Key Features of This Plan
Allianz UltraCare offers flexible coverage
Up to 200,000,000 (Per plan year)
Max Annual Limit
4 plans to choose from
Pick the plan that fits your budget and needs
From ฿87,207/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 UltraCare 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
- 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 UltraCare 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 UltraCare to find the best fit
| Coverage | Standard | Select | Comprehensive | Elite |
|---|---|---|---|---|
| Main Coverage | ||||
| Max Annual Limit | 60,000,000 (Per plan year) | 100,000,000 (Per plan year) | 160,000,000 (Per plan year) | 200,000,000 (Per plan year) |
| Deductible | 1,800 (Per condition per year, outpatient only · or 34,000-340,000 on all treatment for a lower premium · new members aged 0-10: 34,000) | None (Or 1,800 per condition per year on outpatient only, or 3,400-340,000 on all treatment for a lower premium · new members aged 0-10: 34,000) | None (Or 1,800 per condition per year on outpatient only, or 3,400-340,000 on all treatment for a lower premium · new members aged 0-10: 34,000) | None (Or 1,800-340,000 per condition per year on all treatment for a lower premium · new members aged 0-10: 34,000) |
| Room & Board per day | As Charged (Standard single room with private bathroom) | As Charged (Standard single room with private bathroom) | As Charged (Standard single room with private bathroom) | As Charged (Standard single room with private bathroom) |
| ICU | As Charged | As Charged | As Charged | As Charged |
| Emergency Evacuation | As Charged (When needed for in-patient, daycare or cancer treatment · incl. return travel and an escort) | As Charged (Incl. return travel, and an escort when critical) | As Charged (Incl. return travel, and an escort when critical) | As Charged (Incl. return travel, and an escort when critical) |
| General OPD Coverage | Surgery and pre-op tests only (Excl. outpatient doctor fees, drugs and MRI/CT/PET) | 200,000 (Per year for doctor fees, drugs and tests · surgery and MRI/CT/PET as charged) | 400,000 (Per year for doctor fees, drugs and tests · surgery and MRI/CT/PET as charged) | As Charged |
| Coverage Area | Worldwide excl. USA (Residents of Thailand only) | Worldwide excl. USA (Residents of Thailand only) | Worldwide excl. USA (Residents of Thailand only) | Worldwide excl. USA (Residents of Thailand only) |
| Additional Coverage | ||||
| Major dental co-insurance | None (No dental cover on this plan) | None (No dental cover on this plan) | 25% (On every dental claim) | None |
| Parent accommodation | As Charged (Insured child under 18 in hospital) | As Charged (Insured child under 18 in hospital) | As Charged (Insured child under 18 in hospital) | As Charged (Insured child under 18 in hospital) |
| Hospital General Expenses | As Charged | As Charged | As Charged | As Charged |
| Medical Diagnostic Services | As Charged (MRI, PET, CT, X-rays and pathology) | As Charged (MRI, PET, CT, X-rays and pathology) | As Charged (MRI, PET, CT, X-rays and pathology) | As Charged (MRI, PET, CT, X-rays and pathology) |
| Physician's Fees | As Charged (Medical practitioners and specialists) | As Charged (Medical practitioners and specialists) | As Charged (Medical practitioners and specialists) | As Charged (Medical practitioners and specialists) |
| Anesthesiology Fees | As Charged | As Charged | As Charged | As Charged |
| Organ Transplant | 20,000,000 (Kidney, liver, heart, lung) | 20,000,000 (Kidney, liver, heart, lung) | 20,000,000 (Kidney, liver, heart, lung) | 20,000,000 (Kidney, liver, heart, lung) |
| Reconstructive surgery (after an accident or surgery) | As Charged | As Charged | As Charged | As Charged |
| Surgical medical implants or prosthetic implants | As Charged | As Charged | As Charged | As Charged |
| Day Surgery | As Charged | As Charged | As Charged | As Charged |
| Pre-hospitalization | 40,000 (Pre-op tests within 72 hours before admission) | 200,000 (Within 72 hours before admission · shared with outpatient doctor fees and drugs) | 400,000 (Within 72 hours before admission · shared with outpatient doctor fees and drugs) | As Charged (Pre-op tests within 72 hours before admission) |
| Post-hospitalization | As Charged (Out-patient, within 90 days after in-patient or daycare treatment) | As Charged (Out-patient, within 90 days after in-patient or daycare treatment) | As Charged (Out-patient, within 90 days after in-patient or daycare treatment) | As Charged (Out-patient, within 90 days after in-patient or daycare treatment) |
| Rehabilitation | As Charged (As part of in-patient or daycare treatment) | As Charged (As part of in-patient or daycare treatment) | As Charged (As part of in-patient or daycare treatment) | As Charged (As part of in-patient or daycare treatment) |
| Post-Hospitalization Rehabilitation | 30,000 (Per year · out-patient, within 90 days after discharge) | 60,000 (Per year · one shared limit for outpatient physio and complementary medicine) | 80,000 (Per year · one shared limit for outpatient physio and complementary medicine) | As Charged (Out-patient, within 90 days after discharge) |
| Dialysis | Not covered | 3,000,000 (Lifetime · shared with chronic condition care) | 6,000,000 (Lifetime · shared with chronic condition care) | 12,000,000 (Lifetime · shared with chronic condition care) |
| Cancer Treatment IPD+OPD | As Charged (In-patient and out-patient, incl. bone marrow transplant) | As Charged (In-patient and out-patient, incl. bone marrow transplant) | As Charged (In-patient and out-patient, incl. bone marrow transplant) | As Charged (In-patient and out-patient, incl. bone marrow transplant) |
