Key Features of This Plan
CHUBB LMG Universal Plus offers flexible coverage
Up to 2,000,000 (Per any one inpatient confinement)
Maximum Benefit per Admission
5 plans to choose from
Pick the plan that fits your budget and needs
From ฿9,639/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, CHUBB LMG Universal Plus stands out for its comprehensive coverage with 5 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
CHUBB LMG Universal Plus 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 CHUBB LMG Universal Plus to find the best fit
| Coverage | Plan 1 | Plan 2 | Plan 3 | Plan 4 | Plan 5 |
|---|---|---|---|---|---|
| Main Coverage | |||||
| Maximum Benefit per Admission | 400,000 (Per any one inpatient confinement) | 600,000 (Per any one inpatient confinement) | 1,000,000 (Per any one inpatient confinement) | 1,500,000 (Per any one inpatient confinement) | 2,000,000 (Per any one inpatient confinement) |
| Deductible | None (This plan carries no deductible) | None (This plan carries no deductible) | None (This plan carries no deductible) | None (This plan carries no deductible) | None (This plan carries no deductible) |
| Room & Board per day | 2,000/day | 3,500/day | 5,000/day | 6,000/day | 8,000/day |
| ICU | As Charged | As Charged | As Charged | As Charged | As Charged |
| Emergency accident care (24 hrs, no admission) | 40,000 (Per accident, within 24 hrs of the accident) | 60,000 (Per accident, within 24 hrs of the accident) | 100,000 (Per accident, within 24 hrs of the accident) | 150,000 (Per accident, within 24 hrs of the accident) | 200,000 (Per accident, within 24 hrs of the accident) |
| PA - Death/Dismemberment | 50,000 (PA) | 100,000 (PA) | 150,000 (PA) | 200,000 (PA) | 300,000 (PA) |
| Emergency Evacuation | 1,000,000 (Emergency evacuation/repatriation up to 1,000,000 THB and repatriation of remains up to 1,000,000 THB (separate limits) - applies when travelling 150 km or more from the residence stated in the policy, or across a border, for a trip of at most 45 consecutive days) | 1,000,000 (Emergency evacuation/repatriation up to 1,000,000 THB and repatriation of remains up to 1,000,000 THB (separate limits) - applies when travelling 150 km or more from the residence stated in the policy, or across a border, for a trip of at most 45 consecutive days) | 1,000,000 (Emergency evacuation/repatriation up to 1,000,000 THB and repatriation of remains up to 1,000,000 THB (separate limits) - applies when travelling 150 km or more from the residence stated in the policy, or across a border, for a trip of at most 45 consecutive days) | 1,000,000 (Emergency evacuation/repatriation up to 1,000,000 THB and repatriation of remains up to 1,000,000 THB (separate limits) - applies when travelling 150 km or more from the residence stated in the policy, or across a border, for a trip of at most 45 consecutive days) | 1,000,000 (Emergency evacuation/repatriation up to 1,000,000 THB and repatriation of remains up to 1,000,000 THB (separate limits) - applies when travelling 150 km or more from the residence stated in the policy, or across a border, for a trip of at most 45 consecutive days) |
| General OPD Coverage | Not included | Not included | Not included | Not included | Not included |
| Coverage Area | Worldwide excl. USA | Worldwide excl. USA | Worldwide excl. USA | Worldwide excl. USA | Worldwide excl. USA |
| Additional Coverage | |||||
| Hospital General Expenses | 40,000 per admission | 60,000 per admission | 100,000 per admission | 150,000 per admission | 200,000 per admission |
| Medical Diagnostic Services | 40,000 (Within the general medical limit) | 60,000 (Within the general medical limit) | 100,000 (Within the general medical limit) | 150,000 (Within the general medical limit) | 200,000 (Within the general medical limit) |
| Blood Services & Components | 40,000 (Within the general medical limit) | 60,000 (Within the general medical limit) | 100,000 (Within the general medical limit) | 150,000 (Within the general medical limit) | 200,000 (Within the general medical limit) |
| Nursing Services | 40,000 (Within the general medical limit) | 60,000 (Within the general medical limit) | 100,000 (Within the general medical limit) | 150,000 (Within the general medical limit) | 200,000 (Within the general medical limit) |
| Medications & Medical Supplies | 40,000 (Within the general medical limit) | 60,000 (Within the general medical limit) | 100,000 (Within the general medical limit) | 150,000 (Within the general medical limit) | 200,000 (Within the general medical limit) |
| IV Nutritional Substances | 40,000 (Within the general medical limit) | 60,000 (Within the general medical limit) | 100,000 (Within the general medical limit) | 150,000 (Within the general medical limit) | 200,000 (Within the general medical limit) |
| Take-home medication & supplies (per admission, max 30 days) | 40,000 (Within the general medical limit) | 60,000 (Within the general medical limit) | 100,000 (Within the general medical limit) | 150,000 (Within the general medical limit) | 200,000 (Within the general medical limit) |
