Key Features of This Plan
Allianz FlexCare offers flexible coverage
Up to 50,000,000 (Per person per policy year)
Max Annual Limit
3 plans to choose from
Pick the plan that fits your budget and needs
From ฿38,225/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 FlexCare stands out for its comprehensive coverage with 3 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 FlexCare 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 FlexCare to find the best fit
| Coverage | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|
| Main Coverage | |||
| Max Annual Limit | 15,000,000 (Per person per policy year) | 35,000,000 (Per person per policy year) | 50,000,000 (Per person per policy year) |
| Deductible | None (Optional 17,000 or 34,000 per person per year · age 10 or under: 34,000 compulsory) | None (Optional 17,000 or 34,000 per person per year · age 10 or under: 34,000 compulsory) | None (Optional 17,000 or 34,000 per person per year · age 10 or under: 34,000 compulsory) |
| Room & Board per day | As Charged (Standard or semi-private room) | As Charged (Standard or semi-private room) | As Charged (Standard or semi-private room) |
| ICU | As Charged | As Charged | As Charged |
| Emergency accident care (24 hrs, no admission) | Not covered (Claimable under the outpatient module if bought) | 17,000 (Emergency room within 24 hrs of an accident or sudden illness) | 25,000 (Emergency room within 24 hrs of an accident or sudden illness) |
| PA - Death/Dismemberment | 34,000 (200,000 available as an option) | 34,000 (200,000 available as an option) | 34,000 (200,000 available as an option) |
| Emergency Evacuation | As Charged (To the nearest suitable facility within your area of cover) | As Charged (To the nearest suitable facility within your area of cover) | As Charged (To the nearest suitable facility within your area of cover) |
| General OPD Coverage | 66,000 or 165,000/year (Optional · 0/10/20% co-pay available) | 66,000 - 230,000/year (Optional · 0/10/20% co-pay available) | 66,000 - 330,000/year (Optional · 0/10/20% co-pay available) |
| Coverage Area | Asia (Southeast Asia excl. Singapore: Cambodia, East Timor, Indonesia, Laos, Malaysia, Myanmar (Burma), Philippines, Thailand, Timor-Leste and Vietnam · or choose Worldwide excl. USA (sanctioned countries may not be covered) · emergencies outside your area up to 42 days per trip) | Asia (Southeast Asia excl. Singapore: Cambodia, East Timor, Indonesia, Laos, Malaysia, Myanmar (Burma), Philippines, Thailand, Timor-Leste and Vietnam · or choose Worldwide excl. USA (sanctioned countries may not be covered) · emergencies outside your area up to 42 days per trip) | Asia (Southeast Asia excl. Singapore: Cambodia, East Timor, Indonesia, Laos, Malaysia, Myanmar (Burma), Philippines, Thailand, Timor-Leste and Vietnam · or choose Worldwide excl. USA (sanctioned countries may not be covered) · emergencies outside your area up to 42 days per trip) |
| Additional Coverage | |||
| Emergency Dental | Not covered (Claimable under the dental module if bought) | 17,000 (Out-patient · accident to a sound natural tooth, within 24 hrs) | 25,000 (Out-patient · accident to a sound natural tooth, within 24 hrs) |
| Parent accommodation | As Charged (One parent · insured child under 18) | As Charged (One parent · insured child under 18) | As Charged (One parent · insured child under 18) |
| Medical Diagnostic Services | As Charged (In-patient and day-care only) | As Charged (In-patient and day-care only) | As Charged (In-patient and day-care only) |
| Medications & Medical Supplies | As Charged (In-patient and day-care only) | As Charged (In-patient and day-care only) | As Charged (In-patient and day-care only) |
| Physician's Fees | As Charged (Physicians and therapists · in-patient and day-care only) | As Charged (Physicians and therapists · in-patient and day-care only) | As Charged (Physicians and therapists · in-patient and day-care only) |
| Organ Transplant | As Charged (Heart, heart valve, lung, liver, pancreas, kidney, bone marrow, parathyroid, muscular/skeletal, cornea) | As Charged (Heart, heart valve, lung, liver, pancreas, kidney, bone marrow, parathyroid, muscular/skeletal, cornea) | As Charged (Heart, heart valve, lung, liver, pancreas, kidney, bone marrow, parathyroid, muscular/skeletal, cornea) |
| Day Surgery | As Charged | As Charged | As Charged |
