Key Features of This Plan
Viriyah Gold by BDMS offers flexible coverage
Up to 5,000,000
Maximum Benefit per Admission
4 plans to choose from
Pick the plan that fits your budget and needs
From ฿21,924/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, Viriyah Gold by BDMS 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
Viriyah Gold by BDMS 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 Viriyah Gold by BDMS to find the best fit
| Coverage | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| Main Coverage | ||||
| Maximum Benefit per Admission | 600,000 | 1,000,000 | 3,000,000 | 5,000,000 |
| Deductible | None (Optional 20,000 / 50,000 / 100,000 baht per admission, excluding article 1 benefits) | None (Optional 20,000 / 50,000 / 100,000 baht per admission, excluding article 1 benefits) | None (Optional 20,000 / 50,000 / 100,000 baht per admission, excluding article 1 benefits) | None (Optional 20,000 / 50,000 / 100,000 baht per admission, excluding article 1 benefits) |
| Room & Board per day | 6,000/day (Up to 365 days per admission) | 10,000/day (Up to 365 days per admission) | 12,000/day (Up to 365 days per admission) | 15,000/day (Up to 365 days per admission) |
| ICU | As charged (Up to 15 days) | As charged (Up to 15 days) | As charged (Up to 15 days) | As charged (Up to 15 days) |
| Emergency accident care (24 hrs, no admission) | As charged (Within 24 hours of the accident (up to 31 days per time)) | As charged (Within 24 hours of the accident (up to 31 days per time)) | As charged (Within 24 hours of the accident (up to 31 days per time)) | As charged (Within 24 hours of the accident (up to 31 days per time)) |
| PA - Death/Dismemberment | 100,000 (Accident (Or.Bor.2) incl. driving or riding a motorcycle, murder and assault) | 100,000 (Accident (Or.Bor.2) incl. driving or riding a motorcycle, murder and assault) | 100,000 (Accident (Or.Bor.2) incl. driving or riding a motorcycle, murder and assault) | 100,000 (Accident (Or.Bor.2) incl. driving or riding a motorcycle, murder and assault) |
| General OPD Coverage | Not included (Optional 1,000 / 1,500 / 2,500 per visit (max 1 visit a day, 30 visits a year)) | Not included (Optional 1,000 / 1,500 / 2,500 per visit (max 1 visit a day, 30 visits a year)) | Not included (Optional 1,000 / 1,500 / 2,500 per visit (max 1 visit a day, 30 visits a year)) | Not included (Optional 1,000 / 1,500 / 2,500 per visit (max 1 visit a day, 30 visits a year)) |
| Coverage Area | BDMS group hospitals nationwide | BDMS group hospitals nationwide | BDMS group hospitals nationwide | BDMS group hospitals nationwide |
| Emergency Evacuation | - | 1,000,000 (Abroad · includes repatriation) | 1,000,000 (Abroad · includes repatriation) | 1,000,000 (Abroad · includes repatriation) |
| Additional Coverage | ||||
| Co-payment | None (Optional 30% co-payment of covered cost, articles 1 - 13; ages 15 days - 10 years must take 30% co-payment) | None (Optional 30% co-payment of covered cost, articles 1 - 13; ages 15 days - 10 years must take 30% co-payment) | None (Optional 30% co-payment of covered cost, articles 1 - 13; ages 15 days - 10 years must take 30% co-payment) | None (Optional 30% co-payment of covered cost, articles 1 - 13; ages 15 days - 10 years must take 30% co-payment) |
| Medical Diagnostic Services | As charged | As charged | As charged | As charged |
| Nursing Services | As charged | As charged | As charged | As charged |
| Medications & Medical Supplies | As charged | As charged | As charged | As charged |
| Take-home medication & supplies (per admission, max 30 days) | As charged (Up to 14 days) | As charged (Up to 14 days) | As charged (Up to 14 days) | As charged (Up to 14 days) |
| Physician Hospital Visit Fee per day | As charged | As charged | As charged | As charged |
| Operating Room & Equipment | As charged | As charged | As charged | As charged |
| Anesthesiology Fees | As charged | As charged | As charged | As charged |
| Surgeon's fee incl. assistant (OIC 4.3) | As charged | As charged | As charged | As charged |
| Organ Transplant | As charged | As charged | As charged | As charged |
| Day Surgery | As charged | As charged | As charged | As charged |
| Pre-Hospitalization | As charged (Diagnostic services only, within 30 days before and after the admission) | As charged (Diagnostic services only, within 30 days before and after the admission) | As charged (Diagnostic services only, within 30 days before and after the admission) | As charged (Diagnostic services only, within 30 days before and after the admission) |
| Post-Hospitalization | As charged (Within 30 days after discharge, excluding diagnostics) | As charged (Within 30 days after discharge, excluding diagnostics) | As charged (Within 30 days after discharge, excluding diagnostics) | As charged (Within 30 days after discharge, excluding diagnostics) |
