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Personal Accident Insurance

Protect yourself with the best personal accident (PA) insurance in Thailand

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Why choose The Thaiger?

Let your mind be at peace by knowing that you are covered for any personal accident. The Thaiger will help you find the best Personal Accident deal that is most suitable for your needs. You don’t need to worry about any time-consuming process because we will simplify everything for you.

What is Personal Accident Insurance?

Personal accidents (PA) insurance covers you for any unfortunate circumstance that happens unexpectedly or unintentionally, resulting in damage, injury and, in severe cases, even death. You can’t predict or prevent accidents from happening. The best course of action that you can do is prepare yourself for the financial consequences.

Personal Accident Insurance will provide financial support for you or your loved ones in case an accident occurs. It helps you deal with the situation comfortably. It will also give you a one-time, lump-sum payout for designated injuries, such as concussions or broken bones due to accidents, which you can use at your discretion.

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Personal Accident Insurance: Why should you get one?

Are you wondering why you should get accident insurance? Here are some reasons why Personal Accident Insurance is essential for you.

Your Safety

Accidents can happen unexpectedly, at any time, no matter where you are. Stay safe with personal accident (pa).


Sometimes, accidents can cause you to become temporarily unable to work. In this case, personal accident insurance can provide salary compensation.

Health Status

Personal Accident Insurance coverage is not affected by your health situation.

Financial Burden

Save yourself and your loved ones from suffering the full financial burden that traumatic accidents can cause.

More than Injuries

Get coverage for any traumatic accident, death and any type of disabilities.

What are the benefits of Personal Accident Insurance?

Disasters and misfortunes can happen at any time, without any warning. Protecting yourself or your loved ones from an accident is only one of the benefits of Personal Accident Insurance. The following are some of the main benefits that the insurance offers.

Covers you for personal disability

Temporary or permanent disability may happen after an accident. With personal accident insurance, you will be able to claim compensation for various kinds of disability. The insurance will cover all different types of disabilities with different rates of compensation.

Sorts your hospital and other expenses

Personal Accident Insurance takes care of your hospital bills and medical treatment due to an accident. It may also include other expenses, such as ambulance charges, repatriation charges, and funeral expenses.

Benefits for home and vehicle modification

Some accidents, especially severe ones, can force you to start using a wheelchair, whether it is temporarily or permanently. You will need a vehicle to transport you and your wheelchair. This means that you need to make suitable modifications to the vehicle so you can travel comfortably. You may also need to make modifications in your house, such as setting up ramps. Your insurance claim should be able to cover you for these modifications.

Covers for Death

We don’t like to think about our death, but we can’t deny that accidents can sometimes result in death. Should this unfortunate situation occur, Personal Accident Insurance will compensate your family. For instance, if you have young children, the insurance will take care of their education.

Customer Ratings


25 reviews

Customer Review


Easy to use, easy to understand, all the information about the product are there. Thanks for making me understand personal accidents in Thailand a bit more than what I already know.

Jackie Lee


I have been living in Thailand for over 5 years now, and never thought about getting any insurance policies. However reading the article in thethaiger, I am more willing to try to apply for insurance.

Bethany Cook


To be honest, I never knew the difference between personal accident insurance and health insurance in Thailand, but now I have a better grasp of what the personal accident is after reading this article. 5 Stars.

Paulie Wheeler


There’s also the option to get international personal accident insurance and international health insurance as well, I guess I’ll just inquire for both just to see if I can get additional information for the brokers.

Kelly Rose


Good product form The Thaiger, I spend a lot of time playing football here in Thailand and I just know this plan will benefit me in the future.

Santiago Cruze


Never knew getting insurance in Thailand could be this easy all I did was inquire and waited. And after a few days, I got a call back to go over the specifics.

John Franklin

What Coverages Does Personal Accident Insurance Offer?

Personal Accident Insurance helps you pay for the out-of-pocket medical expenses you can expect after an accidental injury. It will cover emergency care, medical examinations, hospital stays, as well as other costs that you may face following an accident, such as transportation and other accommodation needs.

The following are some of the primary coverages that Personal Accident Insurance offer.

Personal Accident can cover you for sudden death. In this case, the insurer will give the benefit to your spouse or dependent children. The insurance can also provide you for accidental mutilation – that is, loss of a limb or certain faculties due to an accident. In this case, the coverage is offered to you, not your dependents.

Key Points:

  • In case of accidental, sudden death, a beneficiary may accumulate the money.
  • Should you suffer from serious injuries, you can get coverage.
  • Supplement to life and disability insurance.

Lifelong total impairment will provide compensation due to an accident that entirely prohibits you from attending any business or work, training, or education. However, compensations will only last for a certain period of time.

Key Points:

  • Coverage is calculated up to 10 times your annual income.
  • Supplement to life and disability insurance

Partial total impairment, also known as dismemberment, provides compensation due to an accident that prevents you from contributing to your company temporarily.

