Key Features of This Plan
Falcon Health O-X offers flexible coverage
Up to 1,000,000
Max Annual Limit
5 plans to choose from
Pick the plan that fits your budget and needs
From ฿23,235/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, Falcon Health O-X 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
Falcon Health O-X 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 Falcon Health O-X to find the best fit
| Coverage | Plan 4 | Plan 5 | Plan 1 | Plan 2 | Plan 3 |
|---|---|---|---|---|---|
| Main Coverage | |||||
| Max Annual Limit | 800,000 | 1,000,000 | 400,000 | 800,000 | 1,000,000 |
| Maximum Benefit per Admission | 80,000 | 100,000 | 40,000 | 80,000 | 100,000 |
| Deductible | 50,000 (per treatment (inpatient)) | 50,000 (per treatment (inpatient)) | None | None | None |
| Room & Board per day | 5,000/day (max 365 days per admission) | 6,000/day (max 365 days per admission) | 4,000/day (max 365 days per admission) | 5,000/day (max 365 days per admission) | 6,000/day (max 365 days per admission) |
| ICU | 10,000/day (2x the room rate, max 15 days) | 12,000/day (2x the room rate, max 15 days) | 8,000/day (2x the room rate, max 15 days) | 10,000/day (2x the room rate, max 15 days) | 12,000/day (2x the room rate, max 15 days) |
| Emergency accident care (24 hrs, no admission) | As actual (includes follow-up treatment within 15 days) | As actual (includes follow-up treatment within 15 days) | As actual (includes follow-up treatment within 15 days) | As actual (includes follow-up treatment within 15 days) | As actual (includes follow-up treatment within 15 days) |
| PA - Death/Dismemberment | 100,000 (PA1; accidents while riding or riding pillion on a motorcycle are not covered) | 100,000 (PA1; accidents while riding or riding pillion on a motorcycle are not covered) | 100,000 (PA1; accidents while riding or riding pillion on a motorcycle are not covered) | 100,000 (PA1; accidents while riding or riding pillion on a motorcycle are not covered) | 100,000 (PA1; accidents while riding or riding pillion on a motorcycle are not covered) |
| General OPD Coverage | 1,500/visit (once a day, max 30 visits a year; no deductible) | 2,000/visit (once a day, max 30 visits a year; no deductible) | 1,500/visit (once a day, max 30 visits a year; no deductible) | 1,500/visit (once a day, max 30 visits a year; no deductible) | 2,000/visit (once a day, max 30 visits a year; no deductible) |
| Coverage Area | Thailand | Thailand | Thailand | Thailand | Thailand |
| Additional Coverage | |||||
| OPD - Prescribed Medicine | Included in outpatient benefit | Included in outpatient benefit | Included in outpatient benefit | Included in outpatient benefit | Included in outpatient benefit |
| OPD - Lab/X-ray/Diagnostic | Included in outpatient benefit | Included in outpatient benefit | Included in outpatient benefit | Included in outpatient benefit | Included in outpatient benefit |
| Outpatient co-insurance | None | None | None | None | None |
| Funeral Expenses | 10,000 (death from injury or illness; 180-day waiting period) | 10,000 (death from injury or illness; 180-day waiting period) | 10,000 (death from injury or illness; 180-day waiting period) | 10,000 (death from injury or illness; 180-day waiting period) | 10,000 (death from injury or illness; 180-day waiting period) |
| Co-payment | None | None | None | None | None |
| Medical Diagnostic Services | As actual | As actual | As actual | As actual | As actual |
| Nursing Services | As actual (includes therapeutic medical services, blood and blood components) | As actual (includes therapeutic medical services, blood and blood components) | As actual (includes therapeutic medical services, blood and blood components) | As actual (includes therapeutic medical services, blood and blood components) | As actual (includes therapeutic medical services, blood and blood components) |
| Medications & Medical Supplies | As actual (includes IV nutrition) | As actual (includes IV nutrition) | As actual (includes IV nutrition) | As actual (includes IV nutrition) | As actual (includes IV nutrition) |
