Key Features of This Plan
April MyHEALTH offers flexible coverage
Up to 65,500,000 per year
Max Annual Limit
3 plans to choose from
Pick the plan that fits your budget and needs
From ฿32,861/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, April MyHEALTH 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
April MyHEALTH 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 April MyHEALTH to find the best fit
| Coverage | Essential | Extensive | Elite |
|---|---|---|---|
| Main Coverage | |||
| Max Annual Limit | 10,000,000 per year | 32,750,000 per year | 65,500,000 per year |
| Deductible | None (inpatient benefit only; ages 0-10 carry a compulsory 8,200 THB per visit) | None (inpatient benefit only; ages 0-10 carry a compulsory 8,200 THB per visit) | None (inpatient benefit only) |
| Room & Board per day | Single Occupancy Room | Single Occupancy Room | Single Occupancy Room |
| ICU | Fully Covered | Fully Covered | Fully Covered |
| Emergency accident care (24 hrs, no admission) | Covered under Outpatient benefits (within 48 hrs of an accident or an acute flare-up needing urgent treatment) | Fully Covered (within 48 hrs of an accident or an acute flare-up needing urgent treatment) | Fully Covered (within 48 hrs of an accident or an acute flare-up needing urgent treatment) |
| Emergency Evacuation | USD 1,000,000 (per year; emergency evacuation, repatriation and return of remains by APRIL Assistance) | USD 1,000,000 (per year; emergency evacuation, repatriation and return of remains by APRIL Assistance) | USD 1,000,000 (per year; emergency evacuation, repatriation and return of remains by APRIL Assistance) |
| General OPD Coverage | Not included | Not included | Not included |
| Coverage Area | Europe, ASEAN and India (excl. Singapore) (Standard network: 40% co-insurance at listed hospitals, e.g. Bumrungrad) | Europe, ASEAN and India (excl. Singapore) (Europe, ASEAN and India = Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, India, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City, Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam; Worldwide excl. USA = every country except the United States; Standard network: 40% co-insurance at listed hospitals (Thailand: Bumrungrad International, Bangkok International, MedPark, Bangkok Hospital Pattaya, Bangkok Hospital Chiang Mai, Wattanapat Samui, Vejthani); Premium network: full cover at every hospital) | Europe, ASEAN and India (excl. Singapore) (Europe, ASEAN and India = Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, India, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Moldova, Monaco, Montenegro, Netherlands, North Macedonia, Norway, Poland, Portugal, Romania, Russia, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City, Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar, Philippines, Thailand, Vietnam; Worldwide excl. USA = every country except the United States; Standard network: 40% co-insurance at listed hospitals (Thailand: Bumrungrad International, Bangkok International, MedPark, Bangkok Hospital Pattaya, Bangkok Hospital Chiang Mai, Wattanapat Samui, Vejthani); Premium network: full cover at every hospital) |
| Additional Coverage | |||
| Parent accommodation | Not covered | Fully Covered | Fully Covered |
| Hospital General Expenses | Fully Covered | Fully Covered | Fully Covered |
| Medical Diagnostic Services | Fully Covered | Fully Covered | Fully Covered |
| Physician Hospital Visit Fee per day | Fully Covered | Fully Covered | Fully Covered |
| Operating Room & Equipment | Fully Covered | Fully Covered | Fully Covered |
| Organ Transplant | 491,250 (includes stem-cell transplant; excl. organ-donor surgery) | 4,912,500 (includes organ-donor surgery and stem-cell transplant within the same limit) | 8,187,500 (includes organ-donor surgery and stem-cell transplant within the same limit) |
| Surgical medical implants or prosthetic implants | Fully Covered | Fully Covered | Fully Covered |
| Reconstructive surgery (after an accident or surgery) | Fully Covered (when required as a direct result of a covered illness or injury) | Fully Covered (when required as a direct result of a covered illness or injury) | Fully Covered (when required as a direct result of a covered illness or injury) |
