Key Features of This Plan
Muang Thai Life Flexi Retire offers flexible coverage
Up to Per policy conditions
Annual Pension / Annuity Income
6 plans to choose from
Pick the plan that fits your budget and needs
From ฿5,397/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 Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, Muang Thai Life Flexi Retire stands out for its comprehensive coverage with 6 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
Muang Thai Life Flexi Retire 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 Muang Thai Life Flexi Retire to find the best fit
| Coverage | 9065 | 9060 | 9055 | 90-5 D65 | 90-5 D60 | 90-5 D55 |
|---|---|---|---|---|---|---|
| Main Coverage | ||||||
| Annual Pension / Annuity Income | Per policy conditions | - | - | - | - | Per policy conditions |
| Pay Premium Until Age | 65 | 60 | 55 | - | - | - |
| Coverage Until Age | 90 | 90 | 90 | 90 | 90 | 90 |
| Death before the pension starts | 105% of premiums paid or the surrender value, whichever is higher (before age 65) | 105% of premiums paid or the surrender value, whichever is higher (before age 60) | 105% of premiums paid or the surrender value, whichever is higher (before age 55) | 105% of premiums paid or the surrender value, whichever is higher (before age 65) | 105% of premiums paid or the surrender value, whichever is higher (before age 60) | 105% of premiums paid or the surrender value, whichever is higher (before age 55) |
| Death during the pension years | Premiums paid back, less pension already received (from age 65) | Premiums paid back, less pension already received (from age 60) | Premiums paid back, less pension already received (from age 55) | Premiums paid back, less pension already received (from age 65) | Premiums paid back, less pension already received (from age 60) | Premiums paid back, less pension already received (from age 55) |
| Pension Start Age | 65 | 60 | 55 | 65 | 60 | 55 |
| Pension End Age | 90 | 90 | 90 | 90 | 90 | 90 |
| Annual Annuity Rate (% of SA) | 12 | 12 | 12 | 12 | 12 | 12 |
| Premium Payment Term (Years) | - | - | - | 5 | 5 | 5 |
| Starting Premium | ≈ 5,397* /yr | ≈ 7,425* /yr | ≈ 10,391* /yr | ≈ 13,988* /yr | ≈ 17,290* /yr | ≈ 21,907* /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 | Muang Thai Life Flexi Retire | |
|---|---|---|
| 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 100,000 THB |
Compare with other insurers
Similar plans from other insurers (prices for age 30)
Terms & Conditions
Claims Process
The beneficiary files the claim with the insurer
Policy by email
Once approved, your policy arrives by email. Tell your beneficiary where it is kept.
Notify the insurer
When a claim arises the beneficiary notifies the insurer, or tells CheckDi and we help coordinate.
Submit documents
Submit the policy, death certificate, ID copies of the insured and the beneficiary, and anything else the insurer asks for.
Benefit paid
The insurer reviews and transfers the benefit to the beneficiary. For medical riders, use the medical card at the hospital as usual.
What this plan pays
Real figures from the lowest-priced plan in this family
เมืองไทยประกันชีวิต เฟล็กซี่ รีไทร์ 9065 (บำนาญแบบลดหย่อนได้)
Premium 5,397 THB/year (age 30)
The insured passes away while the policy is in force
These figures come from this plan's own data. What is actually paid depends on the policy conditions and exclusions.
Free help choosing a plan - and when you need to claim, the CheckDi team works with the insurer for you.
Frequently Asked Questions
About เมืองไทยประกันชีวิต
เมืองไทยประกันชีวิต
เมืองไทยประกันชีวิต 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.
