What is Personal Accident Insurance?

PA insurance pays compensation when the insured is injured, dies, or becomes disabled from an unintentional external event. Unlike health insurance, PA does not cover illness but offers much higher death/disability coverage at a fraction of the cost.

What Does PA Insurance Cover?

The most common confusion — what counts as an "accident" under PA?

✓ Covered

  • ✓
    Road accidentsCar crash, motorbike spill, pedestrian hit
  • ✓
    FallsStairs, slips at home, falls from height
  • ✓
    Drowning
  • ✓
    Fire / scalds / electric shock
  • ✓
    Animal attacksDog bite, snake bite, insect sting
  • ✓
    Assault / murderMost BOR 1 + BOR 2
  • ✓
    Falling / impact objects
  • ✓
    Severe food poisoningSelect plans only

✕ Not Covered

  • ✕
    General illnessFlu, heart disease, diabetes, cancer
  • ✕
    Self-harm
  • ✕
    War / riot / terrorism
  • ✕
    Extreme sportsRequires specific plan
  • ✕
    Drugs / illegal substances
  • ✕
    Illegal drivingNo license, over alcohol limit
  • ✕
    Pregnancy / childbirth
  • ✕
    Pre-existing conditions

Optional rider add-ons: 💰 Daily compensation🦴 Fractures🏍️ Motorbike👶 Child rider✈️ Overseas⛷️ Extreme sports

How to Choose Good PA Insurance

PA combines 3 core parts — check all 3

Part 1 · Loss Benefit

Target
10× annual income
  • ✓ Death / disability sum (500K / 1M / 2M)
  • ✓ BOR type — BOR 2 includes murder
  • ✓ Partial disability — good plans pay pro-rata
  • ✓ Motorbike coverage — required if you ride
  • ✓ Fracture / burn benefit

Part 2 · Medical Expenses

Per-incident limit
≥ 30,000 THB
  • ✓ Private-hospital fracture starts 80,000+
  • ✓ Covers IPD + OPD
  • ✓ Cashless hospital network
  • ✓ Physical therapy — some plans exclude
  • ✓ No co-pay / deductible

Part 3 · Income Replacement

Per day
≥ 1,000 THB/day
  • ✓ Critical for freelancers / self-employed
  • ✓ Max days — usually 365
  • ✓ Starts day 1, not after 3-5 days
  • ✓ Monthly to family 5k-30k / month
  • ✓ Monthly disability benefit
Summary: Cover all 3 parts. Other extras (funeral / dental / transport) are bonuses.

⚠️ Red Flags

✕ No motorbike coverage — useless if you ride
✕ Medical sub-limit under 20,000
✕ Unusually many exclusions
✕ Narrow "accident" definition — vehicle-only

Who Should Especially Buy

🏍️ Motorbike riders🔧 High-risk jobs👨‍👩‍👧 Breadwinner⛰️ Athletes💼 Freelancers🚗 Frequent travelers👴 Elderly

Common Mistakes

  • ⚠️ Watching price, not coverage
  • ⚠️ Not reading exclusions
  • ⚠️ Misdeclaring occupation
  • ⚠️ Thinking PA = health insurance

How Much Does PA Insurance Cost?

Price range for 1 million THB coverage, general occupation

AgePremium (THB / year)
18–25499–1,000
26–351,000–1,800
36–451,800–2,800
46–552,800–4,500
56–654,500–7,500
66+7,500+

Real Accident Treatment Costs in Thailand

Look at real private-hospital costs before saying ฿1,200 / year is expensive

ScenarioCost (THB)
Fracture + metal plate surgery verify80,000–250,000
Brain surgery (head injury) verify300,000–800,000
ICU 1 week verify200,000–500,000
3 months physiotherapy verify30,000–80,000
Burns + skin graft verify150,000–500,000
Question: If you had to pay 200,000 THB today, where from? PA at ฿1,200 / year (฿100 / month) covers over 1 million THB.

🛡️ OIC Standard Compensation Rates

OIC sets standard compensation rates — e.g. Death = 100% · Loss of one leg = 50% · Thumb = 20%

See full compensation table →

Pros and When PA Might Not Be the Answer

✓ Pros

  • Cheapest premium — ฿499 / year for 1M coverage
  • Easy apply, no medical checkup
  • Fast payout, 5-15 business days
  • Premium rises gently with age

? Maybe Not Right

  • You have group insurance from work — check before doubling up
  • Your car insurance has PA — Class 1 sometimes includes
  • 65+ premium is expensive — value drops
  • No dependents

How to Save on PA Premiums

  1. 1. Buy through a broker — same price, see all insurers at once
  2. 2. Pay annually — save 2-5%
  3. 3. Declare the correct occupation class
  4. 4. Buy young — age 25 is cheaper than 45
  5. 5. Drop unused riders
  6. 6. Bundle with car / life — save 10-15%
  7. 7. Compare annually — CheckDi compares for free

How to Apply and Claim

📋 Application Steps

  1. Compare plans — enter age, gender, occupation
  2. Pick a plan and riders
  3. Fill in insured-person details
  4. Pay — card / transfer / QR / 0% installment
  5. Receive policy by email instantly

✅ Claim Steps

  1. Notify within 30 days
  2. Collect docs — medical certificate, receipts, police report
  3. Submit claim form
  4. Insurer reviews 5-15 days
  5. Receive payout to your account

Frequently Asked Questions

How is PA different from health insurance?

PA covers accidents only, not illness. Health insurance covers both. PA is much cheaper and includes death/disability benefits that health insurance doesn't. Ideally you should have both.

How much does PA insurance cost?

For ages 18-25, premiums start at ฿499-1,000 / year for 1 million baht coverage.

Do I need a health checkup before buying?

Most plans don't require one. You can apply online instantly — just declare your occupation accurately.

What documents do I need to file a claim?

Medical certificate, receipts, police report (for car accidents), ID copy, and bank book. Processing takes 5-15 business days.

Which plan is best for motorcycle riders?

Choose a plan that explicitly includes motorcycle coverage. CheckDi's comparison page has a filter for this.

What if I had an accident after drinking alcohol?

If your blood alcohol is under 150 mg%, most plans still cover you. Above that, the insurer may reject the claim.

Who receives the payout if I die?

The beneficiary named in your policy. If none is named, it goes to your legal heirs.

Is there a waiting period?

Most PA plans have no waiting period — coverage starts immediately.

Is buying through CheckDi different from buying direct?

Same price, no additional fees. You see multiple insurers in one place and get claims support from the CheckDi team.

Insurance That Pairs Well with PA

PA covers accidents but not illness — these close the remaining gaps

🏥

Health Insurance

Covers illness + accidents, room & board, surgery, OPD/IPD — what PA doesn't cover

Compare Health Plans →
🎗️

Cancer Insurance

Low premiums, million-baht coverage for all cancer stages, lump-sum payout on diagnosis

Compare Cancer Plans →
👨‍👩‍👧

Life Insurance

Higher life coverage than PA, includes critical illness, savings, tax deduction — for breadwinners

Compare Life Plans →