Life insurance, maximum 100,000 | Health insurance, maximum 25,000
Updated year criteria 2026
Life Insurance Deductibles Calculator
The Life Insurance Deductibles 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 life insurance deductibles figures and recalculate after changing an assumption. Treat it as a planning estimate and independently verify the current rule or provider terms.
Calculate deductibles from life insurance and health insurance premiums. Ready to check the specified ceiling
Fill in insurance premium information
Policy coverage period ≥ 10 years
Ceiling 25,000 baht
Ceiling 10,000 baht (separate from own ceiling)
Life insurance deductible
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Health insurance deductible
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Spouse insurance reduction
-
Total deductible
-
real life allowance
Life insurance ceiling100,000 baht
Real health allowance
Health insurance ceiling25,000 baht
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Deductions for life insurance and health insurance
Tax deduction from insurance premiums is a benefit that Thai taxpayers can use every year. with separate ceilings as follows:
Life insurance: Maximum 100,000 baht per year. Policy must cover ≥ 10 years.
Health insurance: Maximum 25,000 baht per year (when including life insurance must not exceed 100,000 baht)
Spouse life insurance: Maximum 10,000 baht per year (only married couples who have no income)
Information for preliminary planning Please check deductible rights and policy conditions with the relevant agency before using.
Frequently asked questions
What is the maximum tax deduction for life insurance?
Life insurance premiums are actually tax deductible up to 100,000 baht per year. The policy must have a coverage period of 10 or more and is made with a life insurance company operating in Thailand.
How many baht can be deducted from health insurance?
Health insurance premiums are actually tax deductible up to 25,000 baht per year when combined with life insurance premiums must not exceed 100,000 baht (life insurance + health insurance combined does not exceed 100,000 baht).
Can a spouse's life insurance be deductible?
Life insurance for a spouse who has no income Can be used as a tax deduction on behalf of the spouse who has income up to 10,000 baht (this part is separate from the ceiling of 100,000 baht).
Is pensionable life insurance more deductible?
Pension life insurance has an additional deductible of up to 200,000 baht (or 15% of income in some cases), but is within the total ceiling group of 500,000 baht, same as RMF and PVD.
Check before using results
Summary before using this number
The calculated results are estimates for tax or expense planning. Before actually submitting, you should check the latest rates and conditions from the official agency.
Calculated based on the information you enter and the rate specified on the tool page.
Special cases may require additional evidence or conditions.
The final numbers may change according to actual documents and government agency announcements.
Disclaimer: Calculation results are only estimates. It does not constitute tax or legal advice. Please consult a tax professional for your specific circumstances.
English calculator guide
How to use the Life Insurance Deductibles Calculator
Use this page to test a specific life insurance deductibles 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 life insurance deductibles estimate instead of relying on a generic example.
Build a baseline life insurance deductibles case with figures that match your situation.
Run a second life insurance deductibles case after changing the rate, period, quantity or other key assumption.
Record the difference between the two life insurance deductibles results and the input responsible for it.
Inputs for the life insurance deductibles estimate
For this life insurance deductibles 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 life insurance deductibles result is calculated
The calculator applies the page-specific measurement relationship to the personal values you enter. Reusing the same life insurance deductibles inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a life insurance deductibles decision
Do not treat the result as a diagnosis, eligibility decision or binding insurance quote. For life insurance deductibles, Treat the result as an estimate for planning. Tax rules, eligibility and deduction limits can depend on the tax year and your evidence, so compare the result with current Revenue Department guidance or a qualified adviser. 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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