JeffersLos Posted October 26, 2023 Share Posted October 26, 2023 (edited) I have K Bank, Bangkok Bank and BAY bank accounts with debit cards, but I never really paid attention to the PA insurance they also offer. It is by no means a replacement for a proper PA policy. A forum member was involved in a hit and run a few days ago that put him in hospital for a few days and nights. A friend was involved in similar a few years ago, and the first insurance the hospital went for was the PA from their K Bank debit card. It immediately covered the ambulance to a private hospital, the treatment and medication. They simply took the card details and it immediately covered everything without any payment. I think he said it was up to 5000 or 10,000 baht. No need to use his own PA or first class motorbike insurance. For simplicity, it's worth having such an account, putting in the required 500 or 1000 baht, and paying the 500 baht or whatever the annual debit card fees are. Is there a link to a source showing The name of the bank. The account type (account name). The THB coverage amount. The fees. For the different banks and their Debit Card PA cover? It is by no means a replacement for a proper PA policy, but worth having as in an event the Thais will immediately understand it and know how to use it before others. Edited October 26, 2023 by JeffersLos 1 1 Link to comment Share on other sites More sharing options...
CanadaSam Posted October 26, 2023 Share Posted October 26, 2023 IMO, these debit cards with insurance are well worth the money. Last year, I used one 3 times for minor accidents, and it worked, amazingly well, at Jomtien Hospital and Bangkok Pattaya Hospital! I didn't have to pay a dime! I don't know about more serious accidents that require overnight stays, but if you compare the rates for these cards from banks, with actual insurance policies with outpatient coverage, it's a no brainer. I only have real insurance for inpatient only, serious illnesses (if they occur), and choose to use these cards for accidents. 1 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 26, 2023 Author Share Posted October 26, 2023 1 minute ago, CanadaSam said: IMO, these debit cards with insurance are well worth the money. Last year, I used one 3 times for minor accidents, and it worked, amazingly well, at Jomtien Hospital and Bangkok Pattaya Hospital! I didn't have to pay a dime! That is what I've been told by those that have used it, or have had private hospitals use it for them. It's worth being aware of, and setting it up. 2 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 26, 2023 Author Share Posted October 26, 2023 Kasikorn. K-Max Debit Card. Coverage Amount Initial sum insured: 100,000 Baht / card Plus 10 times the average outstanding balance in the linked account in the previous month Plus 10 times the total debit card spending in the previous month Note: Maximum sum insured: 200,000 Baht / card Coverage Amount Up to 5,000 Baht per accident (unlimited number of accidents) Note: Income compensation during hospitalization is up to 30 days per accident. https://www.kasikornbank.com/en/personal/debit-card/Pages/k-max.aspx 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 26, 2023 Author Share Posted October 26, 2023 Krungsri Debit Prompt Card Provide high PA coverage of up to THB300,000 (in the event of death). Medical coverage for accidents of up to THB5,000 per incident with unlimited number of visits per year. Choose from one of our 300 plus healthcare partners nationwide. No advance payment required. https://www.krungsri.com/en/personal/card/krungsri-debit-card/prompt#section3 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 26, 2023 Author Share Posted October 26, 2023 UOB Insurance Coverage Benefits • Maximum medical expense coverage no more than 10,000 Baht/accident. • Insurance coverage includes loss of life, loss of organ functions, or permanent disability from accident, murder, and physical attack or from driving or riding motorcycle maximum 100,000 Baht. • Life insurance coverage in case of loss of life while on public transport maximum 200,000 Baht. Accident Insurance Coverage Limit not exceeding 100,000 Baht Coverage • Medical expense coverage per accident, no more than 10,000 baht. There is no limit to the number of times per year. • Insurance coverage 24 hours worldwide. • No need to pay in advance for admission to more than 300 partner hospitals nationwide Annual fee: 799thb. https://www.uob.co.th/assets/web-resources/pdf/personal/factsheet/mastercard-debit/mc-debit-vcare-unlimit_en-apr23.pdf 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 26, 2023 Author Share Posted October 26, 2023 SCB Let's SCB Plus Debit Card. Joining fee 100 Baht Annual fee 200 Baht Annual issuance 100 Baht Annual insurance fee and operating costs 399 Baht Total 799 THB More peace of mind with instant coverage of up to 100,000 baht in case of accident. Claim medical bills for an unlimited number of medical treatments of up to 5,000 baht for each accident. Pay more for the Super Plus card and benefits. Claim medical bills for an unlimited number of medical treatments of up to 10,000 baht for each accident. In case of in-patient due to an accident, receive income compensation at 1,00 baht/day up to 365 days/case, or 2,000 baht/day up to 10 days in case of CCU/ICU. Cost: 1,799 THB per year. https://www.scb.co.th/en/personal-banking/cards/debit-cards/lets-scb-super-plus.html 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 26, 2023 Author Share Posted October 26, 2023 Krungthai Cost: 699THB Benefits