Safeguard you and your family from unexpected accidents that can happen anywhere and anytime with a personal accident insurance plan from AIA.
- Personal Accident Insurance (also called PA Insurance) is an accident cover policy from AIA Group in Thailand.
- Get insurance cover for medical expenses per accident without having to pay first.
- Accident cover also includes disability, assault, death, and other benefits.
- This policy is paid in full and is valid for 1 year from the date of purchase. Renewable.
Who is Personal Accident Insurance for?
- This personal accident insurance cover is recommended for Thai and expats living in Thailand who have a long-term visa (e.g. expats with work permit, spousal visa, retirement visa). This policy is not for tourists, and AIA does not sell travel insurance.
- AIA accident insurance personalizes the plans depending on whether you regularly ride a motorcycle or not. Read more below for my recommendations.
- All AIA products are purchased in person through an AIA agent. Your dedicated agent will assist with hospitals, claims, and documentation -which expats in particular can really benefit from.
AIA Requirements
- Age between 15 days old and 74 years old. Some plans have a maximum age of 60.
- For expats, work permit, spousal visa, retirement visa.
- Proof of a 1-year visa in Thailand.
- Proof of income in Thailand (can be retirement income or spouse)
- Application department may request additional documents.
Personal Accident Insurance from AIA: How to choose the right plan
With so many different benefit options it can be tricky to choose the best personal accident insurance plan that is right for you.
To help clear any confusion, I’ve made 3 steps that you can follow:
- Step 1: Identify the Class your occupation falls under
- Step 2: Choose an Insurance plan
- Step 3: Discuss plan with an AIA agent and put in an application
You can look through all of the options below, or you can see my personal recommendations for the best budget plan, the best high payout plan, and the best plan for people who ride motorcycle regularly.
Step 1: Identify the Class your occupation falls under
Your occupation will influence your annual premium in the pricing tables. In the policy brochure you’ll see the different premium price whether you fall under occupation class 1 or 2.
There is also a separate class 3 in the brochure that work with motorcycles, heavy truck with 6 wheels to 10 wheels, electricians, mechanics, laborers, construction workers.
Step 2: Choose an Insurance plan
I’ve highlighted the available plans below for you to see the general medical expense benefits of each.
Please download and look through the AIA PA brochure for more detailed benefits, terms and conditions, and your specific premium according to your age and situation.
If a plan is not clear or you are not sure about a specific plan, feel free to send me a message and I’ll try to clarify.
AIA PA: Plans available if you don’t regularly ride a motorcycle.
AIA PA: Value payout plans, lower annual premium
Have a look at page 5 in the brochure for the following plans.
- AIANPA3300
- AIANPA4600
- AIANPA3900 (includes cremation benefit)
Please study the details and the terms and conditions as specified in the policy contract. Terms and conditions of coverage will be specified in the policy issued to the policyholder.
-High payout plans, higher annual premium
Have a look at page 4 in the brochure for the following plans.
- AIANPA5500
- AIANPA32K (includes daily income compensation 5000 THB / day)
- AIANPA7900* (not for juveniles, students, housewife, Househusband, retirees)
Please study the details and the terms and conditions as specified in the policy contract. Terms and conditions of coverage will be specified in the policy issued to the policyholder.
AIA PA: Plans available if you regularly ride a motorcycle.
Have a look at page 6 in the brochure for the following plans.
- AIANPA2500 (includes cremation benefit)
- AIANPA3000
- AIANPA3800 (includes daily income compensation 500 THB / day)
Please study the details and the terms and conditions as specified in the policy contract. Terms and conditions of coverage will be specified in the policy issued to the policyholder.
Step 3: Discuss plan with an AIA agent and put in an application
As an agent, we want to make sure that the plan you choose is perfect for your situation and that all your questions have been answered. When you are ready you can submit your application with your agent.
- Meet with an AIA agent.
- Bring all of your supporting documentation.
- Application is completed and signed on a tablet, with photos of your documentation taken.
- Application is sent to the approval department.
- The AIA agent will notify you whether the application has been approved.
Still not sure which plan to choose? Check out my recommendations.
The best plan is always the plan that offers the benefits you need at a premium you can afford. However, if you are still stuck then I have a few recommendations below which you can consider. Please find these plans in the brochure with their terms and conditions.
Best budget plan
If you don’t regularly ride a motorcycle then the AIANPA3300 is a great choice. Starting at 3,300 THB a year you get 40,000 THB medical expense benefit per accident which is great value for money. If you feel that this benefit is enough for your needs, then this plan is perfect for you.
