Personal health insurance contribution estimates 2026
The figures are estimates for planning purposes only.
Update year 2026
Individual Health Insurance Premiums Calculator
The Individual Health Insurance Premiums 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 individual health insurance premiums figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Estimate personal health insurance premiums by age, gender, coverage plan, and IPD amount.
Calculated (estimated)
IPD allowance.-
OPD allowance.-
Total annual premium.-
Monthly allowance.-
Tax Deductions (Max)-
* Actual premiums may vary by insurance company. Contact agent for correct quote.
How to calculate health insurance premiums
Health insurance premiums depend on age, gender and coverage. The older you get, the higher the premiums because of the increased health risk.
Frequently asked questions
What's the difference between OPD and IPD?
OPD covers non-hospital treatments such as doctor visits, medicines, tests. IPD covers hospitalizations of at least 1 nights such as surgery, room, doctor.
Which health insurance plan should I buy?
For the average healthy person, the basic IPD plan alone is enough. If you have chronic diseases or frequently use OPD services, add OPD plans. Premium plans are for those who need maximum coverage and access to leading hospitals.
How much is the health insurance contribution tax deductible?
Health insurance premiums are tax deductible up to 25,000 baht per year (as per the Tax Department's announcement) and when combined with life insurance premiums, not more than 100,000 baht per year.
Use your protection requirements to look for health insurance from Roojai.
Use the calculator results as a basis before looking at partner offers.
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: The calculations are estimates. The actual amounts are to be checked directly with the health insurance company.
English calculator guide
How to use the Individual Health Insurance Premiums Calculator
Use this page to test a specific individual health insurance premiums 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 individual health insurance premiums estimate instead of relying on a generic example.
Build a baseline individual health insurance premiums case with figures that match your situation.
Run a second individual health insurance premiums case after changing the rate, period, quantity or other key assumption.
Record the difference between the two individual health insurance premiums results and the input responsible for it.
Inputs for the individual health insurance premiums estimate
For this individual health insurance premiums 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 individual health insurance premiums result is calculated
The calculator applies the page-specific measurement relationship to the personal values you enter. Reusing the same individual health insurance premiums inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a individual health insurance premiums decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For individual health insurance premiums, 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.
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