Key Features of This Plan
Allianz MaxCare offers flexible coverage
Up to 5,000,000
Maximum Benefit per Admission
6 plans to choose from
Pick the plan that fits your budget and needs
From ฿10,255/year
Real starting premium for the plan you pick
OIC regulated
The insurer is licensed and supervised by the Office of Insurance Commission
Tax deductible
Premiums qualify for a personal income tax deduction
Apply in minutes
Apply through CheckDi in 5 minutes and get the policy by email
Expert Review
CHECKDi
CheckDi Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, Allianz MaxCare stands out for its comprehensive coverage with 6 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
- Declare your health and occupation truthfully — missing details can affect a claim
- OPD may require add-on purchase
- Read policy details before deciding
Who Is This For
Allianz MaxCare 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 Allianz MaxCare to find the best fit
| Coverage | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 | Plan 6 |
|---|---|---|---|---|---|---|
| Main Coverage | ||||||
| Maximum Benefit per Admission | 300,000 | 400,000 | 500,000 | 600,000 | 1,000,000 | 5,000,000 |
| Deductible | None | None | None | None | None | None |
| Room & Board per day | 1,400/day | 2,500/day | 4,000/day | 5,000/day | 8,000/day | 12,000/day |
| ICU | 2,800/day (Max 15 days) | 5,000/day (Max 15 days) | 8,000/day (Max 15 days) | 10,000/day (Max 15 days) | 16,000/day (Max 15 days) | 24,000/day (Max 15 days) |
| Emergency accident care (24 hrs, no admission) | 2,200/visit | 4,000/visit | 5,000/visit | 7,000/visit | 10,000/visit | 25,000/visit |
| PA - Death/Dismemberment | 20,000 (50% while riding or on a motorcycle) | 40,000 (50% while riding or on a motorcycle) | 60,000 (50% while riding or on a motorcycle) | 100,000 (50% while riding or on a motorcycle) | 100,000 (50% while riding or on a motorcycle) | 100,000 (50% while riding or on a motorcycle) |
| General OPD Coverage | Not included | Not included | Not included | Not included | Not included | Not included |
| Coverage Area | Worldwide excl. USA (USA: accidental injury only) | Worldwide excl. USA (USA: accidental injury only) | Worldwide excl. USA (USA: accidental injury only) | Worldwide excl. USA (USA: accidental injury only) | Worldwide excl. USA (USA: accidental injury only) | Worldwide excl. USA (USA: accidental injury only) |
| Additional Coverage | ||||||
| Hospital General Expenses | 16,000 | 30,000 | 40,000 | 50,000 | 80,000 | 200,000 |
| Medical Diagnostic Services | 16,000 (Shares the hospital general expenses limit) | 30,000 (Shares the hospital general expenses limit) | 40,000 (Shares the hospital general expenses limit) | 50,000 (Shares the hospital general expenses limit) | 80,000 (Shares the hospital general expenses limit) | 200,000 (Shares the hospital general expenses limit) |
| Blood Services & Components | 16,000 (Shares the hospital general expenses limit) | 30,000 (Shares the hospital general expenses limit) | 40,000 (Shares the hospital general expenses limit) | 50,000 (Shares the hospital general expenses limit) | 80,000 (Shares the hospital general expenses limit) | 200,000 (Shares the hospital general expenses limit) |
| Nursing Services | 16,000 (Shares the hospital general expenses limit) | 30,000 (Shares the hospital general expenses limit) | 40,000 (Shares the hospital general expenses limit) | 50,000 (Shares the hospital general expenses limit) | 80,000 (Shares the hospital general expenses limit) | 200,000 (Shares the hospital general expenses limit) |
| Medications & Medical Supplies | 16,000 (Shares the hospital general expenses limit) | 30,000 (Shares the hospital general expenses limit) | 40,000 (Shares the hospital general expenses limit) | 50,000 (Shares the hospital general expenses limit) | 80,000 (Shares the hospital general expenses limit) | 200,000 (Shares the hospital general expenses limit) |
| IV Nutritional Substances | 16,000 (Shares the hospital general expenses limit) | 30,000 (Shares the hospital general expenses limit) | 40,000 (Shares the hospital general expenses limit) | 50,000 (Shares the hospital general expenses limit) | 80,000 (Shares the hospital general expenses limit) | 200,000 (Shares the hospital general expenses limit) |
