Individual and Coporate Solutions
Unique Solutions for every case
© E & I Insurance Brokers
Facsimile: + 66 76 612 725
Phuket Office:
E-mail: inquiryphuket@insurance-in-thailand.com
Telephone: + 66 76 612 722, + 66 76 304 475
Pattaya Office:
Telephone: + 66 38 422 825
Facsimile: + 66 38 374 196
E-mail: inquiry@insurance-in-thailand.com
Car
Accident
Home
Health
Yacht
Travel
Golfer’s
Company
Motorcycle
SME
Car Insurance in Thailand
Car Insurance, four main groups;
1. Compulsory insurance, CTPL; Minimal cover
required to legal on the road in Thailand.
Provides up to 50,000 Baht medical cover and
100,000 Baht death/disability compensation to
third parties involved in accidents. Does not
keep you out of Jail or pay for damages to other
vehicles. (Premiums range from approximately
600 to 1200 Bt.).
2. Third party only, pays for compensation and
medical expenses (Up to 1 million per person)
to others and damages to their vehicles. This
policy also includes a Bail Bond if the driver
accidentally kills another person or seriously
injures them. (Premiums range from 4,000 Bt. to
8,000 Bt. depending on the type of vehicle).
3. Second class; In addition to Third party cover;
this covers your vehicle if it damaged by fire or
stolen (Premiums depend on value of vehicle
insured).
4. Full Coverage, Fully comprehensive, First
class; Pays for everything, including the repair
costs for damages to your own vehicle
(Premiums depend on value of vehicle insured).
Car
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Travel Insurance
(Premiums dependant on the number of days
cover);
1. All travelers need this insurance. An
accident or illness occurring in a foreign
country can be disastrous. Other problems
that can ruin your holiday are minimized to
keep your trip plans intact. Up to 5 Million
Baht Medical cover.
2. Cover for both inbound and outbound
travelers.
3. Travel Insurance includes Temporary health
insurance during the trip.
4. Up to 1 million USD Emergency Evacuation
cover and return of mortal remains included.
5. Additional cover for loss of traveling
documents, money, luggage and delays.
6. Extra cover providing you more than the
minimum required by law. In Thailand, the
minimum required by law only covers
travelers in the event of an accident
Travel
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Health Insurance
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Health
(Annual Premium rates depend on your age,
premiums are adjusted annually with inflation and rise
as you get older.);
1. Health insurance guarantees that you receive
emergency medical treatment when you are unable to
communicate or unconscious. Insurance premiums
spread out your medical expenses over a longer
period in your life so Health-care in your later years,
becomes more affordable in cases if you are critically
ill.
2. International plans for worldwide “On-the-move”
expatriates.
3. International plans for residents of Thailand.
4. Policies can include a deductible to reduce
premiums. This means, you pay up to the first 100 to
1,000 USD, after which the insurance company pays
everything.
5. Inexpensive polices can include co-payment to
reduce premiums. You will be responsible for 20% of
the medical expenses beyond basic limits.
6. Annual policy limits range from 100,000 Baht up to 2
Million USD.
7. A choice of guaranteed renewals at published rates
for international health insurance or reduced premiums
without guarantees on premium increases.
8. As you become older, the choice of insurance
companies drops, but there are a few Health insurance
companies willing to accept new applicants over 65
years old.
(Annual Premium rates depend on your age,
premiums are adjusted annually with inflation and rise
as you get older.);
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House and Condominium
1.Both Homeowners and renters can purchase this
insurance.
2.Owners will find that a bank only requires them to
insure the amount outstanding on the mortgage.
Purchasing additional insurance to cover the rest of
your house and belongings is worthwhile if you
suffer a catastrophic loss.
3.Even if you rent a house, you are exposing yourself
to a risk of loss. If the house is damaged or
destroyed. You will have to compensate the owner
for his loss.
4.Fire, windstorm, earthquake, water damage, land
slide, bushfire…etc.
5.Most policies include some burglary cover and
additional cover is available.
6.Electrical injury to appliances.
7.Personal liability cover against third party claims in
your house.
8.Repairs to burglar’s point of entry.
9.Allowance for temporary accommodation while
your house is being repaired.
10.Fire insurance alone, costs 0.15% premium for
the insured value of the house.
