Insurance basics in Thailand
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Insurance in Thailand is regulated by the Office of Insurance Commission (OIC), which licenses insurers, brokers and agents. Some cover is compulsory, much is optional, and policies are often sold in Thai first, with English translations that are for reference only.
Motor insurance
Every vehicle registered in Thailand must carry compulsory motor insurance, known as Por Ror Bor. It provides limited cover for injury and death and is renewed with the annual vehicle tax. It does not cover damage to vehicles or property.
Voluntary motor insurance is sold in classes:
| Class | What it usually covers |
|---|---|
| Class 1 | Your own vehicle, third parties, theft and fire, including single-vehicle accidents |
| Class 2+ and 3+ | Your vehicle only in collisions with another identified vehicle, plus third parties, at lower premiums |
| Class 2 | Third parties, theft and fire of your vehicle |
| Class 3 | Third parties only |
Check the named or unnamed driver terms if you drive on a foreign or international licence, and keep a valid Thai or international driving licence. Claims can be refused if the driver is unlicensed.
Social security for employees
Employees of Thai companies, including foreign employees with work permits, are generally registered with the Social Security Office. Employee and employer each contribute 5 percent of monthly wages. The wage ceiling used for contributions rose to 17,500 baht a month from 2026, so the maximum monthly employee contribution is 875 baht.
Social security gives medical treatment at a registered hospital chosen by the insured person, along with sickness, maternity, disability, death, child, old-age and unemployment benefits. Many foreign employees combine it with private health insurance for access to other hospitals.
Health and life insurance
Private health insurance is sold by life insurers and non-life insurers. Policies may be standalone or riders attached to a life policy. See health insurance for visa applications for what to check.
Home, contents and liability
Condo buildings usually insure the structure and common areas through the juristic person. Owners and tenants insure their own contents. Landlords sometimes ask tenants to carry liability cover for damage to neighbouring units caused by, for example, water leaks.
Travel insurance
Short-term travel insurance covers trips out of Thailand and is often required for Schengen visa applications. Annual multi-trip policies suit frequent travellers.
Buying a policy
Policies can be bought direct from insurers or through licensed brokers and agents. Ask for the full policy wording as well as the brochure, and check the OIC's licence search if you are unsure about an agent. Many general insurers also sell travel, accident and other personal cover direct to individuals.