I'm referring to the Thai insurance market rate for 2026.
Insurance for Specific Diseases Calculator
The Insurance for Specific Diseases 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 insurance specific diseases figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Estimate Critical Illness premiums for critical illnesses by age, gender, and coverage amount.
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Calculation results
Estimated annual premiums.
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Calculation Details
Why do you need serious illness insurance?
Statistics from the Ministry of Health show that cancer and heart diseases are the leading causes of death in Thailand. Treatment costs for these diseases are often so high that they are a heavy financial burden.
Frequently asked questions
What is Critical Illness?
Critical Illness insurance pays a lump sum immediately when diagnosed with a specific critical illness, like cancer, heart disease, cerebrovascular disease, stroke. This lump sum can cover everything from treatment to recovery expenses to compensation for lost income.
What's the difference between CI and health insurance?
Health insurance pays for actual treatment on receipt, CI insurance pays a lump sum of the insured amount immediately upon diagnosis, no proof of expense. Both should be at the same time.
How much should the CI grant do?
I recommend at least 500,000-1,000,000 baht because the average cancer treatment cost in Thailand is 500,000-2,000,000 baht per course of treatment plus the costs of recovery and lost income.
What diseases are usually covered by CI?
Major diseases covered: cancer, heart attack, stroke, terminal kidney failure, liver failure, organ transplant, neurodegenerative diseases such as paralysis, blindness, deafness. Some plans cover more than 40 diseases.
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: The calculations are just estimates, the actual premiums depend on the insurance company and the health check.
English calculator guide
How to use the Insurance for Specific Diseases Calculator
Use this page to test a specific insurance specific diseases 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 insurance for specific diseases estimate instead of relying on a generic example.
Build a baseline insurance specific diseases case with figures that match your situation.
Run a second insurance specific diseases case after changing the rate, period, quantity or other key assumption.
Record the difference between the two insurance specific diseases results and the input responsible for it.
Inputs for the insurance specific diseases estimate
For this insurance specific diseases 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 insurance specific diseases result is calculated
The calculator applies the displayed inputs to the stated arithmetic relationship. Reusing the same insurance specific diseases inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a insurance specific diseases decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For insurance specific diseases, 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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