Key Features of This Plan
Bangkok Life BLA Happy Health offers flexible coverage
Up to 10,000,000 (per confinement · cancer, heart disease or stroke 11,000,000)
Max Annual Limit
6 plans to choose from
Pick the plan that fits your budget and needs
From ฿3,758/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, Bangkok Life BLA Happy Health stands out for its comprehensive coverage with 6 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
Bangkok Life BLA Happy Health 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 Bangkok Life BLA Happy Health to find the best fit
| Coverage | แผน 1 ล้าน (มีความรับผิดส่วนแรก 100,000 บาท) | แผน 5 ล้าน (มีความรับผิดส่วนแรก 100,000 บาท) | แผน 10 ล้าน (มีความรับผิดส่วนแรก 100,000 บาท) | แผน 1 ล้าน (มีความรับผิดส่วนแรก 30,000 บาท) | แผน 5 ล้าน (มีความรับผิดส่วนแรก 30,000 บาท) | แผน 10 ล้าน (มีความรับผิดส่วนแรก 30,000 บาท) |
|---|---|---|---|---|---|---|
| Main Coverage | ||||||
| Max Annual Limit | 1,000,000 (per confinement · cancer, heart disease or stroke 1,100,000) | 5,000,000 (per confinement · cancer, heart disease or stroke 5,500,000) | 10,000,000 (per confinement · cancer, heart disease or stroke 11,000,000) | 1,000,000 (per confinement · cancer, heart disease or stroke 1,100,000) | 5,000,000 (per confinement · cancer, heart disease or stroke 5,500,000) | 10,000,000 (per confinement · cancer, heart disease or stroke 11,000,000) |
| Deductible | 100,000 (per confinement (Categories 1-5)) | 100,000 (per confinement (Categories 1-5)) | 100,000 (per confinement (Categories 1-5)) | 30,000 (per confinement (Categories 1-5)) | 30,000 (per confinement (Categories 1-5)) | 30,000 (per confinement (Categories 1-5)) |
| Room & Board per day | As charged (standard single room) (the hospital's starting single-room rate per day, up to 180 days) | As charged (standard single room) (the hospital's starting single-room rate per day, up to 180 days) | As charged (standard single room) (the hospital's starting single-room rate per day, up to 180 days) | As charged (standard single room) (the hospital's starting single-room rate per day, up to 180 days) | As charged (standard single room) (the hospital's starting single-room rate per day, up to 180 days) | As charged (standard single room) (the hospital's starting single-room rate per day, up to 180 days) |
| ICU | Paid as charged (ICU up to 60 days (within the 180 days of Category 1)) | Paid as charged (ICU up to 60 days (within the 180 days of Category 1)) | Paid as charged (ICU up to 60 days (within the 180 days of Category 1)) | Paid as charged (ICU up to 60 days (within the 180 days of Category 1)) | Paid as charged (ICU up to 60 days (within the 180 days of Category 1)) | Paid as charged (ICU up to 60 days (within the 180 days of Category 1)) |
| Surgical Fees | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Coverage Area | Thailand | Thailand | Thailand | Thailand | Thailand | Thailand |
| Emergency accident care (24 hrs, no admission) | - | - | 10,000 (outpatient within 24 hrs of an accident, per accident) | - | - | 10,000 (outpatient within 24 hrs of an accident, per accident) |
| Additional Coverage | ||||||
| Hospital General Expenses | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Medical Diagnostic Services | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Blood Services & Components | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Nursing Services | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Medications & Medical Supplies | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| IV Nutritional Substances | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Take-home medication & supplies (per admission, max 30 days) | 20,000 (take-home medicines, up to 7 days) | 20,000 (take-home medicines, up to 7 days) | 50,000 (take-home medicines, up to 7 days) | 20,000 (take-home medicines, up to 7 days) | 20,000 (take-home medicines, up to 7 days) | 50,000 (take-home medicines, up to 7 days) |
| Physician Hospital Visit Fee per day | Paid as charged (doctor's visits, up to 180 days) | Paid as charged (doctor's visits, up to 180 days) | Paid as charged (doctor's visits, up to 180 days) | Paid as charged (doctor's visits, up to 180 days) | Paid as charged (doctor's visits, up to 180 days) | Paid as charged (doctor's visits, up to 180 days) |
