Plan 1
750,000THB
Yearly maximum
- Room per day
- 4,000 THB
- ICU per day
- 8,000 THB
- New-business age
- 11 to 65 years
Allianz Ayudhya · In-Network Care Across Thailand
Review the coverage, calculate 2026 premiums, and speak with an advisor.
Four structured-benefit health plans. The schedule reflects the May 2026 Smarter Health Plus framework, with annual premiums aligned to the 1 January 2026 rating tiers. This tool provides preliminary estimates and does not constitute a formal policy or contract.
490+ Network HospitalsCashless admission at network hospitals10% no-claim refund (per policy)
Yearly maximum by plan
Smarter Health Plus 2026
Yearly maximumFlagship Tier
5,000,000THB
Room per day
7,000 THB / day
ICU / Intensive Care
14,000 THB / day
Plan 4 is the only plan issued from 15 days old.Check a premium
5,000,000 THB
Plan 4 maximum per policy year
7,000 THB
Highest standard-room benefit per day
10%
Premium refund example if there is no claim, subject to the policy
Where these figures come from
May 2026 brochure
Smarter Health Plus. Plan 4 stops at 5,000,000 THB per policy year. This is the benefit table on this page.
1 January 2026 rates
The yearly rate card is titled Smarter Health. It prices hospitalization only, plus four optional outpatient levels, across 13 age bands.
Important
The policy wording decides
This page summarizes the brochure and the rate card. Your policy wording and the insurer’s underwriting set the final cover and price.
01
Four plans
Plans 1, 2 and 3 can be issued from age 11. Plan 4 can be issued from 15 days old through age 65. Under age 11, Plan 4 has a 30% copayment on sections 1–13.
Plan 2
1,500,000THB
Yearly maximum
- Room per day
- 5,000 THB
- ICU per day
- 10,000 THB
- New-business age
- 11 to 65 years
Plan 3
3,000,000THB
Yearly maximum
- Room per day
- 6,000 THB
- ICU per day
- 12,000 THB
- New-business age
- 11 to 65 years
Plan 4
Widest cover5,000,000THB
Yearly maximum
- Room per day
- 7,000 THB
- ICU per day
- 14,000 THB
- New-business age
- 15 days to 65 years
Personal accident 100,000 THB on every plan. Motorcycle accidents pay 50%.
Optional outpatient benefit: 1,000, 1,500, 2,000 or 2,500 THB per visit, one visit a day, 30 visits a year.
02
Schedule of benefits
All figures are in Thai Baht (THB). “As Charged (Full Cover)” represents eligible in-network hospital expenses reimbursed up to each plan’s annual policy limit. This summary does not constitute an insurance policy.
Swipe sideways to see all four plans.
| Benefit | Plan 1 | Plan 2 | Plan 3 | Plan 4 |
|---|---|---|---|---|
| 1. Inpatient benefits | ||||
| Maximum benefit per policy year (1) | 750,000 THB | 1,500,000 THB | 3,000,000 THB | 5,000,000 THB |
| Area of cover | Thailand only | |||
| Section 1. Room, board and hospital service charges | ||||
| Standard room, maximum per day | 4,000 THB | 5,000 THB | 6,000 THB | 7,000 THB |
| Intensive care room, maximum 15 days | 8,000 THB | 10,000 THB | 12,000 THB | 14,000 THB |
| Section 2. Diagnosis, treatment, blood, nursing, medicine and supplies | ||||
| 2.1 Diagnostic medical services | As Charged (Full Cover) | |||
| 2.2 Treatment, blood and blood components, and nursing | As Charged (Full Cover) | |||
| 2.3 Medicine, parenteral nutrition and medical supplies | As Charged (Full Cover) | |||
| 2.4 Take-home medicine and consumables, maximum 14 days | As Charged (Full Cover) | |||
| Section 3. Physician’s visit, per day | As Charged (Full Cover) | |||
| Section 4. Surgery and procedures, per inpatient stay (2) | ||||
| 4.1 Operating room and procedure room | As Charged (Full Cover) | |||
| 4.2 Medicine, nutrition, supplies and surgical equipment | As Charged (Full Cover) | |||
| 4.3 Surgeon and assistant surgeon | As Charged (Full Cover) | |||
| 4.4 Anesthesiologist | As Charged (Full Cover) | |||
| 4.5 Organ transplant surgery | As Charged (Full Cover) | |||
| Section 5. Day surgery | As Charged (Full Cover) | |||
| 2. Benefits that do not require an inpatient stay | ||||
| Section 6. Related care before and after hospitalization | ||||
| 6.1 Directly related diagnostics within 30 days before or after admission | As Charged (Full Cover) | |||
| 6.2 Follow-up outpatient care within 30 days after discharge, excluding diagnostics | As Charged (Full Cover) | |||
| Section 7. Outpatient injury treatment within 24 hours of an accident | As Charged (Full Cover) | |||
| Section 8. Rehabilitation after each inpatient stay (2) | As Charged (Full Cover) | |||
| Section 9. Hemodialysis for chronic kidney disease, per policy year | 25,000 THB | 25,000 THB | 50,000 THB | 50,000 THB |
| Section 10. Radiotherapy, interventional radiology and nuclear medicine for tumor or cancer, per policy year | 750,000 THB | 1,500,000 THB | 3,000,000 THB | 5,000,000 THB |
| Section 11. Cancer chemotherapy, per policy year | 750,000 THB | 1,500,000 THB | 3,000,000 THB | 5,000,000 THB |
| Section 12. Emergency ambulance, maximum per trip | 2,000 THB | 2,000 THB | 2,000 THB | 2,000 THB |
| Section 13. Minor surgery | As Charged (Full Cover) | |||
| Additional benefit | ||||
| Personal accident, Or.Bor.2 (3) | 100,000 THB | 100,000 THB | 100,000 THB | 100,000 THB |
- (1) A person under 11 has a 30% copayment on sections 1–13.
