Key Features of This Plan
Rabbit Life Rabbit Health Smile offers flexible coverage
Up to 10,000,000 (serious illness: cancer, heart, stroke up to 1,000,000-20,000,000 THB per admission, per plan)
Maximum Benefit per Admission
5 plans to choose from
Pick the plan that fits your budget and needs
From ฿17,741/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, Rabbit Life Rabbit Health Smile 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
Rabbit Life Rabbit Health Smile 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 Rabbit Life Rabbit Health Smile to find the best fit
| Coverage | HSM 500,000 | HSM 1,000,000 | HSM 2,500,000 | HSM 5,000,000 | HSM 10,000,000 |
|---|---|---|---|---|---|
| Main Coverage | |||||
| Maximum Benefit per Admission | 500,000 (serious illness: cancer, heart, stroke up to 1,000,000-20,000,000 THB per admission, per plan) | 1,000,000 (serious illness: cancer, heart, stroke up to 1,000,000-20,000,000 THB per admission, per plan) | 2,500,000 (serious illness: cancer, heart, stroke up to 1,000,000-20,000,000 THB per admission, per plan) | 5,000,000 (serious illness: cancer, heart, stroke up to 1,000,000-20,000,000 THB per admission, per plan) | 10,000,000 (serious illness: cancer, heart, stroke up to 1,000,000-20,000,000 THB per admission, per plan) |
| Deductible | None (optional 20,000 / 50,000 / 100,000 THB for a lower premium · Plan 500,000: 20,000 / 50,000) | None (optional 20,000 / 50,000 / 100,000 THB for a lower premium · Plan 500,000: 20,000 / 50,000) | None (optional 20,000 / 50,000 / 100,000 THB for a lower premium · Plan 500,000: 20,000 / 50,000) | None (optional 20,000 / 50,000 / 100,000 THB for a lower premium · Plan 500,000: 20,000 / 50,000) | None (optional 20,000 / 50,000 / 100,000 THB for a lower premium · Plan 500,000: 20,000 / 50,000) |
| Room & Board per day | 4,000/day (up to 365 days) | 5,000/day (up to 365 days) | 6,000/day (up to 365 days) | 7,000/day (up to 365 days) | 10,000/day (up to 365 days) |
| ICU | 8,000/day (2x room rate, up to 15 days) | 10,000/day (2x room rate, up to 15 days) | 12,000/day (2x room rate, up to 15 days) | 14,000/day (2x room rate, up to 15 days) | 20,000/day (2x room rate, up to 15 days) |
| Emergency accident care (24 hrs, no admission) | Paid as charged (up to the maximum benefit per admission · within 24 hrs of an accident) | Paid as charged (up to the maximum benefit per admission · within 24 hrs of an accident) | Paid as charged (up to the maximum benefit per admission · within 24 hrs of an accident) | Paid as charged (up to the maximum benefit per admission · within 24 hrs of an accident) | Paid as charged (up to the maximum benefit per admission · within 24 hrs of an accident) |
| Surgical Fees | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Coverage Area | Thailand | Thailand | Thailand | Thailand | Thailand |
| Additional Coverage | |||||
| Hospital General Expenses | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Medical Diagnostic Services | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Blood Services & Components | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Nursing Services | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Medications & Medical Supplies | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| IV Nutritional Substances | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Take-home medication & supplies (per admission, max 30 days) | 10,000 (max 7 days) | 10,000 (max 7 days) | 20,000 (max 7 days) | 20,000 (max 7 days) | 20,000 (max 7 days) |
| Physician Hospital Visit Fee per day | Paid as charged (up to the maximum benefit per admission · up to 365 days) | Paid as charged (up to the maximum benefit per admission · up to 365 days) | Paid as charged (up to the maximum benefit per admission · up to 365 days) | Paid as charged (up to the maximum benefit per admission · up to 365 days) | Paid as charged (up to the maximum benefit per admission · up to 365 days) |
| Operating Room & Equipment | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Anesthesiology Fees | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Surgeon's fee incl. assistant (OIC 4.3) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Organ Transplant | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Day Surgery | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Pre-Hospitalization | Paid as charged (within 30 days before and after the admission · up to the maximum benefit per admission) | Paid as charged (within 30 days before and after the admission · up to the maximum benefit per admission) | Paid as charged (within 30 days before and after the admission · up to the maximum benefit per admission) | Paid as charged (within 30 days before and after the admission · up to the maximum benefit per admission) | Paid as charged (within 30 days before and after the admission · up to the maximum benefit per admission) |
