Why choose the Thaiger?
Selecting The Thaiger for your insurance needs ensures you access the best options and services in Thailand. Our partnership with Cigna guarantees top-tier insurance plans tailored to your circumstances.
What is Insurance for Disabled People?
If an illness or injury occurs to you, you may need more than just ordinary health insurance. In many cases, illness or injury can cause disability, stopping you from working and living your day to day life. This is where insurance for disabled people can be beneficial for you.
Insurance for disabled people, also known as disability insurance, is a form of insurance product that offers income compensation if any major disability occurs and you are hindered from working.
The Thaiger’s platform connects you directly with Cigna’s insurance offerings, ensuring you receive tailored options. Accurate quotes help you plan your finances with confidence, knowing you have chosen the optimal insurance for disabled individuals.
Choosing The Thaiger and Cigna means choosing thorough, affordable, and accessible insurance solutions suited to your needs in Thailand.
Advantages of Disability Insurance
There are numerous advantages that disability insurance can give you. Below are main advantages that disability insurance will offer.
Unemployment
Income replacement guarantees continuous support if you’re unable to work. Cigna’s disability insurance covers a significant portion of lost income, reducing financial stress.
Availability
Cigna’s plans include thorough coverage options for various disabilities. This ensures that both short-term and long-term needs receive adequate attention.
Factors for Benefits
Plans from Cigna can be customised to match specific requirements. You can adjust the coverage based on your budget and medical needs, optimising for maximum benefit.
Medical Aid
Provides people with disabilities with free or low-cost medical treatment.
Medical Care
People who have disability insurance will be eligible for routine health check-ups and health benefits.
What Does Insurance for Disabled People Cover?
Insurance for disabled people includes various coverage options to meet different needs. Policies by Cigna, available through The Thaiger, offer thorough and customisable plans specifically for disabled individuals in Thailand. Insurance for disabled people encompasses a range of coverage options designed to address the unique and diverse requirements of individuals with disabilities. These policies aim to provide financial security and peace of mind, helping to mitigate the additional challenges that disabled individuals may face.
Customer Ratings
4.6/5
33 reviews
Customer Reviews
27/12/2020
If you do not have this product in Thailand, it is a must! as there are special coverages for disabled people. You will also be able to save a lot of money and time in the long run.
Philipe G.
6/2/2021
The Thaiger service was prompt, thorough and everything was explained. They provide good service that offers convenience.
Joyce Ramirez
29/12/2020
I was very happy with my experience. Ms. Ploy was very knowledgeable and helped guided me rapidly through the options and helped find the best plan for me. It is never easy to find products like this in Thailand, Thank you the Thaiger for making this possible.
Kathryn
10/2/2021
Good services, simple, fast and comes with the completed list of details.
Lewis Litt
4/1/2021
Good information about the product, this really makes thaiger unique as I have never known foreigners can get this product. 5 Stars for reaching out to the people in need.
Wendy Brown
16/1/2021
I received excellent service from Khun Jan, The Thaiger was effective and helpful and found me the insurance that met my handicapped needs.
Oscar L.
Types of Insurance for Disabled People
You’ll come across two forms of insurance for disabled people or disability insurance: short-term and long-term. In terms of how they substitute a portion of the monthly wage, they are exactly the same. However, there are some variations between short-term and long-term disability insurance that you should be aware of. Here’s how they compare:
A long-term disability policy protects you if you have an extended disability. It covers severe illnesses and injuries preventing work for months, years, or permanently. Benefits end when you recover, within a maximum of 10 years, or can extend into retirement if needed. Long-term insurance from Cigna offers thorough coverage and high customer satisfaction, with a rating of 4.6 out of 5 based on 33 reviews.
Key Points:
- Covers around 60–80% of your salary.
- Last two years or longer, depending on your disability.
- Waiting periods typically include 30, 60, 90, 180, or 365 days.
Short-term disability insurance may only cover you up to two years of your disability, it helps if you are temporarily disabled for a short period of time.
Most short-term disability insurance lasts for a few months to a year. You will get the payout quicker than long-term coverage since the elimination time is usually only two weeks. If you become sick or disabled and are unable to function for a period of time, this type of disability insurance will help you get back on your feet.
Key Points:
- Covers around 40–70% of your salary.
- Usually, it lasts 3-6 months, depending on the policy. However, some policies may last up to two years.
- Benefits usually start 14 days from when disability occurs, but some insurers offer a 1 to 30 days waiting period.
The Thaiger’s Partners
Insurance for Disabled People can help with your day-to-day life.
Insurance for disabled people can significantly improve day-to-day life. Financial security is essential for covering unexpected expenses and ensuring peace of mind. Cigna offers customisable insurance plans tailored to meet the unique needs of disabled individuals in Thailand. These plans not only provide income replacement but also cover medical expenses and rehabilitation.
Daily living expenses are often higher for disabled individuals due to specialised equipment and caregiving needs. Cigna’s insurance plans can ease these financial pressures. Short-term disability insurance helps cover temporary disabilities, while long-term disability insurance supports those with extended disabilities.
Cigna’s collaboration with The Thaiger ensures that insurance plans are easily accessible and tailored to your needs. With high customer satisfaction ratings, Cigna stands out as a reliable partner in providing thorough coverage. The partnership reflects Cigna’s commitment to supporting disabled individuals through expert navigation and accessible support.
Top tip: Get yourself disability insurance as early as possible so you are covered and won’t have to worry about a thing.
Who Needs Disability insurance?
Disability insurance safeguards financial stability, specifically for those reliant on their income. If an injury or illness prevents work, this insurance provides essential support.