- (2) Paid as charged, and not above the plan’s maximum benefit per policy year.
- (3) Personal accident covers death, dismemberment, loss of sight, hearing or speech, and permanent disability. A motorcycle accident pays 50% of the sum insured.
04
Nationwide Healthcare Access
490+ Network Hospitals & Direct Billing
Show your Allianz membership card at a network hospital in Thailand. For eligible inpatient admissions the hospital bills the insurer directly, so you do not pay the covered amount in advance.
490+
Network hospitals in Thailand
IPD
Direct billing for eligible inpatient admissions
1M USD
Emergency medical assistance by AWP Services (not part of the policy)
Showing 10 featured network hospitals· A selection of network hospitals. Ask an advisor for the full, current list.
Direct billing at network hospitalsTier 1 · #01BKK
Bangkok Hospital (BDMS)
Bangkok & Nationwide
JCI Accredited Premier Hospital Network
Tier 1 · #02BKK
Bumrungrad International
Sukhumvit, Bangkok
World-Class Multi-Specialty Medical Hub
Tier 1 · #03BKK
Samitivej Hospitals
Sukhumvit & Srinakarin
Pediatric & Tertiary Care Leader
Tier 1 · #04BKK
MedPark Hospital
Rama IV, Bangkok
Advanced Complex Diseases Center
Tier 1 · #05BKK
BNH Hospital
Silom, Bangkok
Expatriate & Travel Medicine Specialist
Tier 1 · #06BKK
Siriraj Piyamaharajkarun
Chao Phraya, Bangkok
Leading Academic Medical Center
Tier 1 · #07CNX
Chiang Mai Ram Hospital
Chiang Mai, North
Premier Northern Medical Center
Tier 1 · #08CNX
Bangkok Hospital Chiang Mai
Superhighway, Chiang Mai
Tertiary Trauma & Emergency Care
Tier 1 · #09HKT
Bangkok Hospital Phuket
Phuket & Andaman
Southern Thailand Referral Hospital
Tier 1 · #10PTY
Bangkok Hospital Pattaya
Pattaya, Chonburi
Eastern Seaboard Specialist Hub
How direct billing works
Admissions are checked electronically with the insurer. Direct billing applies to covered inpatient care at network hospitals and is not available in every case.
01
Present Digital Care Card & Passport
Show your Allianz Care Card and passport at the accredited hospital admission or emergency counter.
02
Instant Electronic Verification
The hospital contacts Allianz Bangkok Operations to verify your policy limits and issue cashless approval.
03
Discharge without advance payment
Covered inpatient costs are settled between the hospital and the insurer. Anything not covered is paid at the hospital.
AllianzVERIFIED
DIRECT BILLING
4820 · SMARTER · 2026
CASHLESS INPATIENTVIP PASS
Direct billing (Care Card)
Direct billing at 490+ network hospitals
Admissions are checked electronically with the insurer. Direct billing applies to covered inpatient care at network hospitals and is not available in every case.
05
Essential Policy Conditions & Exclusions
These are the published issue rules and the main exclusions. The policy wording controls if a sentence here is shorter than the contract.
01
Who can be issued a new policy
Plans 1, 2 and 3: from 11 years old. Plan 4: from 15 days old to 65 years old. A person under 20 applies together with a father or mother. The policy term is one year.
02
Renewal is not the same as a new issue
Someone who starts before age 60 and renews continuously can renew for life. Someone who starts from age 60 can renew up to age 80. Renewal still follows the policy.
03
Waiting periods
Illness during the first 30 days is not covered. Tumors, cysts or any cancer, hemorrhoids, all hernias, pterygium or cataract, tonsil or adenoid removal, all stones, varicose veins of the leg, and endometriosis are not covered during the first 120 days. Emergency surgery that is not a consequence of a pre-existing condition is the stated exception.
04
What stays outside
Pre-existing conditions, including complications, are not covered. Treatment outside Thailand is not covered. The area of cover is Thailand only.
05
Limits across policies with this company
Medical benefits in sections 1 and 2 together are limited to 30 million THB per person per policy year across policies in force with the company. Personal accident is limited to 1 million THB.
06
Cashless network, no-claim refund, and assistance
Direct billing is described for a network of more than 490 hospitals in Thailand, and it is not available in every case. A 10% premium refund if there is no claim is a published feature and still subject to the policy. Emergency medical assistance of 1,000,000 USD is a service by AWP Services. It is not part of the insurance policy and the company can change or withdraw it.
07
Tax
The premium may qualify for a Thai personal income-tax deduction under Revenue Department rules. This page is not tax advice.
06
Original documents
Open the insurer’s own files. This desk does not replace them.
07
Schedule an Advisor Consultation
Submit your preferred consultation details. An authorized advisor will reach out to confirm your appointment. No policies are purchased without your explicit confirmation.
What happens next
- 1
The request is stored
You get a reference straight away. Nothing is booked and nothing is bought.
- 2
Someone contacts you
The desk calls or emails in the language you chose to agree a real time.
- 3
You decide
Bring the premium you saw here. The insurer’s underwriting sets the final price.