Personal-accident policies pay only for events and outcomes defined in the issued contract and schedule. They are not interchangeable with health, life, motor, employer or travel cover.
Check the exact policy
- Identify who is insured, the covered period and territory.
- Read the definitions of accident, injury, disability and covered loss.
- Check each benefit in the issued schedule rather than relying on generic percentages or market examples.
- Check exclusions and conditions for occupation, driving, motorcycles, alcohol, sports, travel and other activities.
- Confirm medical-expense, death, disability and income-related benefits separately where offered.
- Check beneficiary details, evidence requirements, notice instructions and time limits in the issued wording.
Do not assume a police report, medical report or particular notice deadline always applies. Follow the insurer’s instructions for the actual incident and obtain requirements in writing.
If an incident occurs
Seek appropriate emergency help first. Preserve available incident and medical records, notify the insurer through its official channel as soon as reasonably possible, and ask which documents and authorisations the exact policy requires. A claim remains subject to the contract and the insurer’s assessment.
Provider and complaint checks
Verify an insurer or intermediary through the OIC broker and licence service. Licence status does not certify suitability or a claim outcome. The OIC publishes a consumer complaint route and hotline 1186.
Information and referral boundary
Thailand Expat Services provides general information and, if requested, may coordinate an introduction to an independently licensed provider or broker. We do not recommend, issue, bind, certify or guarantee insurance or claims. Any fee, commission, affiliate payment or other commercial relationship will be disclosed before you submit contact details for an introduction or we transfer them. See the Insurance hub or contact options.
Editorial status
Last fact-checked: 2025-09-10. Next scheduled review: 2025-12-10 (overdue).
Review overdue — verify the current issued policy and provider instructions before relying on this guide.
Professional review: Not performed; no qualified Thai insurance, immigration or legal approval. This is general information and independent referral coordination only.