The best high payout plan
If you have a little bit more to spend, the AIANPA5500 offers double benefit payouts. This includes a 100,000 THB medical expense payout per accident. Customers who prefer to be fully covered for any situation, and who want to access more expensive private hospitals can get far with the AIANPA5500 plan.
Best plan for people who ride motorcycles regularly
If you regularly ride a motorcycle, then take a look at the AIANPA3800. It is the higher option in this category with a medical expense payout of 50,000 THB per accident. You even get some daily income compensation during hospitalization. I feel that the lower plans in this category don’t have a very high payout for people who ride often, making the AIANPA3800 more ideal.
Accidents that can be claimed
Personal accident insurance in Thailand can cover you for many different types of accidents. Have a look at the image below to see which accidents can be claimed by AIA personal accident insurance.
Frequently Asked Questions
Here are some of the common questions people ask about the AIA Health Happy policy. If you have any other questions, feel free to send me a message.
What is personal accident insurance?
- Personal accident insurance is a policy that you can buy that provides a medical expense benefit if you are in an accident. The personal accident cover from AIA also covers disability, assault, murder, accidental death, and some others, depending on the policy plan.
If I get into an accident do I need to show the hospital my AIA PA policy?
- The insured can use their ID card or passport at the hospital.
Which expenses are covered if I get into an accident?
- This personal accident (PA) policy has a medical expense benefit that you can use for all your expenses, such as doctor fees, room fees, medicine, etc. Certain policy plans have additional benefits that give extra, such as the broken bones benefit or daily income compensation if hospitalized.
Are the benefit payouts in a PA insurance lump-sum or per accident?
- Most benefits are per accident, but some benefits such as disability and death are a one time lump-sum payout. Your AIA agent will explain the payout method according to the plan you choose.
In the AIA PA brochure, what is the Public Holiday Benefit?
- This benefit is related to the accidental death benefit. If death occurs the AIA PA policy will payout the amount listed in their policy, however, if the death occurs on a public holiday (only specific holiday days in Thailand apply), then the beneficiary will receive an additional pay out as listed in the Public Holiday benefit section.
Who is the underwriter of this policy? Are they reliable?
- AIA Group Thailand is the underwriter. AIA is the largest life insurance group in Asia and the largest listed company on the Hong Kong stock exchange.
Are there any additional special privileges for certain policies?
- Benefits from the AIA MediVac’s Service can assist with 24/7 emergency healthcare. (Domestic only and for the insured with a premium of 4,900 baht or more. The age of the insured must not be over 65 years old for this benefit)
- Benefits from the AIA MediVac-i’s Service can assist you with 24/7 emergency healthcare. (This includes Thailand and overseas for the insured with premium of more than 8,000 baht. The age of the insured is not be over 65 years old for this benefit). Special Privileges (Terms and Conditions are based on the Company’s Policy)
What are the general exclusions for the AIA personal accident insurance (all plans)?
Are extreme sports included in accident insurance?
- Extreme sports are not included.
How do I buy personal accident insurance with AIA?
- You need to purchase it through an AIA agent. There are AIA offices all around Thailand. If you are in Chiang Mai I can assist you with your application.
What is the maximum age to buy personal accident insurance?
- For some plans the maximum issuing age is 60 years old, and for other plans it’s 74 years old.
Can I use this insurance as a personal income tax deduction?
- The portion of insurance premiums that meet certain conditions is eligible for personal income tax deduction in accordance with the criteria stipulated by the Revenue Department.
Can I pay monthly for this AIA PA policy?
- Unfortunately not. The premium is a once-off payment and is valid for one year.
How do I pay for this insurance policy?
When you submit the application with your AIA agent you can pay by:
- scanning a QR code
- bank app
- credit card
- bank deposit
How long does it take for the application to be approved?
- It depends on the day on which the application is made, but it usually takes only 1 or 2 days.
If I am in an accident how do I make a claim?
- You can either submit a claim via the AIA iService app or speak to your AIA agent to assist with the claim.
If I am in an accident, do I pay first and claim the money back?
Most hospital you go to in Thailand you won’t have to pay first. However, there are some small hospitals and local clinics where you may have to advance pay first and claim back later. This is a list of hospitals where you don’t need to advance first.
Will my PA cover me as an outpatient (OPD) and as an inpatient (IPD)?
- Yes, as long as the medical expense is under the medical expense amount listed in your policy. Otherwise, you just pay the excess.
Will this policy cover any sickness or health problems (not caused by an accident)?
No, this policy only covers accidents and other benefits listed in the brochure.
Please check the AIA Personal Accident Insurance brochure or speak with an agent for more details. All information is subject to change and only the Thai version of the contract is legally binding.