| Take-home medication & supplies (per admission, max 30 days) | 16,000 (Shares the hospital general expenses limit) | 30,000 (Shares the hospital general expenses limit) | 40,000 (Shares the hospital general expenses limit) | 50,000 (Shares the hospital general expenses limit) | 80,000 (Shares the hospital general expenses limit) | 200,000 (Shares the hospital general expenses limit) |
| Physician's Fees | 300/day | 600/day | 900/day | 1,200/day | 1,800/day | 4,500/day |
| Operating Room & Equipment | 22,000 (Shares the surgical fees limit) | 40,000 (Shares the surgical fees limit) | 50,000 (Shares the surgical fees limit) | 70,000 (Shares the surgical fees limit) | 100,000 (Shares the surgical fees limit) | 250,000 (Shares the surgical fees limit) |
| Anesthesiology Fees | 22,000 (Shares the surgical fees limit) | 40,000 (Shares the surgical fees limit) | 50,000 (Shares the surgical fees limit) | 70,000 (Shares the surgical fees limit) | 100,000 (Shares the surgical fees limit) | 250,000 (Shares the surgical fees limit) |
| Surgeon's fee incl. assistant (OIC 4.3) | 22,000 (Shares the surgical fees limit) | 40,000 (Shares the surgical fees limit) | 50,000 (Shares the surgical fees limit) | 70,000 (Shares the surgical fees limit) | 100,000 (Shares the surgical fees limit) | 250,000 (Shares the surgical fees limit) |
| Organ Transplant | 150,000 (Treatment in Thailand only) | 200,000 (Treatment in Thailand only) | 250,000 (Treatment in Thailand only) | 300,000 (Treatment in Thailand only) | 500,000 (Treatment in Thailand only) | 1,000,000 (Treatment in Thailand only) |
| Day Surgery | 22,000 (Shares the surgical fees limit) | 40,000 (Shares the surgical fees limit) | 50,000 (Shares the surgical fees limit) | 70,000 (Shares the surgical fees limit) | 100,000 (Shares the surgical fees limit) | 250,000 (Shares the surgical fees limit) |
| Pre-hospitalization | 16,000 (Within 30 days before and after admission; shares the hospital general expenses limit) | 30,000 (Within 30 days before and after admission; shares the hospital general expenses limit) | 40,000 (Within 30 days before and after admission; shares the hospital general expenses limit) | 50,000 (Within 30 days before and after admission; shares the hospital general expenses limit) | 80,000 (Within 30 days before and after admission; shares the hospital general expenses limit) | 200,000 (Within 30 days before and after admission; shares the hospital general expenses limit) |
| Post-hospitalization | 16,000 (Within 30 days after discharge; shares the hospital general expenses limit) | 30,000 (Within 30 days after discharge; shares the hospital general expenses limit) | 40,000 (Within 30 days after discharge; shares the hospital general expenses limit) | 50,000 (Within 30 days after discharge; shares the hospital general expenses limit) | 80,000 (Within 30 days after discharge; shares the hospital general expenses limit) | 200,000 (Within 30 days after discharge; shares the hospital general expenses limit) |
| Rehabilitation | 16,000 (Shares the hospital general expenses limit) | 30,000 (Shares the hospital general expenses limit) | 40,000 (Shares the hospital general expenses limit) | 50,000 (Shares the hospital general expenses limit) | 80,000 (Shares the hospital general expenses limit) | 200,000 (Shares the hospital general expenses limit) |
| Kidney Dialysis | 10,000/year (Treatment in Thailand only) | 10,000/year (Treatment in Thailand only) | 15,000/year (Treatment in Thailand only) | 15,000/year (Treatment in Thailand only) | 25,000/year (Treatment in Thailand only) | 50,000/year (Treatment in Thailand only) |
| Cancer Treatment IPD+OPD | 300,000/year | 400,000/year | 500,000/year | 600,000/year | 1,000,000/year | 5,000,000/year |
| Ambulance | 1,000/trip | 1,000/trip | 1,000/trip | 1,000/trip | 1,000/trip | 1,000/trip |
| Nursing at Home | 500/day (Max 15 days) | 500/day (Max 15 days) | 500/day (Max 15 days) | 500/day (Max 15 days) | 500/day (Max 15 days) | 500/day (Max 15 days) |