as a result of adult accidental death, loss of limb(s), loss of sight or permanent total disablement as a result of accident (Aw.Baw.1) (excluding murder or bodily assault and accidents from driving your car or riding on hired motorcycle 100,000 Baht Aw.Baw.1-related benefits as a result of murder or bodily assault 30,000 Baht Aw.Baw.1-related benefits as a result of driving your car or riding on hired motorcycle 30,000 Baht Hospitalization (per accident per time): additional cover for murder or bodily assault and inclusive of driving your car and riding on hired motorcycle 5,000 Baht https://krungthai.com/en/personal/cards/debit-card/51 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 26, 2023 Author Share Posted October 26, 2023 CIMB Thai 1. Loss of life, dismemberment, loss of sight or permanent disability due to general accident100,000 2. Loss of life, dismemberment, loss of sight or permanent disability due to motorcycle accident100,000 3. Loss of life, dismemberment or permanent disability due to murder and assault100,000 4. Medical expenses (per accident)10,000 Card replacement fee THB 100/card Annual fee for basic type THB 529/card https://www.cimbthai.com/en/personal/products/cards/cimb-thai-debit-card/cimb-thai-debit-pa-card.html 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 26, 2023 Author Share Posted October 26, 2023 SCB Siriraj DEbit Card Receive benefits of up to 200,000 baht due to loss of life caused by accident Receive medical expenses arising from accidents of up to 5,000 baht per accident (unlimited number of accidents per year) Receive cover for accidents, murder and assaults, or whilst riding or being a passenger on a motorcycle No need to pay medical expenses arising from accidents in advance when being treated in a hospital which is a member of Bangkok Insurance’s network. You can check out the hospital network at www.bangkokinsurance.com Coverage* Sum Insured (baht) 1. Loss of life, dismemberment, loss of sight or total permanent disability from Accident Riding or being a passenger on a motorcycle Murder and Assault 100,000 50,000 50,000 2. Receive 10 times your primary deposit account balance (before date of accident) with this card due to loss of life caused by accident Up to 100,000 3. Receive medical expenses arising from accident, including riding or being a passenger on a motorcycle, and murder/ assaults (unlimited number of accidents per year) 5,000 Fees Entrance Fee: 100 baht Annual Fee: 599 baht (Debit card fee: 374 baht/card and personal accidental insurance fee: 225 baht/card) Card Replacement Fee*: 100 baht Monthly Statement Fee: 200 baht per year (apply at your home branch) https://www.bangkokbank.com/en/Personal/Cards/Be1st-Smart-Card/Be1st-Smart-TPN-Rabbit-Siriraj-Card 1 Link to comment Share on other sites More sharing options...
CanadaSam Posted October 26, 2023 Share Posted October 26, 2023 Jeffers, awesome job, very useful indeed! Are you in the insurance field? Because I am presently shopping around for an inpatient health insurance, and am frankly totally lost and confused! Link to comment Share on other sites More sharing options...
gascooker Posted October 27, 2023 Share Posted October 27, 2023 Krung Thai have a debit card that comes with 20,000 baht worth of accident insurance for a yearly fee of 1,500b (iirc). That'll barely cover a stitch at the Bangkok Hospital group, but should be ok for a minor injury at cheaper hospitals. 1 Link to comment Share on other sites More sharing options...
Popular Post observer90210 Posted October 28, 2023 Popular Post Share Posted October 28, 2023 Could be a good idea to have a card in wallet written in thai with name, address and obvious personal data, but also mentioned in Thai, which credit card to use in case of accident and who to inform. Can be a life saver if unconscious, mainly of course regarding the credit card and expenses !! 1 1 1 Link to comment Share on other sites More sharing options...
Liverpool Lou Posted October 28, 2023 Share Posted October 28, 2023 (edited) On 10/26/2023 at 8:40 AM, JeffersLos said: The name of the bank. The account type (account name). The THB coverage amount. The fees. All the banks that offer that facility provide those details. EDIT: As the OP discovered. Edited October 28, 2023 by Liverpool Lou 1 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 28, 2023 Author Share Posted October 28, 2023 12 hours ago, Liverpool Lou said: All the banks that offer that facility provide those details. EDIT: As the OP discovered. It's better to actually read before commenting. As you discovered. Link to comment Share on other sites More sharing options...
Liverpool Lou Posted October 29, 2023 Share Posted October 29, 2023 13 hours ago, JeffersLos said: On 10/28/2023 at 8:56 AM, Liverpool Lou said: All the banks that offer that facility provide those details. EDIT: As the OP discovered. It's better to actually read before commenting. As you discovered. It's better to actually read before making superfluous comments on an edit that I made a few seconds after posting. As you should have discovered. 1 Link to comment Share on other sites More sharing options...
JeffersLos Posted October 29, 2023 Author Share Posted October 29, 2023 15 hours ago, JeffersLos said: It's better to actually read before commenting. As it saves having to edit any posts that make you look stupid, though still do. 2 hours ago, Liverpool Lou said: an edit that I made As you discovered. Link to comment Share on other sites More sharing options...
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