Insurance for Disabled People

Maintain your quality of living, even if your impairment prevents you from doing so.

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Why choose the Thaiger?

“Being disabled does not exclude you from participating in all aspects of life.” It may be difficult to find insurance for disabled people, but we are here to help. At Thaiger, we want to make it as simple as possible for you to get the right insurance for you.

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. On average, The program offers wage substitution incentives that cover up to 60% of the employee wages.

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Advantages of Disability Insurance

There are numerous advantages that disability insurance can give you. Below are main advantages that disability insurance will offer.


Disability can cause you to lose your ability to earn a paycheck. Insurance for disabled people can replace a percentage of your income should you become unemployed.


Both public and private disability insurance programs are available to everyone who needs it.

Factors for Benefits

There are factors to qualify in the plan such as the amount of income to be replaced, length of time benefits are paid, medical history and waiting period.

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?

People tend to incorrectly assume what qualifies as a disability. The term ‘disability’ doesn’t only applies to catastrophic situations like paralysis due to a car accident, but also less severe injuries and common conditions such as back pain, pregnancy, and depression. Virtually any type of illness and accidental injury, as well as some non-illness or injury, are covered by Insurance for Disabled People. Here’s a list of the insurance coverages to give you a better understanding of what it is and how it can help you.

Total Disability Coverage

This coverage means that you lose your ability to earn income because you’ve become injured or ill. It pays for your benefits each month until you recover or your coverage expires, so it should help you pay your bills and maintain your standard of living. There are basically two types of policy for total disability coverage: own-occupation and any-occupation. Own-occupation means you are too disabled that you can’t work for the job you had at the time of your disability. On the other hand, any-occupation means you are too disabled to do any job.

Presumptive Disability Coverage

Presumptive disability coverage is when you suffer from a debilitating injury or illness, such as permanent loss of speech, hearing in both ears, sight in both eyes, speech, and use of hands and/or feet. In this case, your insurer may presume that you will never be able to return to work.

Partial Disability Coverage

This coverage means that you can still go to work, but your disability has caused a partial loss of income, duties, and time. This coverage may pay you your full monthly disability benefit for a partial period or only the percentage of loss you suffered to your income.

Pregnancy Coverage

Complications resulting from pregnancy and childbirth can be covered by Insurance for Disabled People. This coverage may also mean conditions that don’t show up until weeks or months after giving birth. However, if you have a normal pregnancy, even if you miss work, you may not be able to receive coverage.

Customer Ratings


33 reviews

Customer Reviews


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.

The Thaiger service was prompt, thorough and everything was explained. They provide good service that offers convenience.

Joyce Ramirez


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.



Good services, simple, fast and comes with the completed list of details.

Lewis Litt


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


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 policy is a policy that lasts more than two years. In this policy, the benefits will end when you have recovered from a disability, within a maximum period of up to 10 years. You can also purchase long-term disability insurance that ends when you reach retirement age (but you could extend it into retirement if you wanted to).

Long-term disability insurance protects you if you are affected by a disability for an extended period of time. It covers severe illnesses and injuries that limit or prevent you from working for several months, years, or even permanently.

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.

Insurance for Disabled People can help with your day-to-day life.

After spending weeks trying to purchase disability insurance in Thailand, I came across the Thaiger. It was difficult for me to get disability insurance in the country, but the Thaiger helped me throughout the entire process. Everything was made fast and simple. The team helped me get my coverage in a timely fashion. Now I can live in Thailand confidently without any worries.

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?

People who are more likely to become disabled while working with heavy machinery than when you are working in front of a computer all day, are the people who need this insurance the most. However, Everyone, regardless of their occupation, should obtain disability insurance, as long-term disability insurance will benefit you if you become disabled at some point in the future.

If you work in a high-risk career, you might be given disability insurance as a bonus. Just bear in mind that disability insurance isn’t supposed to make you wealthy. However, it can help you pay your bills and maintain your living standard if anything happens to you and lose your income.

Join the many satisfied customers who’ve got their Insurance for Disabled People with the Thaiger

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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.

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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

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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.

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