AIA Personal Accident
High cover for a low premium, against the one risk that does not care how healthy you are. Particularly relevant here: road traffic accidents are among the leading causes of death in Thailand, and most expats ride or are driven daily.
Best suited to
- Anyone who rides a motorbike or scooter in Thailand
- People who travel around the country regularly for work
- Anyone wanting meaningful cover for a few thousand baht a year
Why this matters more in Thailand
Thailand has one of the highest road fatality rates in the world, and the risk falls disproportionately on two wheels. If you or your partner ride — even just to the shops — this is the most probable serious accident you face while living here.
Because the premium is priced on accident risk alone rather than on your medical history, cover is cheap relative to the sum insured, and health conditions that complicate a medical policy usually do not affect it.
What it covers
What it covers
Beyond accidental death, these plans cover permanent disability and loss of limbs or sight — outcomes that are financially heavier than death, because income stops at the same moment care costs begin.
- Accidental death
- Permanent disability, loss of limb or sight, per the benefit schedule
- Optional accident medical expenses, depending on the plan chosen
- Motorcycle cover, subject to the terms of the plan selected
Check the exclusions — especially the motorbike clause
Accident policies carry sharper exclusions than most: incidents while over the alcohol limit, racing, and certain high-risk sports. Declare it at application if you ride a large-capacity motorbike, dive, or climb.
Motorcycle cover in particular differs plan by plan — some pay the full sum insured, others a reduced percentage. If you ride daily, get that confirmed in writing before you sign. We will point at the exact clause.
Common questions
Does my travel insurance already cover this?
Usually only for the duration of a trip, and often with motorcycle exclusions that catch people out in Thailand specifically. A local accident policy covers you as a resident, year-round, with the motorbike position stated up front.
I already have health insurance. Is this redundant?
No. Health insurance pays the hospital. It does not pay a benefit for permanent disability or loss of a limb, which is the outcome with the largest long-term financial consequence. They cover different things.
Do I need a medical exam?
Generally not — underwriting looks at your occupation and activities rather than your medical history. That makes it a practical option for people who find medical cover difficult to obtain.
Why this matters more in Thailand
Thailand has one of the highest road fatality rates in the world, and the risk falls disproportionately on two wheels. If you or your partner ride — even just to the shops — this is the most probable serious accident you face while living here.
Because the premium is priced on accident risk alone rather than on your medical history, cover is cheap relative to the sum insured, and health conditions that complicate a medical policy usually do not affect it.
What it covers
What it covers
Beyond accidental death, these plans cover permanent disability and loss of limbs or sight — outcomes that are financially heavier than death, because income stops at the same moment care costs begin.
- Accidental death
- Permanent disability, loss of limb or sight, per the benefit schedule
- Optional accident medical expenses, depending on the plan chosen
- Motorcycle cover, subject to the terms of the plan selected
Check the exclusions — especially the motorbike clause
Accident policies carry sharper exclusions than most: incidents while over the alcohol limit, racing, and certain high-risk sports. Declare it at application if you ride a large-capacity motorbike, dive, or climb.
Motorcycle cover in particular differs plan by plan — some pay the full sum insured, others a reduced percentage. If you ride daily, get that confirmed in writing before you sign. We will point at the exact clause.
Common questions
Does my travel insurance already cover this?
Usually only for the duration of a trip, and often with motorcycle exclusions that catch people out in Thailand specifically. A local accident policy covers you as a resident, year-round, with the motorbike position stated up front.
I already have health insurance. Is this redundant?
No. Health insurance pays the hospital. It does not pay a benefit for permanent disability or loss of a limb, which is the outcome with the largest long-term financial consequence. They cover different things.
Do I need a medical exam?
Generally not — underwriting looks at your occupation and activities rather than your medical history. That makes it a practical option for people who find medical cover difficult to obtain.