| Pre-hospitalization | 33,000 (Within 60 days before admission) | As Charged (Within 45 days before admission) | As Charged (Within 60 days before admission) |
| Post-hospitalization | As Charged (Within 45 days after discharge) | As Charged (Within 60 days after discharge) | As Charged (Within 90 days after discharge) |
| Dialysis | 330,000 (In-patient, day-care and out-patient) | 1,000,000 (In-patient, day-care and out-patient) | As Charged (In-patient, day-care and out-patient) |
| Cancer Treatment IPD+OPD | As Charged (Incl. bone marrow transplant and end-stage care) | As Charged (Incl. bone marrow transplant and end-stage care) | As Charged (Incl. bone marrow transplant and end-stage care) |
| Ambulance | As Charged | As Charged | As Charged |
| Minor Surgery | As Charged (Out-patient) | As Charged (Out-patient) | As Charged (Out-patient) |
| Advanced medical imaging (MRI / CT / PET) | As Charged (In-patient, day-care and out-patient) | As Charged (In-patient, day-care and out-patient) | As Charged (In-patient, day-care and out-patient) |
| Mental Health Coverage | As Charged (In-patient and day-care · max 12 days) | As Charged (In-patient and day-care · max 30 days) | As Charged (In-patient and day-care · max 45 days) |
| Nursing at Home | Not covered | 17,000 (After or instead of hospitalisation) | 25,000 (After or instead of hospitalisation) |
| Emergency dental treatment (accident) | As Charged (In-patient · pain relief after a serious accident, within 24 hrs) | As Charged (In-patient · pain relief after a serious accident, within 24 hrs) | As Charged (In-patient · pain relief after a serious accident, within 24 hrs) |
| HIV/AIDS treatment | 330,000 (Lifetime limit) | 1,000,000 (Lifetime limit) | 1,660,000 (Lifetime limit) |
| Hospice or palliative treatment | 1,660,000 (Conditions diagnosed as terminal) | 3,300,000 (Conditions diagnosed as terminal) | 6,600,000 (Conditions diagnosed as terminal) |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | As Charged | As Charged | As Charged |
| Surgical Fees | As Charged | As Charged | As Charged |
| Cancer Treatment (Radiation/Chemo/Dialysis) | As Charged (Radio/chemotherapy · dialysis up to 330,000) | As Charged (Radio/chemotherapy · dialysis up to 1,000,000) | As Charged (Radio/chemotherapy and dialysis) |
| Compassionate emergency visit | 17,000 (In the event of an evacuation) | 34,000 (In the event of an evacuation) | 50,000 (In the event of an evacuation) |
| Repatriation of mortal remains | 100,000 | 100,000 | 100,000 |
| Emergency treatment outside area of cover | As Charged (Max 42 days · trips of up to six weeks) | As Charged (Max 42 days · trips of up to six weeks) | As Charged (Max 42 days · trips of up to six weeks) |
| Maximum Renewal Age | 99 years (Beyond 70 only after 5 continuous years of cover) | 99 years (Beyond 70 only after 5 continuous years of cover) | 99 years (Beyond 70 only after 5 continuous years of cover) |
| Long-term care | Max 30 days (Per lifetime · after acute treatment is completed) | Max 60 days (Per lifetime · after acute treatment is completed) | Max 90 days (Per lifetime · after acute treatment is completed) |
| Accompanying person on medical evacuation | 17,000 | 34,000 | 50,000 |
| Family travel on repatriation of mortal remains | 17,000 | 34,000 | 50,000 |
| Starting Premium | ≈ 38,225* /yr | ≈ 44,214* /yr | ≈ 50,044* /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 FlexCare | |
|---|---|---|
| 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
Expat Care 1
From ฿38,201/yr
Max Annual Limit50,000,000
DeductibleNone
Room & Board per dayPaid in full (standard private room)
AXA
SwitchCare Plan 3
From ฿38,450/yr
Max Annual Limit15,000,000 (Per policy year)
DeductibleNone (Optional 60,000 (-28%) · 120,000 (-37.5%) · 240,000 (-42.5%), inpatient premium only)
Room & Board per day10,000/day (Non-intensive care unit)
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 FlexCare Plan 1
Premium 38,225 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Max Annual Limit15,000,000 (Per person per policy year)
DeductibleNone (Optional 17,000 or 34,000 per person per year · age 10 or under: 34,000 compulsory)
Room & Board per dayAs Charged (Standard or semi-private room)
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 FlexCare - what does it cover?
Allianz FlexCare has 3 plans, from ฿38,225/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.
