Benefits of Having Personal Accident Insurance

Learn about the benefits of personal accident insurance for expats living in Thailand.

The Advantages of Having Personal Accident Insurance

Personal accident insurance may not seem necessary to some people, and they may wonder why they should spend money on it if they already have health insurance. However, on the other hand, personal accident insurance has a number of advantages that health insurance does not. Accidents can happen to anyone, so we’ve compiled a list of the benefits of personal accident insurance and why you should add it to your insurance portfolio.

Cover for permanent total disability: The entire sum assured is paid to the person in the event of the insured’s permanent disability as a result of an accident.

Cover for death: A lump sum of money is guaranteed to be paid to the beneficiary in the event of the insured’s death.

Cover for permanent and partial disability: If the insured suffers permanent partial disability as a result of an accident, a percentage of up to 100% of the sum assured is paid to the beneficiary depending on the extent of the disability.

Cover for accident hospitalization: Hospitalization expenses incurred as a result of accidents that resulted in a claim for disablement or death are covered by this benefit.

Temporary or total disablement coverage: In the event of temporary total disablement, PA insurance will provide weekly benefits for accidents that result in home confinement for up to 104 weeks (As per schedule).

Cover for transportation: In the event of unintentional death, a large sum of money will be paid to the beneficiary to cover the cost of transporting mortal remains to your home.

Key Points

  • Personal accident insurance will cover your lost income until you are able to return to work as specified in the policy.
  • Personal accident insurance will cover not only medical bills but also other costs incurred as a result of an accident.
  • With personal accident insurance, you and your family can have peace of mind knowing you are always financially protected.

Peace of Mind and Family Security

Accidents can happen anywhere, at any time, and they can have a significant impact on your life, including your financial situation, no matter how hard we try to avoid them. Even minor accidents can disrupt your ability to work, and if you are killed in an accident, your family may bear the brunt of the consequences if you do not have the appropriate insurance coverage.


An accident may cause temporary or permanent disability, if you have personal accident insurance, you can claim compensation for various types of disability, for example, if you partially lose your hearing in one ear or you suffer vision loss in one eye, you can file a claim as it is covered in your policy.

Medical expenses are covered up to 30,000 Baht, plus a daily compensation benefit of up to 3,000 Baht and life coverage of up to 2 million Baht.

Home Alteration and Vehicle Modification Benefit

If you need to use a wheelchair after an accident, for example, you’ll need to make appropriate modifications to your home and vehicle to ensure that you can live and travel comfortably. You can seek compensation from your insurer for the changes you’ve made to your home.

Death of the Policy Holder

In the event that you pass away during an accident, the insurance company will disburse compensation to your family. For instance, if you have children, the insurer may help you take care of their education to a certain extent.

Traveling with peace of mind with accident coverage of up to 1 Million Baht.

Worldwide Coverage

Most insurance policies have geographical limitations, which means they do not provide compensation for incidents that occur outside of their country. However, there is no such restriction with personal accident insurance, you can be confident that you will receive the benefit regardless of where the accident occurred, for you have worldwide coverage.

Minimal Requirements

Many people avoid buying insurance because they believe the process is complicated and requires a lot of paperwork. When you purchase a personal accident insurance policy, however, you will not be responsible for any paperwork. The insurance company will issue the policy after you fill out the application form with basic information.

Unlike health insurance, which requires you to undergo medical tests before being issued a policy, personal accident insurance does not require you to undergo any tests before being issued a policy.

Easy Claim Process

An easy claim process is one of the most important features that most insurance buyers look for when purchasing any insurance. The claim process is simple regardless of the type of policy you choose. All you have to do is submit a request to the insurance company (either online or offline), and the claim amount is paid out once the insurance company verifies the claim.

Other Types of Personal Accident Insurance

Personal Accident Insurance Guides