Key Features of This Plan
Allianz Ayudhya Life HS offers flexible coverage
Up to 4,500/day (up to 90 days (incl. 15 ICU days))
Room & Board per day
4 plans to choose from
Pick the plan that fits your budget and needs
From ฿8,567/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 HS 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 Ayudhya Life HS 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 HS to find the best fit
| Coverage | แผน 1500 | แผน 2500 | แผน 3500 | แผน 4500 |
|---|---|---|---|---|
| Main Coverage | ||||
| Max Annual Limit | No annual limit (no annual cap · a maximum per item) | No annual limit (no annual cap · a maximum per item) | No annual limit (no annual cap · a maximum per item) | No annual limit (no annual cap · a maximum per item) |
| Deductible | None | None | None | None |
| Room & Board per day | 1,500/day (up to 90 days (incl. 15 ICU days)) | 2,500/day (up to 90 days (incl. 15 ICU days)) | 3,500/day (up to 90 days (incl. 15 ICU days)) | 4,500/day (up to 90 days (incl. 15 ICU days)) |
| ICU | 4,500/day (up to 15 days) | 7,500/day (up to 15 days) | 10,500/day (up to 15 days) | 13,500/day (up to 15 days) |
| Emergency accident care (24 hrs, no admission) | 6,000 (per accident) | 8,000 (per accident) | 10,000 (per accident) | 12,000 (per accident) |
| Coverage Area | Worldwide | Worldwide | Worldwide | Worldwide |
| Additional Coverage | ||||
| Take-home medication | 1,000 (per discharge, up to 7 days · within the general medical expenses limit) | 1,000 (per discharge, up to 7 days · within the general medical expenses limit) | 1,000 (per discharge, up to 7 days · within the general medical expenses limit) | 1,000 (per discharge, up to 7 days · within the general medical expenses limit) |
| Hospital General Expenses | 20,000 (combined limit for all items, per admission) | 25,000 (combined limit for all items, per admission) | 35,000 (combined limit for all items, per admission) | 45,000 (combined limit for all items, per admission) |
| Medical Diagnostic Services | 4,000 (within 30 days before and after admission) | 5,000 (within 30 days before and after admission) | 6,000 (within 30 days before and after admission) | 7,000 (within 30 days before and after admission) |
| Physician Hospital Visit Fee per day | 800/day (up to 90 days) | 1,000/day (up to 90 days) | 1,000/day (up to 90 days) | 1,500/day (up to 90 days) |
| Operating Room & Equipment | 10,000 (combined limit for operating room, drugs and supplies, per admission) | 12,000 (combined limit for operating room, drugs and supplies, per admission) | 15,000 (combined limit for operating room, drugs and supplies, per admission) | 17,000 (combined limit for operating room, drugs and supplies, per admission) |
| Anesthesiology Fees | 10,000 (per admission) | 12,000 (per admission) | 15,000 (per admission) | 17,000 (per admission) |
| Surgeon's fee incl. assistant (OIC 4.3) | 100,000 (per admission) | 120,000 (per admission) | 150,000 (per admission) | 170,000 (per admission) |
| Organ Transplant | 2x (of the surgery limits · liver, pancreas, kidney, heart, lung and bone marrow) | 2x (of the surgery limits · liver, pancreas, kidney, heart, lung and bone marrow) | 2x (of the surgery limits · liver, pancreas, kidney, heart, lung and bone marrow) | 2x (of the surgery limits · liver, pancreas, kidney, heart, lung and bone marrow) |
| Day Surgery | Covered as an inpatient stay | Covered as an inpatient stay | Covered as an inpatient stay | Covered as an inpatient stay |
| Ambulance | 2,000 | 3,000 | 3,000 | 3,000 |
| Minor Surgery | 20,000 (e.g. abscess, warts, haemorrhoids) | 24,000 (e.g. abscess, warts, haemorrhoids) | 30,000 (e.g. abscess, warts, haemorrhoids) | 34,000 (e.g. abscess, warts, haemorrhoids) |
| 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) | 89 years (issue ages 11-70 · cover ends at age 90) |
| Starting Premium | ≈ 8,567* /yr | ≈ 10,488* /yr | ≈ 13,188* /yr | ≈ 16,107* /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 HS | |
|---|---|---|
| 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 HS Plan 1500
Premium 8,567 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.