| Physician's Fees | 1,000/day | 1,500/day | 2,000/day | 2,500/day | 3,000/day |
| Physician Hospital Visit Fee per day | 1,000/day (Max per day, within the per-confinement limit) | 1,500/day (Max per day, within the per-confinement limit) | 2,000/day (Max per day, within the per-confinement limit) | 2,500/day (Max per day, within the per-confinement limit) | 3,000/day (Max per day, within the per-confinement limit) |
| Accident Outpatient within 24 hrs | 40,000 per admission | 60,000 per admission | 100,000 per admission | 150,000 per admission | 200,000 per admission |
| Operating Room & Equipment | 40,000 (Within the surgery limit) | 60,000 (Within the surgery limit) | 100,000 (Within the surgery limit) | 150,000 (Within the surgery limit) | 200,000 (Within the surgery limit) |
| Anesthesiology Fees | 40,000 (Within the surgery limit) | 60,000 (Within the surgery limit) | 100,000 (Within the surgery limit) | 150,000 (Within the surgery limit) | 200,000 (Within the surgery limit) |
| Surgeon's fee incl. assistant (OIC 4.3) | 40,000 (Within the surgery limit) | 60,000 (Within the surgery limit) | 100,000 (Within the surgery limit) | 150,000 (Within the surgery limit) | 200,000 (Within the surgery limit) |
| Organ Transplant | 40,000 (Within the surgery limit) | 60,000 (Within the surgery limit) | 100,000 (Within the surgery limit) | 150,000 (Within the surgery limit) | 200,000 (Within the surgery limit) |
| Pre-Hospitalization | 40,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) | 60,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) | 100,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) | 150,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) | 200,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) |
| Post-Hospitalization | 40,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) | 60,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) | 100,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) | 150,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) | 200,000 per admission (Shared pool with pre/post-hospitalization treatment, not a separate limit) |
| Post-Hospitalization Rehabilitation | 40,000 per admission | 60,000 per admission | 100,000 per admission | 150,000 per admission | 200,000 per admission |
| Dialysis | 40,000 per admission | 60,000 per admission | 100,000 per admission | 150,000 per admission | 200,000 per admission |
| Cancer Radiation Therapy | 40,000 per admission | 60,000 per admission | 100,000 per admission | 150,000 per admission | 200,000 per admission |
| Cancer Chemotherapy | 40,000 per admission | 60,000 per admission | 100,000 per admission | 150,000 per admission | 200,000 per admission |
| Ambulance | 40,000 per admission | 60,000 per admission | 100,000 per admission | 150,000 per admission | 200,000 per admission |
| Day Surgery | 40,000 per admission | 60,000 per admission | 100,000 per admission | 150,000 per admission | 200,000 per admission |
| Minor Surgery | 40,000 (Per any one inpatient confinement) | 60,000 (Per any one inpatient confinement) | 100,000 (Per any one inpatient confinement) | 150,000 (Per any one inpatient confinement) | 200,000 (Per any one inpatient confinement) |
| Pre-insurance Checkup | Age 45 and over: medical check-up required (Or submit medical records) | Age 45 and over: medical check-up required (Or submit medical records) | Age 45 and over: medical check-up required (Or submit medical records) | Age 45 and over: medical check-up required (Or submit medical records) | Age 45 and over: medical check-up required (Or submit medical records) |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | 40,000 (Within the surgery limit) | 60,000 (Within the surgery limit) | 100,000 (Within the surgery limit) | 150,000 (Within the surgery limit) | 200,000 (Within the surgery limit) |
| Surgical Fees | 40,000 | 60,000 | 100,000 | 150,000 | 200,000 |
| Starting Premium | ≈ 9,639* /yr | ≈ 11,567* /yr | ≈ 17,832* /yr | ≈ 22,048* /yr | ≈ 26,265* /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 | CHUBB LMG Universal Plus | |
|---|---|---|
| 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
Care Plus Plan 4
From ฿9,482/yr
Maximum Benefit per Admission600,000
Deductible20,000 (Per confinement; not applied to the PA benefit)
Room & Board per day4,000/day
Pacific Cross
Standard
From ฿9,830/yr
Maximum Benefit per Admission270,000
DeductibleNone (no deductible option)
Room & Board per day2,000/day (max 45 days per admission)
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
🧾
ชับบ์สามัคคี Universal Plus Plan 1
Premium 9,639 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Maximum Benefit per Admission400,000 (Per any one inpatient confinement)
DeductibleNone (This plan carries no deductible)
Room & Board per day2,000/day
ICUAs Charged
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
CHUBB LMG Universal Plus - what does it cover?
CHUBB LMG Universal Plus has 5 plans, from ฿9,639/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 ชับบ์สามัคคี
ชับบ์สามัคคี
ชับบ์สามัคคี 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.
