Just like traditional personal accident insurance, Extreme Personal Accident Insurance covers everything that personal accident insurance covers but more. Things that are normally excluded in Accident Insurance are added to the Extreme Personal Accident Policy like riding on a motorcycle and many extreme sports. Below is the detail on the general coverage of an extreme Personal Accident Insurance policy.
Loss of life, Dismemberment, Loss of sight, Loss of hearing, Loss of Speech, or Permanent Disability
An accidental death and dismemberment coverage will pay benefits to the beneficiary if the cause of death or dismemberment is an accident.
Accidents from riding or traveling as a passenger on a motorcycle
The coverage for riding or traveling as a passenger on a motorcycle is usually specified in a different section. This amount is usually lower than the insured amount. This will give benefit the beneficiary if the insured dies riding or traveling as a passenger in a motorcycle accident. Normal Personal Accidents would only traveling as a passenger but some extreme personal accident insurance also covers riding on a motorcycle.
Accidents which is due to extreme sports*
Accidents from playing extreme sports would normally be excluded from a normal personal accident policy. This may include Snorkeling, Snowboarding, skiing, skydiving, surfing, and many more.
Medical Expenses from General Accidents
Medical expenses benefit is usually 10% of the insured amount, although some insurance companies have made their own policies that cover more for medical expenses. This coverage will benefit the insured person should an accident result to an injury that requires hospitalization.
Medical Expenses from Extreme Sports Accidents
Medical expenses that benefit from extreme sports accidents will normally be separated from general accidents and will have a different limit.
Income compensation benefit during hospitalization due to accident
This coverage will give a benefit during hospitalization due to an accident. Normally will limit to a certain amount of benefit per day in an emergency room or Intensive Care Unit. Hospitalization in an emergency room or in the Intensive Care Unit might also give you different benefits depending on the policy detail
Dental Treatment due to accidents
Dental Treatment due to an accident is normally not covered under a normal personal accident policy. Under most Extreme Personal accident insurance Dental Trememnt will be covered in a separate section.
Being murdered or physically assaulted
Murder and Assault benefits will benefit the beneficiary if the insured is murdered or assaulted. The amount specified for this benefit is different from the death and dismemberment. The benefit for this is usually lower than the insured amount.
Pricing comparison by insurer
Indicative ranges only. Actual premiums depend on plan/coverage, customer profile, and current campaigns. Confirm via live quote.
Tier
Insurer
Premium range (THB)
Notes
PA Basic
Dhipaya Insurance
1,000–2,500
PA Basic
Bangkok Insurance
1,100–2,600
PA Basic
LMG Insurance
1,050–2,550
PA Basic
Deves Insurance
1,100–2,700
PA Plus
Viriyah
2,500–5,000
PA Plus
Thaivivat Insurance
2,300–4,800
PA Plus
MSIG Insurance
2,400–4,900
PA Plus
Sompo Insurance
2,350–4,700
PA Extreme
Chubb Samaggi Insurance
4,200–9,500
PA Extreme
Sompo Insurance
4,000–9,000
PA Extreme
Tokio Marine Insurance
4,100–9,200
PA Extreme
The Navakij Insurance
3,800–8,800
PA Extreme
Deves Insurance
3,700–8,600
Who Should Consider Extreme Personal Accident Insurance?
Extreme Personal Accident Insurance is ideal for adventure enthusiasts, motorcycle commuters, and anyone whose lifestyle involves higher-risk activities that standard policies exclude. If you regularly participate in extreme sports, ride motorcycles, or work in hazardous environments, this enhanced coverage provides the comprehensive protection you need.
Frequently Asked Questions
What extreme sports are typically covered?
Coverage usually includes activities like snorkeling, snowboarding, skiing, skydiving, surfing, rock climbing, and bungee jumping. Specific activities vary by insurer, so check your policy details for the complete list.
How does motorcycle coverage differ from regular accident insurance?
While standard policies may only cover passengers, extreme policies often include coverage for motorcycle drivers. Benefits may have separate limits and specific conditions.
Are pre-existing medical conditions covered?
Like standard accident insurance, extreme policies typically exclude pre-existing conditions. Coverage applies only to new injuries resulting from covered accidents.
What happens if I get injured abroad during extreme sports?
Most policies provide worldwide coverage, but check if your specific activities and destinations are included. Some remote locations or professional competitions may be excluded.
Steps in Applying for Personal Accident Insurance
Buying personal accident insurance in Thailand is simple & easy
To apply for accident insurance, we will need the documents from you below (This applies to every insurance company) :
Apply via our website or contact our Customer Service Representative for an Application form.
Submit a Copy of your Passport with a Verified Signature.
Pay the Invoice Premium
You’re Covered.
Original Policy and Card will be delivered to your specified address in 7-10 business days by Registered EMS.
*Some insurance companies require Work Permit and Visa Stamp. Others only require an Application form and Passport Copy with Verified Signature.