| Take-home medication & supplies (per admission, max 30 days) | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 |
| Physician Hospital Visit Fee per day | As actual (max 365 days per admission) | As actual (max 365 days per admission) | As actual (max 365 days per admission) | As actual (max 365 days per admission) | As actual (max 365 days per admission) |
| Operating Room & Equipment | As actual | As actual | As actual | As actual | As actual |
| Anesthesiology Fees | As actual | As actual | As actual | As actual | As actual |
| Organ Transplant | Not covered | Not covered | Not covered | Not covered | Not covered |
| Day Surgery | As actual | As actual | As actual | As actual | As actual |
| Pre-Hospitalization | Not covered (diagnostics within 30 days before and after hospitalisation) | Not covered (diagnostics within 30 days before and after hospitalisation) | Not covered (diagnostics within 30 days before and after hospitalisation) | Not covered (diagnostics within 30 days before and after hospitalisation) | Not covered (diagnostics within 30 days before and after hospitalisation) |
| Post-Hospitalization | As actual (within 30 days of discharge, excl. diagnostics) | As actual (within 30 days of discharge, excl. diagnostics) | As actual (within 30 days of discharge, excl. diagnostics) | As actual (within 30 days of discharge, excl. diagnostics) | As actual (within 30 days of discharge, excl. diagnostics) |
| Post-Hospitalization Rehabilitation | As actual (within 30 days of discharge) | As actual (within 30 days of discharge) | As actual (within 30 days of discharge) | As actual (within 30 days of discharge) | As actual (within 30 days of discharge) |
| Dialysis | Not covered | Not covered | Not covered | Not covered | Not covered |
| Cancer Radiation Therapy | Not covered | Not covered | Not covered | Not covered | Not covered |
| Cancer Chemotherapy | Not covered | Not covered | Not covered | Not covered | Not covered |
| Ambulance | 3,000 | 3,000 | 3,000 | 3,000 | 3,000 |
| Minor Surgery | Not covered | Not covered | Not covered | Not covered | Not covered |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | As charged | As charged | As charged | As charged | As charged |
| Waiting period | 30 days (general waiting period 30 days for illness; 120 days for conditions named in the policy (clause 5)) | 30 days (general waiting period 30 days for illness; 120 days for conditions named in the policy (clause 5)) | 30 days (general waiting period 30 days for illness; 120 days for conditions named in the policy (clause 5)) | 30 days (general waiting period 30 days for illness; 120 days for conditions named in the policy (clause 5)) | 30 days (general waiting period 30 days for illness; 120 days for conditions named in the policy (clause 5)) |
| Surgical Fees | As actual | As actual | As actual | As actual | As actual |
| Starting Premium | ≈ 23,235* /yr | ≈ 30,144* /yr | ≈ 32,070* /yr | ≈ 35,400* /yr | ≈ 43,670* /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 | Falcon Health O-X | |
|---|---|---|
| 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 50)
CHUBB
Universal Plus Plan 2
From ฿23,374/yr
Maximum Benefit per Admission600,000 (Per any one inpatient confinement)
DeductibleNone (This plan carries no deductible)
Room & Board per day3,500/day
Allianz
Smarter Health Plus Plan 1
From ฿23,494/yr
Max Annual Limit750,000
DeductibleNone
Room & Board per day4,000/day
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
🧾
ฟอลคอน Health O-X Plan 4
Premium 23,235 THB/year (age 50)
SCENARIO
An illness that needs a hospital stay
Max Annual Limit800,000
Maximum Benefit per Admission80,000
Deductible50,000 (per treatment (inpatient))
Room & Board per day5,000/day (max 365 days 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
Falcon Health O-X - what does it cover?
Falcon Health O-X has 5 plans, from ฿23,235/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 ฟอลคอน
ฟอลคอน
ฟอลคอน 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.