Employed individuals
If you’re employed, losing your income due to disability can be devastating. Disability insurance will help cover daily expenses, medical costs, and other financial obligations. Cigna’s plans, offered through The Thaiger, provide customised solutions to match your needs.
Self-employed professionals
Freelancers and business owners rely on their daily work for income. Since self-employed individuals don’t get employer-provided benefits, having disability insurance is crucial. Cigna’s offerings ensure you won’t experience financial distress if you’re unable to work.
Primary breadwinners
If you’re the main income earner in your household, disability could severely impact your family’s finances. Choosing a strong disability insurance plan can secure your family’s financial future. Cigna’s long-term and short-term coverage options can be tailored to your circumstances.
Those with dependents
Caring for dependents, such as children or elderly parents, adds financial responsibility. Disability insurance supports you in maintaining care standards for your family. Cigna’s policies provide peace of mind with thorough coverage.
Employees without employer insurance
Not all employers offer disability insurance. If this is your situation, seeking personal coverage is essential. Cigna’s customisable plans ensure you’re covered even without employer support.
Join the many satisfied customers who’ve got their Insurance for Disabled People with the Thaiger
Other Related Products
There’s a wide range of insurance you can choose from to protect yourself and your loved ones. We listed down below products that might interest you.
Personal Accident Insurance for Family
Accident insurance ensures to pay for treatment and other out-of-pocket expenses that might arise to you and to any member of your family following an accidental injury. This requires emergency care, hospital stays medical examinations, as well as other costs that you can face, such as transportation and accommodation requirements.
International Personal Accident Insurance
International health insurance is meant to provide people relocating from their home country with a comprehensive standard of health coverage for a prolonged period of time. For expats and their families, students attending a school abroad, citizens with dual residences, multinational employers, and more having international health insurance is a perfect choice.
Group Personal Accident Insurance
Personal accident insurance can assist your workers not only with injury-related costs but also with caring for their loved ones, including coverage in the event of an accident while travelling.
Whole Life Insurance
A form of permanent life insurance is whole life insurance (also called cash value life insurance). The policy is for the rest of your life and has a cash value portion that rises at an interest rate set by your insurer.
Other forms of Health Care Insurance
In case you unexpectedly get injured or sick, health insurance is important to help cover huge medical bills. Check out the other health care products you will need in the future below.
Family Health Insurance
Family Health Insurance assures you and your family members to get the medical services and care you deserve. It will help you be at peace and worry-free as your loved ones are also covered in the insurance.
International Health Insurance
International health insurance is meant to provide people relocating from their home country with comprehensive health coverage for a prolonged period of time.
Health Insurance for Retiree
After all the years of working hard, you definitely deserve the best out of what you worked for, especially during your retirement. You don’t need to worry about your medical bills and maintenance medicines or worry about your health even if you’re living alone. Your health insurance got your back.
Dental Health Insurance
A smile can change the world, they say, but dental costs can be expensive. People without health insurance will find out easily how high dental treatment is. Whether it is teeth cleaning, an x-ray, a root canal, a crown, or even just fluoride care, there’s a charge for anything. That’s why dental health insurance is important.
Personal Accident Insurance
Get covered with PA insurance to ensures coverage during emergency cases like uncertain accidents, impairments, life-changing conditions or even death.
International Personal Accident
Planning to live or travel abroad? Then you need international personal accident insurance. International personal accident insurance provides global coverage in the unfortunate event of injury, disability, or even death by accidental circumstances.
If you are a person who travels overseas regularly, or you’re planning to live abroad, international personal accident insurance will give you a comprehensive cover against any unwanted accidents. You may have health and travel insurance in place, but keep in mind that these plans may not provide comprehensive coverage for accidents. Also, most health insurance will not protect you when you’re abroad, while most travel insurance only covers you for brief visits.
Accidents can happen anywhere when you least expect them. That’s why personal accident insurance that covers you when you are abroad is essential.
Frequently Asked Questions About Disability Insurance
Disability insurance is available to anyone who works but there are age limitations.
Total Temporary Disability (TTD) is valid until the age of 64. Benefit periods shorten after age 60, with a median benefit period of 12 months at age 63.
Individuals under the age of 62 are eligible for Permanent Total Disability (PTD). The program protects those who are injured as a result of an accident or illness.
The length of the benefit duration is determined by the disability insurance program that you choose. The insurance span for TTD policies can be up to 120 months long and PTD benefits are claimed in one lump sum.
Yes, absolutely. The Waiting Period is the interval between which an insured accepts a qualifying disability injury payment or benefits and when they collect the payment or benefits. The length of an Elimination Period is defined in the insurance policy.
Disability insurance is meant to cover a part of the income you lose as a result of your failure to work. If you have disability insurance, you can buy food, pay bills, and cover living costs while you are unable to work.
Disability insurance protects you from accidents and illnesses that prohibit you from performing your job duties.
People who are unable to work due to an accident or illness will need disability insurance to supplement their income. Staff and their dependents will have a difficult time without disability insurance, risking losing their homes and savings.
Long-term disability insurance is the only plan worth obtaining and obviously the better choice. To cover long-term loss of income that your 3-6 month emergency fund won’t cover, we suggest getting coverage for at least 5 years or more.
Most of the time, taxes are not deducted from disability insurance. SSDI and SSI (Social Security Disability Insurance and Supplementary Security Income) are also included (SSI). In most cases, you would not be expected to pay any federal income taxes on these benefits.
Inquire Now to Receive your Insurance for Disabled People Quotes