| Day Surgery | Fully Covered (includes surgeon and one follow-up visit, room, operating theatre, drugs and supplies on the day of surgery) | Fully Covered (includes surgeon and one follow-up visit, room, operating theatre, drugs and supplies on the day of surgery) | Fully Covered (includes surgeon and one follow-up visit, room, operating theatre, drugs and supplies on the day of surgery) |
| Pre-Hospitalization | Not covered (covered under the outpatient benefit (if any)) | 32,750 (within 60 days before admission) | Fully Covered (within 60 days before admission) |
| Post-Hospitalization | 16,375 (within 60 days of discharge) | 32,750 (within 60 days of discharge) | Fully Covered (within 90 days of discharge) |
| Post-Hospitalization Rehabilitation | Not covered | 32,750 (inpatient rehabilitation, admitted within 2 weeks of discharge) | 65,500 (inpatient rehabilitation, admitted within 2 weeks of discharge) |
| Dialysis | 163,750 (per year, inpatient and outpatient) | 1,637,500 (per year, inpatient and outpatient) | Fully Covered (inpatient and outpatient) |
| Cancer Treatment IPD+OPD | Fully Covered (inpatient per the inpatient section; outpatient: consultations, diagnostics, drugs, chemotherapy, radiotherapy) | Fully Covered (inpatient per the inpatient section; outpatient: consultations, diagnostics, drugs, chemotherapy, radiotherapy) | Fully Covered (inpatient per the inpatient section; outpatient: consultations, diagnostics, drugs, chemotherapy, radiotherapy) |
| Ambulance | Fully Covered (road ambulance, as ordered by a doctor) | Fully Covered (road ambulance, as ordered by a doctor) | Fully Covered (road ambulance, as ordered by a doctor) |
| OPD - GP Fees | 2,500 per visit (max 5 times/year, no deductible; with the outpatient module, that module's limit applies) | Not covered | Not covered |
| Dental Coverage | Not included (dental and vision module only on the Extensive and Elite plans) | Not included (optional add-on (requires the outpatient module)) | Not included (optional add-on (requires the outpatient module)) |
| Vision Coverage | Not included (dental and vision module only on the Extensive and Elite plans) | Not included (optional add-on (requires the outpatient module)) | Not included (optional add-on (requires the outpatient module)) |
| Annual Health Checkup | Not covered | 3,000 (per year; with the outpatient module, that module's limit applies) | 6,000 (per year; with the outpatient module, that module's limit applies) |
| Alternative Medicine (TCM/Acupuncture/Chiro) | Not included (in the outpatient module (optional add-on)) | Not included (in the outpatient module (optional add-on)) | Not included (in the outpatient module (optional add-on)) |
| Mental Health Coverage | Not covered | Fully Covered (max 20 days) | Fully Covered (max 60 days) |
| Maternity - Routine | Not included (maternity module only on the Extensive and Elite plans) | Not included (optional add-on: women aged 19-45 on a no-deductible plan with the outpatient module; 366-day waiting period) | Not included (optional add-on: women aged 19-45 on a no-deductible plan with the outpatient module; 366-day waiting period) |
| Maternity - Complications | Not covered | 1,637,500 per pregnancy (per pregnancy) | Fully Covered |
| Nursing at Home | Covered under post-hospitalisation benefits (or the outpatient benefit (if any) after a hospital stay) | Covered under post-hospitalisation benefits (or the outpatient benefit (if any) after a hospital stay) | Covered under post-hospitalisation benefits (or the outpatient benefit (if any) after a hospital stay) |
| Daily Hospital Income Compensation | 3,000 per night (max 10 nights, when no medical expenses are claimed from the insurer) | 5,000 per night (max 20 nights, when no medical expenses are claimed from the insurer) | 7,000 per night (max 30 nights, when no medical expenses are claimed from the insurer) |
| Outpatient Telemedicine | Included | Included | Included |
| Special Nursing Service (per day) | Not covered | Fully Covered (in hospital, when certified necessary by the attending physician) | Fully Covered (in hospital, when certified necessary by the attending physician) |
