Key Features of This Plan
วิริยะ offers flexible coverage
Expert Review
CheckDi Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, วิริยะ stands out for its comprehensive coverage with 4 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
วิริยะ 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 วิริยะ to find the best fit
| Coverage | 1 | 2 | 3 | 4 |
|---|---|---|---|---|
| Main Coverage | ||||
| Cancer Detection Benefit (All Types, All Stages) | 3,000,000 (cancer medical expenses, actual costs, annual maximum) | 6,000,000 (cancer medical expenses, actual costs, annual maximum) | 9,000,000 (cancer medical expenses, actual costs, annual maximum) | 800,000 |
| Waiting period — first claim | 90 | 90 | 90 | 90 |
| Standard room per day | 8,000 | 10,000 | 12,000 | - |
| ICU room per day | 16,000 | 20,000 | 24,000 | - |
| PA: Death or permanent disability from accident | 50,000 | 50,000 | 50,000 | 50,000 |
| Invasive cancer benefit | - | - | - | 800,000 (all stages, lump-sum on diagnosis) |
| Skin Cancer Benefit | - | - | - | 240,000 |
| Non-invasive cancer benefit | - | - | - | 800,000 (all stages, lump-sum on diagnosis) |
| Max total benefit | - | - | - | 1,600,000 (combined max 200% of the sum assured per brochure (excl. other medical/cash benefits)) |
| Multi-pay (max claims) | - | - | - | 2 (cancer at any stage once + gender-specific cancer once) |
| Cancer treatment (chemo/radiation/surgery/targeted therapy) | - | - | - | 200,000 |
| Death Benefit | - | - | - | - |
| Additional Coverage | ||||
| Maximum cancer treatment per year | 3,000,000 | 6,000,000 | 9,000,000 | - |
| Cancer Treatment: Chemo / Radiation | Actual cost | Actual cost | Actual cost | - |
| Cancer Treatment: Surgery | Actual cost | Actual cost | Actual cost | - |
| Cancer Treatment: Take-home medication | As charged | As charged | As charged | - |
| Targeted Therapy | As charged | As charged | As charged | - |
| Surgical fee | As charged | As charged | As charged | - |
| Anesthesiologist fee | As charged | As charged | As charged | - |
| Visiting / specialist fee | As charged | As charged | As charged | - |
| Cancer screening + annual health check package on renewal | Free | Free | Free | - |
| Invasive cancer | Covered (all stages) | Covered (all stages) | Covered (all stages) | Covered (all stages) |
| Palliative care benefit | - | - | - | 240,000 |
| Cancer treatment travel expenses | - | - | - | 500 (max 10 times) |
| Additional benefit – gender-specific cancer (Male: prostate, lung, oral, esophageal, colon, liver · Female: breast, ovarian, cervical, uterine, colon, liver) | - | - | - | 800,000 |
| Starting Premium | ≈ 778* /yr | ≈ 1,900* /yr | ≈ 3,023* /yr | ≈ 4,706* /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 | วิริยะ | |
|---|---|---|
| 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
Severe abdominal pain, emergency appendectomy at private hospital, 3-day stay
Frequently Asked Questions
About วิริยะ
วิริยะ
วิริยะ 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.