| Post-Hospitalization Rehabilitation | As charged (Up to 30 days per admission) | As charged (Up to 30 days per admission) | As charged (Up to 30 days per admission) | As charged (Up to 30 days per admission) |
| Dialysis | 10,000 (Chronic kidney failure, dialysis through a blood vessel · per policy year) | 10,000 (Chronic kidney failure, dialysis through a blood vessel · per policy year) | 10,000 (Chronic kidney failure, dialysis through a blood vessel · per policy year) | 10,000 (Chronic kidney failure, dialysis through a blood vessel · per policy year) |
| Cancer Radiation Therapy | As charged (Tumour or cancer · per policy year) | As charged (Tumour or cancer · per policy year) | As charged (Tumour or cancer · per policy year) | As charged (Tumour or cancer · per policy year) |
| Cancer Chemotherapy | As charged (Per policy year) | As charged (Per policy year) | As charged (Per policy year) | As charged (Per policy year) |
| Ambulance | As charged | As charged | As charged | As charged |
| Minor Surgery | As charged | As charged | As charged | As charged |
| Child must apply with a parent | 15 (Ages 15 days - 15 must apply with a parent or legal guardian; both policies are approved and start together · the child's plan and sum insured may not be higher than the parent's or guardian's) | 15 (Ages 15 days - 15 must apply with a parent or legal guardian; both policies are approved and start together · the child's plan and sum insured may not be higher than the parent's or guardian's) | 15 (Ages 15 days - 15 must apply with a parent or legal guardian; both policies are approved and start together · the child's plan and sum insured may not be higher than the parent's or guardian's) | 15 (Ages 15 days - 15 must apply with a parent or legal guardian; both policies are approved and start together · the child's plan and sum insured may not be higher than the parent's or guardian's) |
| Daily Hospital Income Compensation | 6,000 (Per admission · when no inpatient medical expenses are claimed · no limit on admissions a year) | 10,000 (Per admission · when no inpatient medical expenses are claimed · no limit on admissions a year) | 12,000 (Per admission · when no inpatient medical expenses are claimed · no limit on admissions a year) | 15,000 (Per admission · when no inpatient medical expenses are claimed · no limit on admissions a year) |
| Surgical medicines, parenteral nutrition, supplies and equipment (OIC 4.2) | As charged | As charged | As charged | As charged |
| Waiting period | 30 days (120 days for endometriosis, all hernias, all stones, haemorrhoids, pterygium or cataract, tonsil or adenoid removal, leg varicose veins, tumours, cysts or any cancer · accidents covered at once) | 30 days (120 days for endometriosis, all hernias, all stones, haemorrhoids, pterygium or cataract, tonsil or adenoid removal, leg varicose veins, tumours, cysts or any cancer · accidents covered at once) | 30 days (120 days for endometriosis, all hernias, all stones, haemorrhoids, pterygium or cataract, tonsil or adenoid removal, leg varicose veins, tumours, cysts or any cancer · accidents covered at once) | 30 days (120 days for endometriosis, all hernias, all stones, haemorrhoids, pterygium or cataract, tonsil or adenoid removal, leg varicose veins, tumours, cysts or any cancer · accidents covered at once) |
| Maximum Renewal Age | Age 100 (Entry up to 60 · entry 61 - 65: renewable to 80) | Age 100 (Entry up to 60 · entry 61 - 65: renewable to 80) | Age 100 (Entry up to 60 · entry 61 - 65: renewable to 80) | Age 100 (Entry up to 60 · entry 61 - 65: renewable to 80) |
| Starting Premium | ≈ 21,924* /yr | ≈ 27,060* /yr | ≈ 36,444* /yr | ≈ 41,364* /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 | Viriyah Gold by BDMS | |
|---|---|---|
| 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 4
From ฿22,048/yr
Maximum Benefit per Admission1,500,000 (Per any one inpatient confinement)
DeductibleNone (This plan carries no deductible)
Room & Board per day6,000/day
Pacific Cross
Premier
From ฿21,752/yr
Maximum Benefit per Admission1,200,000
DeductibleNone (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 day5,000/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
🧾
วิริยะ Viriyah Gold by BDMS Plan 1 (600,000)
Premium 21,924 THB/year (age 30)
SCENARIO
An illness that needs a hospital stay
Maximum Benefit per Admission600,000
Room & Board per day6,000/day (Up to 365 days per admission)
PA - Death/Dismemberment100,000 (Accident (Or.Bor.2) incl. driving or riding a motorcycle, murder and assault)
Dialysis10,000 (Chronic kidney failure, dialysis through a blood vessel · per policy year)
These figures come from this plan's own data. What is actually paid depends on the policy conditions and exclusions.
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
Viriyah Gold by BDMS - what does it cover?
Viriyah Gold by BDMS has 4 plans, from ฿21,924/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 วิริยะ
วิริยะ
วิริยะ 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.
