 + respiratory cancers 100,000 + 10 monthly payments 100,000 (year 1); from year 3 becomes 340,000) | 600,000 (All-stage cancer 200,000 + respiratory cancers 200,000 + 10 monthly payments 200,000 (year 1); from year 3 becomes 680,000) | 900,000 (All-stage cancer 300,000 + respiratory cancers 300,000 + 10 monthly payments 300,000 (year 1); from year 3 becomes 1,020,000) | 1,200,000 (All-stage cancer 400,000 + respiratory cancers 400,000 + 10 monthly payments 400,000 (year 1); from year 3 becomes 1,360,000) | 500,000 |
| Multi-pay (max claims) | 2 (first cancer once + specific organ once more + 10 monthly payments) | 2 (first cancer once + specific organ once more + 10 monthly payments) | 2 (first cancer once + specific organ once more + 10 monthly payments) | 2 (first cancer once + specific organ once more + 10 monthly payments) | 2 (cancer once + skin cancer once) |
| Waiting period — first claim | 90 | 90 | 90 | 90 | 90 |
| Death Benefit | 0 (not covered) | 0 (not covered) | 0 (not covered) | 0 (not covered) | 0 (not covered) |
| Additional Coverage | |||||
| Additional benefit: respiratory cancer (lung/oral/throat/bronchial) | 100,000 | 200,000 | 300,000 | 400,000 | - |
| Melanoma skin cancer benefit | 100,000 (included in the main cancer benefit, not paid twice) | 200,000 (included in the main cancer benefit, not paid twice) | 300,000 (included in the main cancer benefit, not paid twice) | 400,000 (included in the main cancer benefit, not paid twice) | - |
| Cancer income compensation | 10,000 | 20,000 | 30,000 | 40,000 | - |
| Invasive cancer | Covered (all stages) | Covered (all stages) | Covered (all stages) | Covered (all stages) | Covered (all stages) |
| Starting Premium | ≈ 700* /yr | ≈ 1,400* /yr | ≈ 2,100* /yr | ≈ 2,800* /yr | ≈ 3,500* /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 | โตเกียวมารีน | |
|---|---|---|
| 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
โตเกียวมารีน pays
95,000 THB
Pay as actual, no per-visit limit
You pay
0 THB
Cashless at network hospitals
Frequently Asked Questions
โตเกียวมารีน คุ้มครองอะไรบ้าง?
โตเกียวมารีน มี 9 แผนให้เลือก เบี้ยเริ่มต้นเพียง ฿700/ปี ดูรายละเอียดความคุ้มครองแต่ละแผนได้ในตารางเปรียบเทียบ
ซื้อผ่านเช็คดิต่างจากซื้อตรงกับบริษัทประกันอย่างไร?
ราคาเดียวกัน แต่ซื้อผ่านเช็คดิช่วยเปรียบเทียบแผนจากหลายบริษัทได้ในที่เดียว สมัครออนไลน์ได้ทันที
ยกเลิกกรมธรรม์ได้หรือไม่?
ได้ ภายใน 15 วันแรกของการรับกรมธรรม์ (Free Look Period) ได้รับเบี้ยคืนเต็มจำนวน
ลดหย่อนภาษีได้หรือไม่?
เบี้ยประกันสามารถนำไปลดหย่อนภาษีได้ตามหลักเกณฑ์ของกรมสรรพากร
About โตเกียวมารีน
โตเกียวมารีน
โตเกียวมารีน 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.
