I'm referring to the Thai insurance market in 2026.
Income Protection Insurance Calculator
The Income Protection 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 income protection insurance figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Estimate income protection premiums and calculate compensation requirements based on income and expenses.
Fill in information
Calculation results
Estimated annual premiums.
-
-
Calculation Details
Who should take out income protection insurance?
Everyone whose income comes from work, especially: freelancers and self-employed who do not have benefits from their employers, have debts or dependent families, and those who work in high-risk occupations.
Frequently asked questions
What is income protection?
Income Protection Insurance, or TDI, pays monthly compensation when you're unable to work due to illness or accident, helping you earn a living during your recovery.
How is income protection insurance different from health insurance?
Health insurance pays for medical care but doesn't compensate for lost income during illness, Income Protection Insurance pays monthly income compensation, spend whatever you want.
Is the premium for income protection expensive?
Generally, the benefit is 1-3% of the chosen annual compensation. For example, if you want to compensate 30,000 baht/month (360,000 baht/year), the benefit will be about 3,600-10,800 baht/year.
What is the Waiting Period?
The period before the insurance starts paying, like 30 days, 60 days, or 90 days from the date of inability to work. Long waiting periods, lower premiums.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: Calculations are estimates, actual rates depend on insurance and professional.
English calculator guide
How to use the Income Protection Insurance Calculator
Use this page to test a specific income protection 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 income protection insurance estimate instead of relying on a generic example.
Build a baseline income protection insurance case with figures that match your situation.
Run a second income protection insurance case after changing the rate, period, quantity or other key assumption.
Record the difference between the two income protection insurance results and the input responsible for it.
Inputs for the income protection insurance estimate
For this income protection 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 income protection insurance result is calculated
The calculator applies the displayed inputs to the stated arithmetic relationship. Reusing the same income protection insurance inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a income protection insurance decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For income protection 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
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
This history and results reside only in this device's browser. Press clear to delete immediately.
💾 Saved calculations
Save numbers only in this device's browser. It could be health or financial information. Therefore, the entered values or results are not sent to the server. You can delete them all from the button above. And data should be cleared when sharing the device with others.
Select 2–5. Items to compare
📊
There are no saved calculations yet.
Press the "Save" button after calculation to store the results.
