HEALTH · Insurance · Free health insurance estimator
Estimate a Suitable Health Insurance Coverage Limit
Estimate a coverage amount based on your preferred hospital tier and income, with the goal of keeping premiums affordable.
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Initial estimate
This result is generated in your browser. Review the calculation method and limitations alongside it.
What does this health insurance estimator do?
Suggested premium limit
Healthy Premium RuleA way to reduce premiums by 30–50%
Deductible StrategyWhat this health insurance estimator estimates
- Suggested lump-sum coverage based on hospital tier
- Suggested annual premium range (8–15% of income)
- Suggested maximum average monthly premium
- A deductible option to consider when managing premiums
Health insurance estimate method
The estimate uses financial planning standards, a premium level of no more than 10–15% of annual income, and average lump-sum medical costs in Thailand.
Free estimates versus personalized insurance advice
This free tool provides preliminary guidance on balancing a premium budget and coverage. It does not sell insurance or commit you to a product.
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Frequently asked questions about health insurance
Why keep health insurance premiums below 10–15% of income?
Health insurance premiums are an ongoing expense and may rise with age. Starting with premiums that are too high could make them harder to maintain later.
What is a deductible?
A deductible is the initial amount of medical costs you pay yourself (or through employer benefits) before insurance covers the remainder. A deductible can reduce premiums by 30–50%.
Does this health insurance estimator cost anything?
No. You can use the tool without creating an account.