| External prosthesis | 16,375 (includes choosing, fitting and repairing the device when the disability starts in the policy year) | 32,750 (includes choosing, fitting and repairing the device when the disability starts in the policy year) | 65,500 (includes choosing, fitting and repairing the device when the disability starts in the policy year) |
| Medical aids and durable medical equipment | Fully Covered (rental of mobility aids; orthopaedic braces, supports and air boots (inpatient)) | Fully Covered (rental of mobility aids; orthopaedic braces, supports and air boots (inpatient)) | Fully Covered (rental of mobility aids; orthopaedic braces, supports and air boots (inpatient)) |
| Emergency dental treatment (accident) | 163,750 (repair of permanent teeth damaged in an accident, within 14 days) | Fully Covered (repair of permanent teeth damaged in an accident, within 14 days) | Fully Covered (repair of permanent teeth damaged in an accident, within 14 days) |
| HIV/AIDS treatment | Not covered | 327,500 (lifetime; 3-year waiting period) | 327,500 (lifetime; 3-year waiting period) |
| Hospice or palliative treatment | Not covered | 1,637,500 (lifetime) | 1,637,500 (lifetime) |
| Congenital and hereditary conditions | Not covered | 1,637,500 (lifetime) | Fully Covered |
| Neonatal disabilities | Not covered | 1,637,500 (lifetime; newborn additions only) | Fully Covered (newborn additions only) |
| Chronic Conditions Arising after Enrolment | Covered | Covered | Covered |
| Surgical Fees | Fully Covered | Fully Covered | Fully Covered |
| Compassionate emergency visit | Included (return economy ticket for one member when a family member dies or is critically ill, by APRIL Assistance) | Included (return economy ticket for one member when a family member dies or is critically ill, by APRIL Assistance) | Included (return economy ticket for one member when a family member dies or is critically ill, by APRIL Assistance) |
| Repatriation of mortal remains | USD 30,000 (combined death-assistance limit: repatriation of remains, coffin (up to USD 5,000) and one accompanying person) | USD 30,000 (combined death-assistance limit: repatriation of remains, coffin (up to USD 5,000) and one accompanying person) | USD 30,000 (combined death-assistance limit: repatriation of remains, coffin (up to USD 5,000) and one accompanying person) |
| Emergency treatment outside area of cover | 1,637,500 (per year, up to 30 days; sudden illness or injury in the first 30 days of a trip) | 1,637,500 (per year, up to 30 days; sudden illness or injury in the first 30 days of a trip) | 1,637,500 (per year, up to 30 days; sudden illness or injury in the first 30 days of a trip) |
| Return home cash benefit (treatment outside Thailand) | 15,000 (when you travel out of Thailand for pre-approved treatment, plus an economy air ticket; not for pre-existing conditions) | 25,000 (when you travel out of Thailand for pre-approved treatment, plus an economy air ticket; not for pre-existing conditions) | 35,000 (when you travel out of Thailand for pre-approved treatment, plus an economy air ticket; not for pre-existing conditions) |
| Second medical opinion | Included | Included | Included |
| Starting Premium | ≈ 32,861* /yr | ≈ 36,158* /yr | ≈ 50,156* /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 | April MyHEALTH | |
|---|---|---|
| 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)
Allianz
Beyond Care Plan 2
From ฿32,675/yr
Maximum Benefit per Admission2,000,000
DeductibleNone (An optional deductible lowers the premium)
Room & Board per day10,000/day
AXA
SwitchCare Plan 2
From ฿33,750/yr
Max Annual Limit7,500,000 (Per policy year)
DeductibleNone (Optional 60,000 (-28%) · 120,000 (-37.5%) · 240,000 (-42.5%), inpatient premium only)
Room & Board per day8,000/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
🧾
April April MyHEALTH Essential
Premium 32,861 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Max Annual Limit10,000,000 per year
DeductibleNone (inpatient benefit only; ages 0-10 carry a compulsory 8,200 THB per visit)
Room & Board per daySingle Occupancy Room
ICUFully Covered
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
April MyHEALTH - what does it cover?
April MyHEALTH has 3 plans, from ฿32,861/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 April
April
April 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.