11.Burglary insurance for additional high-value items,
costs 1.5% of the sum insured.
Home
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Accident
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Personal Accident Insurance
(Annual Premiums from 1,500Bt. to 14,000Bt.);
1.This insurance provides 24-hour cover against
personal loss as a result of an accident.
2.Compensation is paid for injury, death or disability
due to an accident.
3.A choice of either insurance companies that pay
directly to the hospital or saving money and using a
company that only refunds claims to you after you
pay first.
4.Many personal accident policies include cover for
medical expenses, up to 500,000 Baht for each
accident. This amount pays for all associated
medical expenses incurred as a result of the
corresponding accident.
5.The premium rate and cover limits are based on
your occupational risk level.
Yacht
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1)Policies cover against the following perils:,
a)Total loss and damages, accidental loss or
malicious damages, including theft within navigation
limits of the policy.
b)Damages due to grounding, contact with dock,
harbor equipment, land conveyance, aircraft or
objects falling on vessel.
c)Perils of the seas, rivers, lakes or other navigable
waters.
d)Theft of the vessel, her boats or outboard motors.
e)Fire, explosion, jettison and salvage charges.
f)Piracy.
g)Earthquake, volcanic eruption or lightning.
h)Collision, 25 / 75 co-insurance applies. Owner is
responsible for 25% of claims.
2)Types of vessels that can be insured:
a.Sailing Yachts.
b.Motor-sailing yachts.
c.Power boats.
d.Commercial passenger boats.
e.Speed boats.
3)Protects you against damages for bodily injury or
property damage.
4)Covers all direct physical loss or damage to the
personal effects from any accidental cause.
5)What types of policies are available?
a)Comprehensive cover.
b)Cover against total loss only.
c)Compulsory passenger cover.
Yacht Insurance
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Motorcycle Insurance
Motorcycle insurance, three main groups;
1.Compulsory insurance, CTPL; Minimal cover
required to legal on the road in Thailand. Provides up
to 50,000 Baht medical cover and 200,000 Bt.
death/disability compensation to third parties involved
in accidents. Does not keep you out of Jail or pay for
damages to other vehicles. (Premiums range from
approximately 300 to 650 Bt.)
2.Third party only, pays for compensation and
medical expenses (Up to 100,000 Bt. per person) to
others and damages to property/vehicles. This policy
includes a Bail Bond if the driver accidentally kills
another person or seriously injures them. (Premiums
range between 2,500 Bt. to 3,500 Bt.).
3.Full coverage, Fully comprehensive, First class;
Pays for everything, including the repair costs for
damages to your own vehicle. (Premiums depend on
the value of the motorcycle insured).
Golfer’s
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Golfer’s Insurance
1.
Third party liability insurance.
2.
Loss of clubs.
3.
Hole in one expenses.
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Company
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Company, group polices
(Premiums from 600 Bt. to 4,300 Bt. per person);
1.Greatly reduced rates for both large and small
companies.
2.24 hour cover against accidents for your
employees.
3.Increased benefits for your staff, much more than
Social Security offers.
4.Reduce your company's exposure to losses from
large accident claims.
5.Up to 1 million Baht cover for loss of life of an
employee.
6.Up to 100,000 Baht cover for medical expenses.
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Company health Insurance
(Premiums from 2,200 Bt per person);
1. Health benefits at greatly reduced rates.
2. Increased benefits for your staff, much more than
Social Security offers.
3. Higher benefits to your employees at a minimal
expense.
SME
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SME Insurance
1.This insurance is designed to protect Small and
Medium sized businesses.
2.Protect your company against perils that can cause
bankruptcy or serious problems requiring many
months of recovery.
3.Compensation for Interruption of business.
4.Plate glass insurance.
5.Loss of money.
6.Workmen's compensation and Employer's liability.
7.Third party liability cover.
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© E & I Insurance Brokers
Facsimile: + 66 76 612 725
Phuket Office:
E-mail: inquiryphuket@insurance-in-thailand.com
Telephone: + 66 76 612 722, + 66 76 304 475
Pattaya Office:
Telephone: + 66 38 422 825
Facsimile: + 66 38 374 196
E-mail: inquiry@insurance-in-thailand.com