| Major Medical (excess inpatient expenses) | 80% of the excess (Excl. room, accident OPD, transplant, dialysis, cancer, ambulance) | 80% of the excess (Excl. room, accident OPD, transplant, dialysis, cancer, ambulance) | 80% of the excess (Excl. room, accident OPD, transplant, dialysis, cancer, ambulance) | 80% of the excess (Excl. room, accident OPD, transplant, dialysis, cancer, ambulance) | 80% of the excess (Excl. room, accident OPD, transplant, dialysis, cancer, ambulance) | 80% of the excess (Excl. room, accident OPD, transplant, dialysis, cancer, ambulance) |
| Specialist consultation fee | 1,600 (Without surgery; with surgery 2,200) | 3,000 (Without surgery; with surgery 4,000) | 4,000 (Without surgery; with surgery 5,000) | 5,000 (Without surgery; with surgery 7,000) | 8,000 (Without surgery; with surgery 10,000) | 20,000 (Without surgery; with surgery 25,000) |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | 22,000 (Shares the surgical fees limit) | 40,000 (Shares the surgical fees limit) | 50,000 (Shares the surgical fees limit) | 70,000 (Shares the surgical fees limit) | 100,000 (Shares the surgical fees limit) | 250,000 (Shares the surgical fees limit) |
| Surgical Fees | 22,000 | 40,000 | 50,000 | 70,000 | 100,000 | 250,000 |
| Starting Premium | ≈ 10,255* /yr | ≈ 16,167* /yr | ≈ 21,386* /yr | ≈ 26,111* /yr | ≈ 35,429* /yr | ≈ 39,924* /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 | Allianz MaxCare | |
|---|---|---|
| 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 |
Compare with other insurers
Similar plans from other insurers (prices for age 30)
Pacific Cross
Standard
From ฿9,830/yr
Maximum Benefit per Admission270,000
DeductibleNone (no deductible option)
Room & Board per day2,000/day (max 45 days per admission)
CHUBB
Universal Plus Plan 1
From ฿9,639/yr
Maximum Benefit per Admission400,000 (Per any one inpatient confinement)
DeductibleNone (This plan carries no deductible)
Room & Board per day2,000/day
Terms & Conditions
Coverage Period
1 year, renewable annually
Payment Term
Annual (some plans allow instalments)
Tax Deduction
Up to 25,000 THB/year, and no more than 100,000 THB/year combined with life premiums
Waiting Period
Typically 30 days for illness and 120 days for certain conditions — check the policy
Full terms
See every condition, exclusion and benefit on the plan detail page or the insurer's own documents
Claims Process
Usually cashless at the hospital with your card
1
Policy or medical card
Once approved, your policy arrives by email. Some plans also issue a medical card.
2
Show it at the hospital
Go for treatment and show the medical card or your policy together with your ID.
3
The hospital files the claim
The hospital sends the claim to the insurer directly — usually nothing to pay up front.
4
If more documents are needed
If the insurer needs more information, you may be asked to pay first and claim it back later. They will contact you about the documents.
What this plan pays
Real figures from the lowest-priced plan in this family
🧾
อลิอันซ์ อยุธยา MaxCare Plan 1
Premium 10,255 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Maximum Benefit per Admission300,000
DeductibleNone
Room & Board per day1,400/day
ICU2,800/day (Max 15 days)
These figures come from this plan's own data. What is actually paid depends on the policy conditions and exclusions.
Nong CheckDi has your back
Free help choosing a plan - and when you need to claim, the CheckDi team works with the insurer for you.
Frequently Asked Questions
Allianz MaxCare - what does it cover?
Allianz MaxCare has 6 plans, from ฿10,255/year. Compare the cover of every plan in the comparison table.
How is buying through CheckDi different from buying direct?
Same price - but CheckDi lets you compare plans from many insurers in one place and apply online straight away.
Can CheckDi help with a claim?
Yes. The CheckDi team coordinates with the insurer and follows up on your claim. See the steps for this plan under "Claims Process" above.
Is the premium tax deductible?
Premiums can be deducted from personal income tax under Revenue Department rules.
About อลิอันซ์ อยุธยา
อลิอันซ์ อยุธยา
อลิอันซ์ อยุธยา 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.
