Additional Top-up Insurance Calculator
The Additional Top-up Insurance Calculator estimates a planning estimate for the health or protection scenario entered from the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. Replace the example values with your own additional top up insurance figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Calculate the top-up premium to increase the insurance capital to sufficient as required.
Fill in information
Target collateral required.
The current policy capital.
Depends on age and type of insurance.
Details
Directions.
The Top-up allowance per month is calculated from the allowance per year ÷ 12 making this because the allowance is divided by the number of months of coverage
What is a top-up insurance?
Top-up insurance is a way to increase the capital of life insurance or other insurance when the existing capital is not sufficient. It is a convenient option because there is no need to examine a new doctor and usually there is no waiting period.
Top-up formula.
Top-up fee = (capital required - current capital) × rate ÷ 100
Example: (1,000,000 - 500,000) × 2% = 10,000 baht/year
The benefits of Top-up insurance
- Easy and convenient: No need for a new medical examination. Not much paperwork.
- Low margin: Calculated from additional capital only, no underwriting in addition.
- No waiting: Most of them start working immediately or after a few days.
- Suitable for those with insurance: Extend the coverage of the existing policy.
What you need to know
- Top-ups are usually subject to insurance policy.
- The premium rate may vary depending on age and type of insurance.
- You must be in the company's age range.
- Top-up funds usually have a minimum amount, such as 50,000 or 100,000 baht
Frequently asked questions
What is a top-up insurance?
When should I choose Top-up?
Does the Top-up insurance pay longer?
English calculator guide
How to use the Additional Top-up Insurance Calculator
Use this page to test a specific additional top up insurance scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the additional top-up insurance estimate instead of relying on a generic example.
- Build a baseline additional top up insurance case with figures that match your situation.
- Run a second additional top up insurance case after changing the rate, period, quantity or other key assumption.
- Record the difference between the two additional top up insurance results and the input responsible for it.
Inputs for the additional top up insurance estimate
For this additional top up insurance calculation, check the personal measurements, coverage assumptions, period and other non-identifying values requested by the calculator. The result is designed to show a planning estimate for the health or protection scenario entered, not a guaranteed provider price or official decision.
How the additional top up insurance result is calculated
The calculator applies the displayed inputs to the stated arithmetic relationship. Reusing the same additional top up insurance inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a additional top up insurance decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For additional top up insurance, Use the estimate to compare scenarios. Actual premiums, cover, exclusions, excesses and acceptance are set by the insurer and can differ from this planning result. Because this calculation can affect an important financial, legal or health decision, independently verify the inputs and current rules before relying on the result.
- Language QA
- Terminology, numeric values and calculator controls checked
- Calculator scope
- General arithmetic
- Last English review
- 26 July 2026