| Post-Hospitalization | Paid as charged (within 30 days after discharge · up to the maximum benefit per admission) | Paid as charged (within 30 days after discharge · up to the maximum benefit per admission) | Paid as charged (within 30 days after discharge · up to the maximum benefit per admission) | Paid as charged (within 30 days after discharge · up to the maximum benefit per admission) | Paid as charged (within 30 days after discharge · up to the maximum benefit per admission) |
| Post-Hospitalization Rehabilitation | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Dialysis | 50,000/year (per policy year) | 50,000/year (per policy year) | 100,000/year (per policy year) | 100,000/year (per policy year) | 200,000/year (per policy year) |
| Cancer Radiation Therapy | 50,000/year (per policy year) | 50,000/year (per policy year) | 100,000/year (per policy year) | 100,000/year (per policy year) | 200,000/year (per policy year) |
| Cancer Chemotherapy | 50,000/year (per policy year) | 50,000/year (per policy year) | 100,000/year (per policy year) | 100,000/year (per policy year) | 200,000/year (per policy year) |
| Ambulance | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Minor Surgery | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) | Paid as charged (up to the maximum benefit per admission) |
| Cancer Treatment (Radiation/Chemo/Dialysis) | 50,000/year (Covers dialysis, radiation therapy and chemotherapy, each per policy year) | 50,000/year (Covers dialysis, radiation therapy and chemotherapy, each per policy year) | 100,000/year (Covers dialysis, radiation therapy and chemotherapy, each per policy year) | 100,000/year (Covers dialysis, radiation therapy and chemotherapy, each per policy year) | 200,000/year (Covers dialysis, radiation therapy and chemotherapy, each per policy year) |
| Maximum Renewal Age | 98 (Entry age 6-75, renewable to age 98) | 98 (Entry age 6-75, renewable to age 98) | 98 (Entry age 6-75, renewable to age 98) | 98 (Entry age 6-75, renewable to age 98) | 98 (Entry age 6-75, renewable to age 98) |
| Starting Premium | ≈ 17,741* /yr | ≈ 19,214* /yr | ≈ 20,047* /yr | ≈ 20,964* /yr | ≈ 22,432* /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 | Rabbit Life Rabbit Health Smile | |
|---|---|---|
| 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)
Muang Thai Life
D Health Lite Plan 1M (co-pay 90:10)
From ฿17,680/yr
Maximum Benefit per Admission1,000,000 (per admission, Sections 1-8 and 12-13 combined, after the deductible and co-payment (if any))
Room & Board per day2,000/day (room, board and hospital services · 1.1 + 1.2 up to 180 days)
Take-home medication & supplies (per admission, max 30 days)20,000 (take-home medicines and consumables, up to 14 days)
Bangkok Life
BLA Happy Health Premier Plan 1M (no deductible)
From ฿18,300/yr
Max Annual Limit1,000,000 (per confinement · cancer, heart disease or stroke 1,100,000)
Room & Board per day3,000/day (or the hospital's starting single-room rate, whichever is higher · up to 180 days)
Benefits on first detection of the following critical illnesses300,000 (critical-condition lump sum, once per lifetime · outside the per-confinement maximum)
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
🧾
แรบบิท ประกันชีวิต Health Smile (HSM) 500,000
Premium 17,741 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Maximum Benefit per Admission500,000 (serious illness: cancer, heart, stroke up to 1,000,000-20,000,000 THB per admission, per plan)
Room & Board per day4,000/day (up to 365 days)
ICU8,000/day (2x room rate, up to 15 days)
Emergency accident care (24 hrs, no admission)Paid as charged (up to the maximum benefit per admission · within 24 hrs of an accident)
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
Rabbit Life Rabbit Health Smile - what does it cover?
Rabbit Life Rabbit Health Smile has 5 plans, from ฿17,741/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 แรบบิท ประกันชีวิต
แรบบิท ประกันชีวิต
แรบบิท ประกันชีวิต 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.
