Key Features of This Plan
Pacific Cross Standard offers flexible coverage
Up to 780,000
Maximum Benefit per Admission
3 plans to choose from
Pick the plan that fits your budget and needs
From ฿9,830/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, Pacific Cross Standard 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
Pacific Cross Standard 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 Pacific Cross Standard to find the best fit
| Coverage | Standard | Plus | Extra |
|---|---|---|---|
| Main Coverage | |||
| Maximum Benefit per Admission | 270,000 | 450,000 | 780,000 |
| Deductible | None (no deductible option) | None (no deductible option) | None (choose a deductible of 20,000 / 40,000 / 100,000 / 200,000 / 300,000 THB per policy year for a 15% / 25% / 32.5% / 40% / 50% premium discount) |
| Room & Board per day | 2,000/day (max 45 days per admission) | 3,000/day (max 45 days per admission) | 4,000/day (max 45 days per admission) |
| ICU | 4,000/day (max 15 days) | 6,000/day (max 15 days) | 8,000/day (max 15 days) |
| Emergency accident care (24 hrs, no admission) | 4,000 (includes follow-up treatment within 15 days) | 6,000 (includes follow-up treatment within 15 days) | 8,000 (includes follow-up treatment within 15 days) |
| PA - Death/Dismemberment | 100,000 (PA1; extended to riding or riding pillion on a motorcycle and to murder or assault; extra cover at 145 THB per 100,000, up to 1,000,000) | 100,000 (PA1; extended to riding or riding pillion on a motorcycle and to murder or assault; extra cover at 145 THB per 100,000, up to 3,000,000) | 150,000 (PA1; extended to riding or riding pillion on a motorcycle and to murder or assault; extra cover at 145 THB per 100,000, up to 3,000,000) |
| Emergency Evacuation | Paid in full (worldwide 24-hour service; when more than 150 km from home or across a border, max 90 consecutive days) | Paid in full (worldwide 24-hour service; when more than 150 km from home or across a border, max 90 consecutive days) | Paid in full (worldwide 24-hour service; when more than 150 km from home or across a border, max 90 consecutive days) |
| General OPD Coverage | 1,000/visit (once a day, max 30 visits a year; 20% premium discount without the outpatient benefit) | 1,500/visit (once a day, max 30 visits a year; 20% premium discount without the outpatient benefit) | 2,000/visit (once a day, max 30 visits a year; 20% premium discount without the outpatient benefit) |
| Coverage Area | Thailand (worldwide 24-hour emergency cover (max 90 consecutive days per trip); elective treatment outside Thailand is considered case by case, approval not guaranteed) | Thailand (worldwide 24-hour emergency cover (max 90 consecutive days per trip); elective treatment outside Thailand is considered case by case, approval not guaranteed) | Thailand (worldwide 24-hour emergency cover (max 90 consecutive days per trip); elective treatment outside Thailand is considered case by case, approval not guaranteed) |
| Additional Coverage | |||
| OPD - Prescribed Medicine | 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 |
| Co-payment | 35% | 35% | 35% |
| Hospital General Expenses | 20,000 | 50,000 | 100,000 |
| Medical Diagnostic Services | Included in Section 2 | Included in Section 2 | Included in Section 2 |
| Nursing Services | Included in Section 2 (includes therapeutic medical services, blood and blood components) | Included in Section 2 (includes therapeutic medical services, blood and blood components) | Included in Section 2 (includes therapeutic medical services, blood and blood components) |
| Medications & Medical Supplies | Included in Section 2 (includes IV nutrition) | Included in Section 2 (includes IV nutrition) | Included in Section 2 (includes IV nutrition) |
| Take-home medication & supplies (per admission, max 30 days) | 2,000 (max 14 days) | 3,000 (max 14 days) | 4,000 (max 14 days) |
| Physician Hospital Visit Fee per day | 1,200/day (max 45 days per admission) | 1,700/day (max 45 days per admission) | 2,200/day (max 45 days per admission) |
| Operating Room & Equipment | Included in Section 4 | Included in Section 4 | Included in Section 4 |
