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What are the best personal accident insurance options available in Thailand for expats?

Personal Accident Insurance Thailand Insurance Recommendations Expat Insurance Health Insurance Motorcycle Insurance

Jan 6, 2026

4 months ago

Lavende*******

ORIGINAL POSTER

Hi, I would like to know if anyone buys personal accident insurance in Thailand? Have any recommendations for it?

Thank you 🙏🙏🙏

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TLDR : Answer Summary

Several expats living in Thailand shared their experiences with personal accident insurance, recommending options from local insurers like AIA, AXA Thailand, and others. It's advised to obtain insurance before arriving in Thailand, as local policies may have a waiting period. Some policies, like those from Bangkok Bank, cover motorcycle accidents, but have age limitations. Other expats prefer insurance from their home countries for quicker reimbursement.

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Christopher ***********

I had Bangkok Bank personal accident insurance. The good thing was it covered motorcycle accidents. However, after age 65 motorcycle cover no longer applied so I discontinued it.

4 months ago

Elías ********

I always buy, from my home country. Any accident (the covered ones, not riding a bike or driving a car) is reimbursed within hours to my home country bank account.

4 months ago

Lavende*******

ORIGINAL POSTER

If I buy from my home country, I need to back to claim it. That's why I'm considering to buy from local.

4 months ago

Elías ********

LavenderQuail9 I see. It makes sense to buy one here. Mine allows to claim from here. On a side note, is it even possible to get a Thai insurance without having a Thai bank account?

4 months ago

Lavende*******

ORIGINAL POSTER

I think you can pay via credit card.

4 months ago

Reply to

Lavende*******

Toni *******

You should get it 1month before coming here if you dont have anything from your home country or credit card company (like travel insurance), when you buy from a local company its usually 30days until you can use it so if anything happens before that, its on you

4 months ago

Robert *********

My wife can assist with that.

She is a well known agent with several top Thai insurers including AIA, AXA Thailand, and Pacific Cross

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4 months ago

Lavende*******

ORIGINAL POSTER

Sounds great, thanks for sharing

4 months ago

Reply to

Lavende*******

N'noay **********

Yes I do and just claim 100% of my bills last month for my motorcycles incident in Chiang Mai ram hospital 😊 and now I also work as a AIA Thailand agent❤️ so let me know I’m you are interested,happy to share this with you ,take care❤️

4 months ago

Lavende*******

ORIGINAL POSTER

If possible, could you please provide me with some information?

4 months ago

N'noay **********

Sure 😊 you can text me and I will send you the information in PDF❤️

4 months ago

Reply to

N'noay **********

How does scooter/motorbike accident insurance work in Thailand for expats?

24 comments