FAQS

The insured must be Thai nationals or foreign nationals holding a legally valid Thai work permit and age between 1 and 80 years for Domestic plans and age between 1 and 85 years for International Plans.

This policy will not cover any damage, injury, or liability arising directly or indirectly from travel to, through, or within the following countries: Afghanistan, Azerbaijan, Iraq, Israel, Kyrgyzstan, Lebanon, Libya, Nicaragua, Sudan, Burundi, Eritrea, Algeria, Haiti, Cuba, Congo, Liberia, North Korea, Pakistan, Palestine, Syria, Tajikistan, Turkmenistan, Uzbekistan, Iran, Crimea and Sevastopol, Nepal, Russia, Ukraine, Belarus, and all countries under UN sanctions.

Single-trip travel insurance is a plan that covers each individual trip, up to a maximum of 180 days. Annual trip insurance, on the other hand, covers any number of trips within a year, with each trip lasting a maximum of 120 days.

You can purchase travel insurance up to 365 days (1 year) in advance and at the latest 2 hours before your departure time from Thailand as specified in your itinerary.

A full refund will be given, provided the policyholder has a copy of the visa rejection letter from the embassy.

The travel insurance plan used for a Schengen Visa application must have the following coverage: - Coverage of €30,000 or approximately 1.5 million baht. - Covers all expenses related to repatriation to Thailand in case of illness, emergency medical treatment, and/or hospitalization, or death while in the Schengen area. - Covers the entire duration of the journey from departure from Thailand until return to Thailand.

You will receive the policy, receipt, and terms of coverage via email within 10 minutes of completing your payment. If you choose to receive the policy and receipt by mail, you will receive the documents within 7 business days of the payment completion date

Please contact our staff to request a correction. Have your policy number and relevant documents ready for verification.

For the security of your information, you must enter a password every time you open the file. The password is your date of birth as specified during the insurance purchase process. The format is as follows: Please enter your date of birth as specified in the policy in the format ddmmyyyy. For example, if you were born on January 5, 1985, your password would be 05011985 If you are unable to open the policy file received via email, please check the following: 1) Ensure that the language used for data entry is correct. 2) Verify that you have entered the information correctly according to the specified format. If you are still unable to open the file, please contact the KPI Contact Center at 02-624-1111 or via email at service@kpi.co.th for further assistance in accessing your policy file.

If you do not receive your policy and receipt via email within 10 minutes of completing your payment, please check the following: 1) Verify that you provided the correct email address during the insurance purchase process. 2) Check the folders named “Junk,” “Spam,” or “Traffic Email” in your email service. Because the company sends a large number of policy emails to customers daily, some emails may be filtered by certain email providers or by the user's own settings. If you have checked and still have not received an email from the company, or find that you have entered an incorrect email address, please contact KPI Contact Center at 02-624-1111, via email at service@kpi.co.th, or through our LINE Official Account @kpicontactcenter so we can resend the email. However, please rest assured that once your insurance premium has been successfully paid, you will receive coverage according to the policy terms and the insurance plan you have chosen, even if you have not yet received the policy file from the company.

Yes, during the transaction process you can choose whether to issue it in the name of an individual or a legal entity.

Medical expenses are covered according to the coverage limit and conditions of the selected plan. Please review coverage details before purchasing.

Yes, you can, but this travel insurance plan will not cover that pre-existing condition, as it is considered a medical condition that existed before traveling. It will cover other general illnesses and accidents.

A health check is not required, but it will not cover pre-existing conditions, chronic diseases, genetic disorders, or complications arising from pre-existing conditions.

The Company provides coverage for medical treatment within 21 Days of returning to Thailand. The maximum amount the company will pay for medical expenses incurred in Thailand is no more than 5% of the medical benefit or for a maximum of 21 consecutive days, whichever is less.

Customers can contact the 24/7 emergency medical service hotline. Call +66 (0) 2305 4474.

Policyholders do not have to pay upfront for inpatient (IPD) treatment at hospitals contracted with KPI. However, for treatment at other medical facilities, policyholders still need to pay upfront. Upon returning to Thailand, they can use the medical certificate and original receipts to claim compensation from the company.

Flight delay is covered subject to the conditions and minimum delay period specified in the policy.

The Company will pay compensation when your flight is delayed from its original schedule for every 4 consecutive hours, but up to a maximum of the insured amount specified in the insurance policy, from one of the following events: 1. Unfavorable weather conditions. 2. Malfunction of aircraft equipment. 3. Protests or strikes by employees, air transport operators, or airports.

If an airline announces a flight cancellation “before” the original scheduled flight, the airline will be responsible for arranging a replacement flight or refunding the airfare, and may also provide additional compensation. However, if the cancellation occurs due to one of the following events: 1. Death, serious injury, or severe illness of the insured or a family member, and the serious injury or illness requiring treatment by a legally licensed physician, resulting in a certification by the physician that the insured is unable or unfit to travel because it may be life-threatening. 2. The carrier announces the cancellation of the trip due to severe weather conditions that make travel impossible. 3. Protests or strikes that affect the insured’s travel. 4. The insured is subpoenaed to appear as a witness in court or receives an enforcement order from the court. 5. Severe loss or damage to the insured’s permanent residence, rendering it uninhabitable, due to fire or natural disaster. The Company will pay compensation for losses or damages directly related to the cancellation of such trip, which the insured has paid in advance in part or in whole, as deposits or advance bookings for unused travel or accommodation expenses, or penalties for the cancellation of such trip, which cannot be claimed from other insurance or other sources. Based on actual expenses incurred, up to a maximum as specified in the insurance policy schedule. This coverage is only effective if the insured purchased the insurance before becoming aware of any event that led to the cancellation of the trip.

