Key Features of This Plan
Allianz Ayudhya Life Double Care offers flexible coverage
Up to 30,000,000 (doubles to 60,000,000 on a first diagnosis of 1 of 10 critical illnesses)
Max Annual Limit
3 plans to choose from
Pick the plan that fits your budget and needs
From ฿20,828/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 Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, Allianz Ayudhya Life Double Care 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 Ayudhya Life Double Care 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 Ayudhya Life Double Care to find the best fit
| Coverage | แผน 1 | แผน 2 | แผน 3 |
|---|---|---|---|
| Main Coverage | |||
| Max Annual Limit | 8,000,000 (doubles to 16,000,000 on a first diagnosis of 1 of 10 critical illnesses) | 15,000,000 (doubles to 30,000,000 on a first diagnosis of 1 of 10 critical illnesses) | 30,000,000 (doubles to 60,000,000 on a first diagnosis of 1 of 10 critical illnesses) |
| Deductible | None (optional 30,000 per policy year deductible to lower the premium · ages 1 month 1 day – 10 years can buy only the deductible version) | None | None |
| Room & Board per day | 3,000/day (no limit on days, within the annual maximum) | 6,000/day (no limit on days, within the annual maximum) | 15,000/day (no limit on days, within the annual maximum) |
| ICU | Paid as charged (no limit on days, within the annual maximum) | Paid as charged (no limit on days, within the annual maximum) | Paid as charged (no limit on days, within the annual maximum) |
| Emergency accident care (24 hrs, no admission) | Paid as charged (per accident) | Paid as charged (per accident) | Paid as charged (per accident) |
| Surgical Fees | Paid as charged (incl. procedures) | Paid as charged (incl. procedures) | Paid as charged (incl. procedures) |
| Coverage Area | Thailand (except an emergency abroad where hospital treatment starts within 30 days of leaving Thailand (each trip)) | Thailand (except an emergency abroad where hospital treatment starts within 30 days of leaving Thailand (each trip)) | Thailand (except an emergency abroad where hospital treatment starts within 30 days of leaving Thailand (each trip)) |
| Additional Coverage | |||
| Hospital General Expenses | Paid as charged (diagnostics or treatment, drugs, IV nutrition and supplies) | Paid as charged (diagnostics or treatment, drugs, IV nutrition and supplies) | Paid as charged (diagnostics or treatment, drugs, IV nutrition and supplies) |
| Medical Diagnostic Services | Paid as charged (30 days before admission and 60 days after discharge) | Paid as charged (30 days before admission and 60 days after discharge) | Paid as charged (30 days before admission and 60 days after discharge) |
| Nursing Services | Paid as charged (no limit on days, within the annual maximum) | Paid as charged (no limit on days, within the annual maximum) | Paid as charged (no limit on days, within the annual maximum) |
| Take-home medication & supplies (per admission, max 30 days) | 20,000 (per time, up to 15 days per admission) | 30,000 (per time, up to 15 days per admission) | 50,000 (per time, up to 15 days per admission) |
| Physician Hospital Visit Fee per day | 2,000/day (no limit on days, within the annual maximum) | 4,000/day (no limit on days, within the annual maximum) | 10,000/day (no limit on days, within the annual maximum) |
| Follow-up outpatient care for an injury | Paid as charged (within 30 days of each accident · first treated within 24 hrs) | Paid as charged (within 30 days of each accident · first treated within 24 hrs) | Paid as charged (within 30 days of each accident · first treated within 24 hrs) |
| Day Surgery | Paid as charged | Paid as charged | Paid as charged |
| Post-Hospitalization | Paid as charged (within 30 days of discharge, up to 2 visits per admission) | Paid as charged (within 30 days of discharge, up to 2 visits per admission) | Paid as charged (within 30 days of discharge, up to 2 visits per admission) |
| Post-Hospitalization Rehabilitation | Paid as charged (up to 2 times per policy year) | Paid as charged (up to 2 times per policy year) | Paid as charged (up to 2 times per policy year) |
| Dialysis | Paid as charged | Paid as charged | Paid as charged |
| Cancer Radiation Therapy | Paid as charged | Paid as charged | Paid as charged |
| Cancer Chemotherapy | Paid as charged (incl. targeted therapy) | Paid as charged (incl. targeted therapy) | Paid as charged (incl. targeted therapy) |
| Ambulance | Paid as charged | Paid as charged | Paid as charged |
| Minor Surgery | Paid as charged (e.g. abscess, warts, haemorrhoids) | Paid as charged (e.g. abscess, warts, haemorrhoids) | Paid as charged (e.g. abscess, warts, haemorrhoids) |
| Annual Health Checkup | 1,000 (check-up and/or vaccination combined · once the contract has run over 12 months) | 2,500 (check-up and/or vaccination combined · once the contract has run over 12 months) | 5,500 (check-up and/or vaccination combined · once the contract has run over 12 months) |
| Vaccination Coverage | Included in the annual check-up limit (shares the annual check-up limit) | Included in the annual check-up limit (shares the annual check-up limit) | Included in the annual check-up limit (shares the annual check-up limit) |
| Maximum Renewal Age | 89 years (issue ages 11-70 · cover ends at age 90) | 89 years (issue ages 11-70 · cover ends at age 90) | 89 years (issue ages 11-70 · cover ends at age 90) |
| Starting Premium | ≈ 20,828* /yr | ≈ 29,926* /yr | ≈ 48,279* /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 Ayudhya Life Double Care | |
|---|---|---|
| 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)
Terms & Conditions
Claims Process
Usually cashless at the hospital with your card
Policy or medical card
Once approved, your policy arrives by email. Some plans also issue a medical card.
Show it at the hospital
Go for treatment and show the medical card or your policy together with your ID.
The hospital files the claim
The hospital sends the claim to the insurer directly — usually nothing to pay up front.
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 ประกันชีวิต My Health Plus Double Care Plan 1
Premium 20,828 THB/year (age 30)
An illness that needs a hospital stay
These figures come from this plan's own data. What is actually paid depends on the policy conditions and exclusions.
Free help choosing a plan - and when you need to claim, the CheckDi team works with the insurer for you.
Frequently Asked Questions
About อลิอันซ์ อยุธยา ประกันชีวิต
อลิอันซ์ อยุธยา ประกันชีวิต
อลิอันซ์ อยุธยา ประกันชีวิต 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.
