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
- ✓ 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
- ✓ 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
- ✓ 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
⚠️ Red Flags
Who Should Especially Buy
🏍️ Motorbike riders🔧 High-risk jobs👨👩👧 Breadwinner⛰️ Athletes💼 Freelancers🚗 Frequent travelers👴 ElderlyCommon 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
| Age | Premium (THB / year) |
|---|---|
| 18–25 | 499–1,000 |
| 26–35 | 1,000–1,800 |
| 36–45 | 1,800–2,800 |
| 46–55 | 2,800–4,500 |
| 56–65 | 4,500–7,500 |
| 66+ | 7,500+ |
Real Accident Treatment Costs in Thailand
Look at real private-hospital costs before saying ฿1,200 / year is expensive
| Scenario | Cost (THB) |
|---|---|
| Fracture + metal plate surgery verify | 80,000–250,000 |
| Brain surgery (head injury) verify | 300,000–800,000 |
| ICU 1 week verify | 200,000–500,000 |
| 3 months physiotherapy verify | 30,000–80,000 |
| Burns + skin graft verify | 150,000–500,000 |
🛡️ 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. Buy through a broker — same price, see all insurers at once
- 2. Pay annually — save 2-5%
- 3. Declare the correct occupation class
- 4. Buy young — age 25 is cheaper than 45
- 5. Drop unused riders
- 6. Bundle with car / life — save 10-15%
- 7. Compare annually — CheckDi compares for free
How to Apply and Claim
📋 Application Steps
- Compare plans — enter age, gender, occupation
- Pick a plan and riders
- Fill in insured-person details
- Pay — card / transfer / QR / 0% installment
- Receive policy by email instantly
✅ Claim Steps
- Notify within 30 days
- Collect docs — medical certificate, receipts, police report
- Submit claim form
- Insurer reviews 5-15 days
- 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 →
