Key Features of This Plan
Bangkok Life BLA Value Health offers flexible coverage
Up to 5,000/day (room, board and hospital services, up to 125 days)
Room & Board per day
4 plans to choose from
Pick the plan that fits your budget and needs
From ฿6,440/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 Value Health 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
Bangkok Life BLA Value 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 Value Health to find the best fit
| Coverage | แผน 2000 | แผน 3000 | แผน 4000 | แผน 5000 |
|---|---|---|---|---|
| Main Coverage | ||||
| Max Annual Limit | No annual limit | No annual limit | No annual limit | No annual limit |
| Deductible | None | None | None | None |
| Room & Board per day | 2,000/day (room, board and hospital services, up to 125 days) | 3,000/day (room, board and hospital services, up to 125 days) | 4,000/day (room, board and hospital services, up to 125 days) | 5,000/day (room, board and hospital services, up to 125 days) |
| ICU | 4,000/day (2x room rate, up to 15 days (within the 125 days of Category 1)) | 6,000/day (2x room rate, up to 15 days (within the 125 days of Category 1)) | 8,000/day (2x room rate, up to 15 days (within the 125 days of Category 1)) | 10,000/day (2x room rate, up to 15 days (within the 125 days of Category 1)) |
| Emergency accident care (24 hrs, no admission) | 4,000 (outpatient within 24 hrs of an accident, per accident) | 6,000 (outpatient within 24 hrs of an accident, per accident) | 8,000 (outpatient within 24 hrs of an accident, per accident) | 8,000 (outpatient within 24 hrs of an accident, per accident) |
| Surgical Fees | 60,000 (Category 4.1-4.4 combined, per admission) | 100,000 (Category 4.1-4.4 combined, per admission) | 200,000 (Category 4.1-4.4 + 2 combined, per admission) | 400,000 (Category 4.1-4.4 + 2 combined, per admission) |
| Coverage Area | Thailand | Thailand | Thailand | Thailand |
| Additional Coverage | ||||
| Hospital General Expenses | 25,000 (all of Category 2 combined, per admission) | 30,000 (all of Category 2 combined, per admission) | 200,000 (Category 2 + 4.1-4.4 combined, per admission) | 400,000 (Category 2 + 4.1-4.4 combined, per admission) |
| Medical Diagnostic Services | Included in Category 2 (Category 2 limit 25,000 per admission) | Included in Category 2 (Category 2 limit 30,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| Blood Services & Components | Included in Category 2 (Category 2 limit 25,000 per admission) | Included in Category 2 (Category 2 limit 30,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| Nursing Services | Included in Category 2 (Category 2 limit 25,000 per admission) | Included in Category 2 (Category 2 limit 30,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| Medications & Medical Supplies | Included in Category 2 (Category 2 limit 25,000 per admission) | Included in Category 2 (Category 2 limit 30,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| IV Nutritional Substances | Included in Category 2 (Category 2 limit 25,000 per admission) | Included in Category 2 (Category 2 limit 30,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| Take-home medication & supplies (per admission, max 30 days) | 1,000 (take-home medicines, up to 7 days) | 1,000 (take-home medicines, up to 7 days) | 1,000 (take-home medicines, up to 7 days) | 1,000 (take-home medicines, up to 7 days) |
| Physician Hospital Visit Fee per day | 800/day (doctor's visits, up to 125 days) | 800/day (doctor's visits, up to 125 days) | 1,000/day (doctor's visits, up to 125 days) | 1,200/day (doctor's visits, up to 125 days) |
| Operating Room & Equipment | Included in Category 4 (Category 4.1-4.4 limit 60,000 per admission) | Included in Category 4 (Category 4.1-4.4 limit 100,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| Anesthesiology Fees | Included in Category 4 (Category 4.1-4.4 limit 60,000 per admission) | Included in Category 4 (Category 4.1-4.4 limit 100,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| Surgeon's fee incl. assistant (OIC 4.3) | Included in Category 4 (Category 4.1-4.4 limit 60,000 per admission) | Included in Category 4 (Category 4.1-4.4 limit 100,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| Organ Transplant | 120,000 (organ transplant, once per lifetime) | 200,000 (organ transplant, once per lifetime) | 200,000 (organ transplant, once per lifetime) | 400,000 (organ transplant, once per lifetime) |
| Day Surgery | Paid as charged (paid as if admitted as an inpatient) | Paid as charged (paid as if admitted as an inpatient) | Paid as charged (paid as if admitted as an inpatient) | Paid as charged (paid as if admitted as an inpatient) |
| Pre-Hospitalization | 3,000 (Category 6.1-6.2 combined, per admission) | 3,500 (Category 6.1-6.2 combined, per admission) | 5,000 (Category 6.1-6.2 combined, per admission) | 5,000 (Category 6.1-6.2 combined, per admission) |
| 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) |
| 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) |
| 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) |
| 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) |
| Ambulance | 2,000 (emergency ambulance, per trip) | 3,000 (emergency ambulance, per trip) | 4,000 (emergency ambulance, per trip) | 5,000 (emergency ambulance, per trip) |
| Minor Surgery | 6,000 (minor surgery, per time) | 9,000 (minor surgery, per time) | 10,000 (minor surgery, per time) | 10,000 (minor surgery, per time) |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | Included in Category 4 (Category 4.1-4.4 limit 60,000 per admission) | Included in Category 4 (Category 4.1-4.4 limit 100,000 per admission) | Paid as charged (within the shared 200,000 limit of Category 2 + 4.1-4.4 per admission) | Paid as charged (within the shared 400,000 limit of Category 2 + 4.1-4.4 per admission) |
| Cancer Treatment (Radiation/Chemo/Dialysis) | 20,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) | 35,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) | 50,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) | 50,000/year (dialysis, radiotherapy and chemotherapy (incl. targeted therapy) combined, per policy year) |
| Daily Hospital Income Compensation | - | - | 1,000/day (when admitted but not claiming inpatient benefits, up to 10 days per policy year) | 1,000/day (when admitted but not claiming inpatient benefits, up to 10 days per policy year) |
| Starting Premium | ≈ 6,440* /yr | ≈ 8,572* /yr | ≈ 12,638* /yr | ≈ 14,990* /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 Value 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
Hospital Income Benefit 4,000/day
From ฿6,490/yr
Maximum Benefit per AdmissionNone (Paid as daily cash)
DeductibleNone
ICU8,000/day (2x normal daily compensation)
Muang Thai Life
D Health Lite Plan 5M (deductible 100,000)
From ฿6,992/yr
Maximum Benefit per Admission5,000,000 (per admission, Sections 1-8 and 12-13 combined, after the deductible and co-payment (if any))
Deductible100,000 (per admission, for Sections 1-8 and 12-13)
Room & Board per day4,000/day (room, board and hospital services · 1.1 + 1.2 up to 180 days)
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 Value Health Plan 2000
Premium 6,440 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Room & Board per day2,000/day (room, board and hospital services, up to 125 days)
ICU4,000/day (2x room rate, up to 15 days (within the 125 days of Category 1))
Emergency accident care (24 hrs, no admission)4,000 (outpatient within 24 hrs of an accident, per accident)
Surgical Fees60,000 (Category 4.1-4.4 combined, per admission)
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 Value Health - what does it cover?
Bangkok Life BLA Value Health has 4 plans, from ฿6,440/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.
