Key Features of This Plan
Generali PA Koom Sure offers flexible coverage
Up to 1,000,000 (excludes riding or travelling on a motorcycle)
Death/Dismemberment/TPD
3 coverage levels
Pick the level that fits your budget and needs
From ฿1,650/year
The medical, disability, dismemberment and fracture part of the premium is tax deductible, up to 25,000 THB/year
Motorcycle cover
Covers accidents while riding or riding pillion on a motorcycle
No waiting period
Cover starts with the policy — no medical check-up required
Fracture & burn benefit
Lump-sum payout for fractures, burns or internal organ injury
Expert Review
CheckDi Editorial
Health insurance analysis team · Compared 200+ plans from 30+ insurers
After comparing 200+ health plans in the market, Generali PA Koom Sure 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
Generali PA Koom Sure 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 Generali PA Koom Sure to find the best fit
| Coverage | 1 | 2 | 3 |
|---|---|---|---|
| Main Coverage | |||
| Death/Dismemberment/TPD | 300,000 (excludes riding or travelling on a motorcycle) | 500,000 (excludes riding or travelling on a motorcycle) | 1,000,000 (excludes riding or travelling on a motorcycle) |
| Motorcycle | 150,000 | 250,000 | 500,000 |
| Murder/Assault | 150,000 | 250,000 | 500,000 |
| Medical per Incident | 10,000 (includes riding or travelling on a motorcycle) | 20,000 (includes riding or travelling on a motorcycle) | 50,000 (includes riding or travelling on a motorcycle) |
| Daily Hospital Income | 800/day (ICU 1,600/day · max 15 days in total per accident) | 1,000/day (ICU 2,000/day · max 15 days in total per accident) | 1,500/day (ICU 3,000/day · max 15 days in total per accident) |
| Additional Coverage | |||
| Public Accident | 300,000 | 500,000 | 1,000,000 |
| Funeral expense from accident or sickness | 10,000 (sickness: 180-day waiting period) | 20,000 (sickness: 180-day waiting period) | 20,000 (sickness: 180-day waiting period) |
| Tax Deduction Benefit | Tax-deductible (per Revenue Department notice No. 315) | Tax-deductible (per Revenue Department notice No. 315) | Tax-deductible (per Revenue Department notice No. 315) |
| Fracture / burn / internal injury | - | 40,000 | 50,000 |
| Starting Premium | ≈ 1,650* /yr | ≈ 2,480* /yr | ≈ 4,090* /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 | Generali PA Koom Sure | |
|---|---|---|
| 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)
Terms & Conditions
Claims Process
Usually cashless at the hospital with your card
Policy or medical card
Once approved, your policy arrives by email. Some plans also issue a medical card.
Show it at the hospital
Go for treatment and show the medical card or your policy together with your ID.
The hospital files the claim
The hospital sends the claim to the insurer directly — usually nothing to pay up front.
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
เจนเนอราลี่ PA Koom Sure 1
Premium 1,650 THB/year (age 30)
An accident — a fall or a road accident — that needs hospital treatment
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 เจนเนอราลี่
เจนเนอราลี่
เจนเนอราลี่ 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.