Key Points:

  • The beneficiary will be payed weekly up to a maximum of 52 weeks.
  • Coverage applies only 14 days after the date of loss.

Accident is like a thief in the night, it comes at the moment you less expect it.

We can never stay away from accidents, no matter how careful we are; its inevitable and you don’t have a control for it. It just occurs suddenly and out of the blue, so better have the right Personal Accident Insurance at hand and worry less about your medical bill and finances that will come along with it.

Top tip: Accident Insurance offers necessary protection against accidental injuries. Through it, medical bills arising from injuries, hospitalization benefits that help compensate for alternative therapies that can be reimbursed.

Why the Thaiger?

Personal Accident Insurance, simplified only for you. Here at the Thaiger, we understand how complicated and time-consuming it can get to decide and purchase personal accident insurance. Therefore, we strive to make it easier for you.

Sit back and relax. Let us do the hardwork for you. All you have to do is request a quote, tell us a little bit of yourself and what you’re looking for, and we’ll do the rest of the job!

Join the many satisfied customers who’ve got their Personal Accident Insurance with The Thaiger.

More Related Insurance For Extra Protection

There is nothing such as too much protection. Fully protect yourself and your loved ones from any accident or illness, and its consequences with the following insurance.

Health Insurance

Health insurance is a policy coverage that includes pre and post hospitalisation charges, ambulance services, laboratory tests, prescription drugs, organ donor charges, and hospital room among others. Health insurance policies will lists all the responsibilities that the insurance company will cover for you.

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Critical Illness Insurance

Critical Illness Insurance will assist you in handling a situation without draining your savings. When you are diagnosed with a protected illness such as cancer, stroke, heart attack or another disease, the package will pay a lump-sum payment directly to you to use whatever you want.

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Dental Insurance

Dental insurance is intended to help you pay for your dental treatment cost and help you preserve good oral health overall. That is why we concentrate on preventive treatment to identify early signs and symptoms of dental illness.

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Life Insurance

A life insurance policy ensures that when you die, the insurer pays an amount of money to your designated beneficiaries in return for premiums that you pay over your lifetime.

Read More

Other Types of Personal Accident Insurance to Suit Your Needs

Besides the standard personal accident insurance, these other specific types might suit your needs better.

International Personal Accident Insurance

Just like other personal accident insurance, international personal accident insurance will protect you against accidents. However, international personal accident insurance will cover you wherever you are in the world. It also provides financial support if you have severe accidents and/or injuries during your travel to a foreign land.

Insurance for Disabled People

Disability insurance is a form of insurance product that offers income if, due to a significant disability, you are hindered from working and receiving an income. The program offers wage substitution incentives that cover up to 60% of employee wages, on average. Such payments usually go up to a ceiling or a monthly maximum payout.

Group Personal Accident Insurance

Medical costs and hospitalisation resulting from an accident involving your employees can be covered by group personal accident insurance, as well as medical transportation to a more appropriate facility if adequate medical help is not immediately available.

Car Insurance

With Personal Accident Insurance, you protect yourself from any accidents that may happen in the future, but what about your car? Just like you, your car also needs protection. Your car is an asset that requires maintenance and care. This is why, for many people, car insurance is essential to ensure that their car stays in mint condition.

Car insurance can cover you against financial losses if your car is stolen, catches on fire, vandalised, or even when you are involved in an accident. It protects you against any damage you cause to other road users, as well as the public and their property. If someone borrows your car, car insurance can still protect it.

Frequently Asked Questions About Personal Accident Insurance

The coverages are as follows: coverage for injuries, death and dismemberment benefit, murder or assault benefit, and riding as a passenger on a vehicle benefit. This will also depend a lot on what personal injury plan and claims you choose.

The one to use or claim the money will be your beneficiary, it may be your husband, wife, son, daughter, mother, father or any member of the family that you’ve written as your beneficiary. The insurer will have to assert the amount, and then your beneficiary will be given the amount specified in your contract.

The causes of injury or death listed below are not protected by community personal accident insurance: Natural death, any pre-existing illness that results from death, any disability or accident. And consequential damage and civil responsibility.

When it comes to personal accident policies, most insurance providers have an age limit. In general, the minimum age is 18 years old and the maximum age is 65 years old, but the policy renewals can continue up to 80 years old. However, this depends on the specific insurer you choose.

Accidental injury means an injury that occurs from any external, violent and expected causes unintentionally or from any outside. For instance, it is possible to identify an unintended body injury arising from some external force and against the usual course of events as an accidental injury.

Accidental death and dismemberment insurance includes loss of voice, eyesight or hearing, loss of limbs or fingers, coma or paralysis resulting from an accident, and death resulting from an accident. The injury or death must be the result of an accident covered by the insurance policy of AD&D.

Accidental death is described by insurance companies as an incident that strictly occurs as a result of an accident. Deaths are considered to be accidental from car collisions, falls, coughing, drowning, machinery, and all other circumstances that cannot be managed.

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