| Operating Room & Equipment | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Anesthesiology Fees | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Surgeon's fee incl. assistant (OIC 4.3) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Organ Transplant | Paid as charged (organ transplant, once per lifetime of this rider) | Paid as charged (organ transplant, once per lifetime of this rider) | Paid as charged (organ transplant, once per lifetime of this rider) | Paid as charged (organ transplant, once per lifetime of this rider) | Paid as charged (organ transplant, once per lifetime of this rider) | Paid as charged (organ transplant, once per lifetime of this rider) |
| Day Surgery | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Pre-Hospitalization | 2,000 (Category 6.1-6.2 combined, per admission (within 30 days before / after)) | 2,000 (Category 6.1-6.2 combined, per admission (within 30 days before / after)) | 10,000 (Category 6.1-6.2 combined, per admission (within 30 days before / after)) | 2,000 (Category 6.1-6.2 combined, per admission (within 30 days before / after)) | 2,000 (Category 6.1-6.2 combined, per admission (within 30 days before / after)) | 10,000 (Category 6.1-6.2 combined, per admission (within 30 days before / after)) |
| Post-Hospitalization | Included in Category 6 (follow-up OPD within 30 days of discharge) | Included in Category 6 (follow-up OPD within 30 days of discharge) | Included in Category 6 (follow-up OPD within 30 days of discharge) | Included in Category 6 (follow-up OPD within 30 days of discharge) | Included in Category 6 (follow-up OPD within 30 days of discharge) | Included in Category 6 (follow-up OPD within 30 days of discharge) |
| Dialysis | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) |
| Cancer Radiation Therapy | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) |
| Cancer Chemotherapy | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) | Included in Category 9-11 (Category 9-11 combined limit, per policy year) |
| Ambulance | Paid as charged (emergency ambulance) | Paid as charged (emergency ambulance) | Paid as charged (emergency ambulance) | Paid as charged (emergency ambulance) | Paid as charged (emergency ambulance) | Paid as charged (emergency ambulance) |
| Minor Surgery | Paid as charged (minor surgery) | Paid as charged (minor surgery) | Paid as charged (minor surgery) | Paid as charged (minor surgery) | Paid as charged (minor surgery) | Paid as charged (minor surgery) |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) | Paid as charged (within the 1,000,000 limit per confinement) | Paid as charged (within the 5,000,000 limit per confinement) | Paid as charged (within the 10,000,000 limit per confinement) |
| Cancer Treatment (Radiation/Chemo/Dialysis) | 100,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) | 100,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) | 200,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) | 100,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) | 100,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) | 200,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) |
| Starting Premium | ≈ 3,758* /yr | ≈ 4,189* /yr | ≈ 5,062* /yr | ≈ 9,672* /yr | ≈ 10,716* /yr | ≈ 12,322* /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 | Bangkok Life BLA Happy Health | |
|---|---|---|
| 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)
Rabbit Life
OPD Rider
From ฿3,950/yr
DeductibleNone
Tax Deduction BenefitTax deduction up to 25,000
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
🧾
กรุงเทพประกันชีวิต BLA Happy Health Plan 1M (deductible 100,000)
Premium 3,758 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Max Annual Limit1,000,000 (per confinement · cancer, heart disease or stroke 1,100,000)
Deductible100,000 (per confinement (Categories 1-5))
Take-home medication & supplies (per admission, max 30 days)20,000 (take-home medicines, up to 7 days)
Pre-Hospitalization2,000 (Category 6.1-6.2 combined, per admission (within 30 days before / after))
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
Bangkok Life BLA Happy Health - what does it cover?
Bangkok Life BLA Happy Health has 6 plans, from ฿3,758/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 กรุงเทพประกันชีวิต
กรุงเทพประกันชีวิต
กรุงเทพประกันชีวิต 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.