| Ambulance | As Charged | As Charged | As Charged | As Charged |
| OPD - GP Fees | Not covered | 200,000 (Incl. specialists, drugs and tests · shared with pre-op tests) | 400,000 (Incl. specialists, drugs and tests · shared with pre-op tests) | As Charged (Incl. specialists, drugs and tests) |
| Advanced medical imaging (MRI / CT / PET) | Not covered | As Charged (Out-patient) | As Charged (Out-patient) | As Charged (Out-patient) |
| Prescribed outpatient physiotherapy | Not covered | 60,000 (Per year · one shared limit for outpatient physio and complementary medicine) | 80,000 (Per year · one shared limit for outpatient physio and complementary medicine) | As Charged |
| Dental Coverage | Not covered | Not covered | 40,000 (Per year · pays 75% of each claim (25% co-insurance) · 182-day waiting period) | 60,000 (Per year · 182-day waiting period) |
| Preventive dental (check-up, scaling, polishing) | Not covered | Not covered | 4,000 (Per year) | 8,000 (Per year) |
| Vision Coverage | Not covered | Not covered | Not covered | 4,000 (Per year · one sight and one hearing test) |
| Annual Health Checkup | Not covered | Not covered | 28,000 (Per year · adults: check-ups, cancer screening, vaccinations · shared with child checks) | 40,000 (Per year · adults: check-ups, cancer screening, vaccinations · shared with child checks) |
| Pre-insurance Checkup | Not required | Not required | Not required | Not required |
| Vaccination Coverage | Not covered | Not covered | 28,000 (Per year · children 0-17: well-child tests and vaccinations · shared with adult check-ups) | 40,000 (Per year · children 0-17: well-child tests and vaccinations · shared with adult check-ups) |
| Alternative Medicine (TCM/Acupuncture/Chiro) | Not covered | 60,000 (Per year · one shared limit for outpatient physio and complementary medicine) | 80,000 (Per year · one shared limit for outpatient physio and complementary medicine) | 220,000 (Per year · chiropractic, osteopathy, podiatry, Chinese medicine, acupuncture, homeopathy) |
| Mental Health Coverage | Not covered | Not covered | 400,000 (In-patient, up to 30 days · 12-month waiting period) | As Charged (In-patient, up to 30 days · 12-month waiting period) |
| Outpatient psychiatric treatment | Not covered | 40,000 (Per year · 12-month waiting period) | 80,000 (Per year · 12-month waiting period) | 400,000 (Per year · 12-month waiting period) |
| Nursing at Home | As Charged (Instead of a hospital stay) | As Charged (Instead of a hospital stay) | As Charged (Instead of a hospital stay) | As Charged (Instead of a hospital stay) |
| Hospital Cash Benefit | 18,000/day (When in-patient accommodation is free of charge · max 30 nights per year) | 18,000/day (When in-patient accommodation is free of charge · max 30 nights per year) | 18,000/day (When in-patient accommodation is free of charge · max 30 nights per year) | 18,000/day (When in-patient accommodation is free of charge · max 30 nights per year) |
| HIV/AIDS treatment | Not covered | 3,400,000 (Lifetime · 4-year waiting period) | 3,400,000 (Lifetime · 4-year waiting period) | 3,400,000 (Lifetime · 4-year waiting period) |
| Hormone replacement therapy (menopause) | Not covered | Not covered | 20,000 (Per year) | 20,000 (Per year) |
| Hospice or palliative treatment | Not covered | As Charged | As Charged | As Charged |
| Chronic Conditions Arising after Enrolment | Not covered | 3,000,000 (Lifetime · in-patient and out-patient, shared with dialysis) | 6,000,000 (Lifetime · in-patient and out-patient, shared with dialysis) | 12,000,000 (Lifetime · in-patient and out-patient, shared with dialysis) |
| Congenital and hereditary conditions | Not covered | Not covered | 1,400,000 (Lifetime · diagnosed after joining, not inherited) | 2,000,000 (Lifetime · diagnosed after joining, not inherited) |
| Surgical Fees | As Charged | As Charged | As Charged | As Charged |
| Compassionate emergency visit | Not covered | Not covered | As Charged (One economy return trip per year) | As Charged (One economy return trip per year) |
| Repatriation of mortal remains | As Charged (Only if death occurs outside your home country) | As Charged (Only if death occurs outside your home country) | As Charged (Only if death occurs outside your home country) | As Charged (Only if death occurs outside your home country) |
| Emergency treatment outside area of cover | Not covered | 1,600,000 | 2,800,000 | 4,000,000 |
| Starting Premium | ≈ 87,207* /yr | ≈ 150,073* /yr | ≈ 173,923* /yr | ≈ 198,511* /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 UltraCare | |
|---|---|---|
| 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)
AXA
International Exclusive Gold
From ฿105,730/yr
Max Annual Limit74,000,000 (Per policy year)
DeductibleNone (Optional 60,000 (-25%) · 120,000 (-35%) · 240,000 (-45%) per year)
Room & Board per dayAs Charged (Standard single room, lowest rate)
Pacific Cross
Expat Care 3
From ฿64,994/yr
Max Annual Limit50,000,000
DeductibleNone
Room & Board per dayPaid in full (standard private room)
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 UltraCare Standard
Premium 87,207 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Max Annual Limit60,000,000 (Per plan year)
Deductible1,800 (Per condition per year, outpatient only · or 34,000-340,000 on all treatment for a lower premium · new members aged 0-10: 34,000)
Room & Board per dayAs Charged (Standard single room with private bathroom)
ICUAs Charged
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 UltraCare - what does it cover?
Allianz UltraCare has 4 plans, from ฿87,207/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.