| Anesthesiology Fees | Included in Section 4 | Included in Section 4 | Included in Section 4 |
| Surgeon's fee incl. assistant (OIC 4.3) | Included in section 4 | Included in Section 4 | Included in section 4 |
| Organ Transplant | 40,000 | 100,000 | 200,000 |
| Surgical medical implants or prosthetic implants | 20,000 (5 year waiting period) | 50,000 (5 year waiting period) | 100,000 (5 year waiting period) |
| Day Surgery | 20,000 | 50,000 | 100,000 |
| Pre-Hospitalization | Included in Section 2 or 5 (directly related diagnostics within 30 days before and after the hospital stay) | Included in Section 2 or 5 (directly related diagnostics within 30 days before and after the hospital stay) | Included in Section 2 or 5 (directly related diagnostics within 30 days before and after the hospital stay) |
| Post-Hospitalization | Included in Section 2 or 5 (within 30 days of discharge, excl. diagnostic services) | Included in Section 2 or 5 (within 30 days of discharge, excl. diagnostic services) | Included in Section 2 or 5 (within 30 days of discharge, excl. diagnostic services) |
| Post-Hospitalization Rehabilitation | Included in Section 2 (follow-up within 30 days of discharge) | Included in Section 2 (follow-up within 30 days of discharge) | Included in Section 2 (follow-up within 30 days of discharge) |
| Dialysis | 20,000 (per policy year) | 50,000 (per policy year) | 100,000 (per policy year) |
| Cancer Radiation Therapy | Paid in full (per policy year) | Paid in full (per policy year) | Paid in full (per policy year) |
| Cancer Chemotherapy | Paid in full (per policy year) | Paid in full (per policy year) | Paid in full (per policy year) |
| Ambulance | 1,000 | 1,000 | 2,000 |
| Minor Surgery | 20,000 | 50,000 | 100,000 |
| Dental Coverage | Not covered | Not covered | Not covered |
| Vision Coverage | Not covered | Not covered | Not covered |
| Pre-insurance Checkup | Required for age 65+ | Required for age 65+ | Required for age 65+ |
| Alternative Medicine (TCM/Acupuncture/Chiro) | Not covered (outpatient physiotherapy, acupuncture and chiropractic are included in the outpatient benefit) | 3 visits/year (outpatient physiotherapy, acupuncture and chiropractic are included in the outpatient benefit) | 3 visits/year (outpatient physiotherapy, acupuncture and chiropractic are included in the outpatient benefit) |
| Mental Health Coverage | Not covered | Not covered | Not covered |
| Maternity - Routine | Not covered | Not covered | Not covered |
| Emergency cesarean section or ectopic pregnancy | Not covered | Not covered | Not covered |
| Miscarriage | Not covered (includes dilation & curettage and ectopic pregnancy) | Not covered (includes dilation & curettage and ectopic pregnancy) | Not covered (includes dilation & curettage and ectopic pregnancy) |
| Nursing at Home | Not covered (max 30 days, as ordered by a doctor) | Not covered (max 30 days, as ordered by a doctor) | 10,000 (max 30 days, as ordered by a doctor) |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | Included in section 4 | Included in Section 4 | Included in section 4 |
| Surgical Fees | 20,000 | 50,000 | 100,000 |
| Starting Premium | ≈ 9,830* /yr | ≈ 13,546* /yr | ≈ 16,938* /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 | Pacific Cross Standard | |
|---|---|---|
| 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)
CHUBB
Universal Plus Plan 1
From ฿9,639/yr
Maximum Benefit per Admission400,000 (Per any one inpatient confinement)
DeductibleNone (This plan carries no deductible)
Room & Board per day2,000/day
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
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
🧾
Pacific Cross Standard
Premium 9,830 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Maximum Benefit per Admission270,000
DeductibleNone (no deductible option)
Room & Board per day2,000/day (max 45 days per admission)
ICU4,000/day (max 15 days)
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
Pacific Cross Standard - what does it cover?
Pacific Cross Standard has 3 plans, from ฿9,830/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 Pacific Cross
Pacific Cross
Pacific Cross 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.