A missed connecting flight means missing a connecting flight at the transfer point due to a “delay” in the “flight arriving at that transfer point” and there is no other flight available to replace it within at least 4 hours from the time the original flight arrived at the transfer point to the time the new flight departs. Up to the sum insured specified in the insurance policy schedule, but not exceeding the maximum sum insured specified in the insurance policy schedule, in the event that the delayed arrival of a prior commercial flight is due to the following causes or events: 1. Unfavorable weather conditions at the aircraft transfer point or at the origin of the previous flight. 2. In the event of an accident on the previous flight. 3. Malfunction of the operating system of the flight equipment and/or engines of the previous flight.

Lost or damaged baggage is covered according to the conditions and coverage limit specified in the insurance plan.

Third parties are any individuals other than close relatives or family members of the insured, persons residing with the insured, employees of the insured while employed, and persons traveling with the insured. Coverage includes liability to third parties in cases of damage to third-party property, death, or injury to third parties. However, the insured must not agree to pay or accept liability without the company’s consent.

Coverage for loss or damage to luggage and/or personal belongings inside the luggage is provided up to the specified limit and for the duration of the coverage (this is not coverage per incident).

If the insured’s baggage arrives late due to the fault of public transport for at least 4 hours after the insured's arrival at the destination specified in the insurance policy schedule, according to Thailand time, coverage will be provided.

In the event that the insured rents a car for driving within the country and an accident occurs, and the insured is legally liable, they must compensate for the damage caused to the rented vehicle as a result of that accident. The company will pay compensation for the deductible for risks covered under the motor vehicle insurance policy during the rental period, which the insured has paid, but not exceeding the amount specified in the insurance policy schedule.

Required documents depend on the type of claim, such as a medical certificate, receipt, airline report, or event confirmation document.

Insurance claim channels: 1. File a claim online: https://epolicy.kpi.co.th/services/claim/general-claim/app. 2. Call 0 2624 1111 and press 2. 3. File a claim at a Krungthai Panich Insurance branch office. Send documents by mail: To: Krungthai Panich Insurance Public Company Limited (General Claims Department, 19th Floor) 1122 KPI Tower, Phetchaburi Road, Makkasan Subdistrict, Ratchathewi District, Bangkok 10400.

Initial documents include: 1. Travel insurance claim form (Click to download) (If claiming through the company website, a form is not required). 2. Copy of e-Ticket. 3. Copy of Invoice/Receipt showing the ticket price and insurance premium. 4. Copy of Passport and Copy of National ID Card.   Other documents categorized by type of damage: 1. Personal Accident Coverage 1.1 Copy of death certificate with certified copy stamp. 1.2 Copy of police report with certified copy stamp by the officer in charge of the case. 1.3 Copy of national identity card and house registration certificate stamped “deceased” of the insured, with certified copy stamp. 1.4 Copy of autopsy report with certified copy stamp. 1.5 Copy of the beneficiary’s national identity card and house registration certificate, with certified copies. 1.6 Medical report or medical certificate confirming total permanent disability or loss of limbs, or a copy of the disability card, with certified copies (in case of total permanent disability or loss of limbs). 1.7 Other documents, if requested. 2. Medical expenses due to accidents 2.1 Medical report or medical certificate specifying the cause, symptoms, and location of the injury. 2.2 Original receipts showing a list of expenses, or a summary report (summarizing all expenses) and receipts. 3. Trip Cancellation (Airfare Refund Claim) 3.1 Medical report or certificate stating the major condition preventing walking, diagnosis, and treatment. 3.2 Copy of the deceased’s death certificate. In the case of a death, a certified copy is required. 3.3 Original receipts showing expenses related to airfare. 3.4 Copy of birth certificate, marriage certificate, or other documents confirming the legal relationship if the cause involves a spouse, child, or relative. 4. In case of flight delays: 4.1 Boarding Pass. 4.2 Document from the airline stating the reason for the delay. 5. Loss or damage to luggage and personal belongings: 5.1 Property Irregularity Report or Police Report in case of theft. 5.2 Photographs of damaged property. 5.3 Receipts or proof of purchase, repair quotation for damaged property. 5.4 Baggage Tag or airline baggage claim card. 6. Reduction in travel days due to accident or illness 6.1 Medical report or certificate specifying the main symptoms, diagnosis, and treatment. 6.2 Copy of the death certificate of the deceased, if applicable, with a certified copy. 6.3 Original receipts showing expenses related to transportation fares. 6.4 Copy of birth certificate, marriage certificate, or other documents confirming the relationship in cases involving spouse, children, or relatives. 6.5 Copy of the receipt for ticket change fees from the airline, along with the boarding pass. 6.6 Copy of the receipt for the original airline ticket purchased for travel with [the airline name], along with the boarding pass. *The Company may request additional documents to support the claims process. **For online claims, please send the original documents to the company for consideration. Mail to: Krungthai Panich Insurance Public Company Limited (General Claims Department, 19th Floor), 1122 KPI Tower, Phetchaburi Road, Makkasan, Ratchathewi, Bangkok 10400, Thailand.

Claims will be reviewed and paid within 15 days from the date the Company receives all the necessary documents or information as requested by the policyholder. In cases of doubt, such as the need to investigate medical history, the review process may be extended to 90 days.