A brochure from Nongnoi’s letter · 02
Health
When the hospital sends the bill, your savings shouldn’t pay it.
A hospital bill never asks whether you’re ready. Good health cover means the heavy bills never reach your savings.
Who this is really about
Company benefits usually handle the small bills. It’s the six-figure ones that shake a family. This isn’t a page for sick people. It’s for anyone who doesn’t want one illness to wash out every plan they had.
Exclusions first. Always.
- 01
Pre-existing conditions are usually excluded at the start. Some plans have special terms, so read that line carefully.
- 02
Waiting periods for general illness and for specific conditions exist in almost every plan.
- 03
Since March 2025, new health plans may include a copayment clause, where you share part of the bill. It lowers the premium, but know exactly what you’re sharing.
- 04
Out-of-network hospitals may mean paying first and claiming back. I’ll check whether your usual hospital is in the network.
Where we usually start
Unlock Double Care
Lump-sum actual-cost cover of ฿8–30M per policy year, doubling to ฿60M on a confirmed diagnosis of one of ten specified severe diseases. 400+ network hospitals.
Unlock Sabai Kapao
The budget-friendly lump-sum plan. A sensible first step.
Underwritten by Allianz Ayudhya Assurance PCL · Please read and understand the coverage details and conditions before deciding to purchase insurance, every time.
Who it fits
Anyone with no lump-sum health cover at all, people whose company benefits are capped, and families who want to choose the room and the doctor.
A brochure from Nongnoi’s letter · 02 · Health