Simple, affordable hospitalization cover across Thailand's largest private hospital network.

Smarter Health Plus by Allianz Ayudhya — Thailand Hospitalization Insurance for Individuals & Families

World's No.1 insurance brand (Interbrand, 5 years running)

490+ hospitals and clinics network in Thailand

4 plans from THB 17,112/year

Coverage up to 5,000,000 THB per policy year

Entry age from 15 days

10% no-claim premium refund

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SBC-2563 Co., Ltd. Licensed Insurance Broker · OIC Thailand

Choose your Smarter Health Plus plan

4 plans, one goal: affordable hospitalization cover

Plan 1

starts from

17,112 THB

per year

750,000 THB annual limit
Room & board up to 4,000 THB/day
Personal Accident 100,000 THB

Plan 2

starts from

19,927 THB

per year

1,500,000 THB annual limit
Room & board up to 5,000 THB/day
Optional OPD add-on

Plan 3

starts from

22,169 THB

per year

3,000,000 THB annual limit
Room & board up to 6,000 THB/day
Optional OPD add-on

Plan 4

starts from

23,688 THB

per year

5,000,000 THB annual limit
Room & board up to 7,000 THB/day
Entry from 15 days old
Optional OPD add-on

Coverage / Feature	Plan 1	Plan 2	Plan 3	Plan 4
Annual limit	Plan 1 750,000 THB	Plan 2 1,500,000 THB	Plan 3 3,000,000 THB	Plan 4 5,000,000 THB
Room & board / day	Plan 1 4,000 THB	Plan 2 5,000 THB	Plan 3 6,000 THB	Plan 4 7,000 THB
ICU / day (max 15 days)	Plan 1 8,000 THB	Plan 2 10,000 THB	Plan 3 12,000 THB	Plan 4 14,000 THB
Personal Accident	Plan 1 100,000 THB	Plan 2 100,000 THB	Plan 3 100,000 THB	Plan 4 100,000 THB
Optional OPD	Plan 1 1,000–2,500 THB tiers	Plan 2 1,000–2,500 THB tiers	Plan 3 1,000–2,500 THB tiers	Plan 4 1,000–2,500 THB tiers
Entry age	Plan 1 11 y.o.+	Plan 2 11 y.o.+	Plan 3 11 y.o.+	Plan 4 15 days – 65 y.o.

Smarter Health Plus

Best for Budget-conscious individuals and families who need straightforward hospitalization cover within Thailand.

Advantages

Lowest entry price in the Allianz range
10% no-claim premium refund
Entry from 15 days old (Plan 4)

Limitations

Thailand-only
No dental/optical/maternity
No deductible option
Not on Allianz's Long-Stay-Visa compliant list

Need coverage outside Thailand?

Need worldwide coverage, visa-compliant plans, or family discounts? Check out Superior Health Plus & FlexCare.

Explore Worldwide Plans

Download Brochures

Get detailed information about Allianz Ayudhya Smarter Health Plus in English or Thai

Smarter Health Plus Brochure

English version · PDF · ~540 KB

Download (EN)

Smarter Health Plus Brochure

Thai version · PDF · ~501 KB

Download (TH)

ALLIANZ AYUDHYA: CONTACT INFORMATION

Head Office Address:
1st Floor, Ploenchit Tower, 898 Ploenchit Road, Khwang Lumpini
Khet Pathumwan, Bangkok 10330, Thailand

Phone: 1292 (24 hours — “Rhythm of your life”)
International: +66 2677 0000
Website: www.allianz.co.th
Allianz Ayudhya is part of the global Allianz Group, founded in 1890 and named the world’s No.1 insurance brand by Interbrand for five years in a row. The company offers Life, Health, Property, Motor, Travel and SME insurance in Thailand, serving more than 2 million customers through 1,400+ employees.

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Discounts

Smarter Health Plus premium benefits

No-claim discount — 10% Premium refund if no claim is made during the policy year
Family discount — not available Each family member gets their own individual policy

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Get the answers you're looking for

What does Smarter Health Plus cover?

Hospitalization (inpatient) treatment in Thailand, including:

Room & board and ICU
Medical practitioners' fees
Surgery and medical procedure fees, incl. day surgery
Personal Accident benefit — 100,000 THB
Optional Outpatient (OPD) add-on available

What is the maximum entry age?

Plans 1–3: from 11 years old
Plan 4: from 15 days old
Buy before age 60 + renew continuously → lifetime renewal
Buy after age 60 → renewable until age 80

Can I include my family in the policy, and what discount applies?

Yes, each family member gets their own policy. No family discount on Smarter Health Plus, but you get a 10% premium refund if no claim is made during the policy year.

Is coverage available worldwide, or only in Thailand?

Thailand only.

Is there a waiting period?

General sickness: 30 days from policy start
Specific conditions (tumors, cysts, cancer, hernias, cataracts, tonsillectomy, stones, varicose veins, endometriosis, etc.): 120 days
Emergency surgery unrelated to a pre-existing condition: no waiting period

How do I file a claim (cashless vs. my health app), and how long does reimbursement take?

Cashless: treat at any of the 490+ network hospitals/clinics — no upfront payment
Reimbursement: submit via the Allianz health app or customer service for non-network providers
Processing time depends on documentation — our consultant can confirm current turnaround

Do I need a plan with worldwide coverage instead?

Need coverage outside Thailand, visa-compliant plans (O-A/O-X/LTR), or family discounts? → Check out Superior Health Plus & FlexCare

[email protected]

+66 81 756 2392

for SENIORS abroad

Life insurance

for FAMILY abroad

Travel insurance

for INDIVIDUALS abroad

Motor insurance

Smarter Health Plus by Allianz Ayudhya — Thailand Hospitalization Insurance for Individuals & Families

Choose your Smarter Health Plus plan

Plan 1

Plan 2

Plan 3

Plan 4

Smarter Health Plus

Need coverage outside Thailand?

Download Brochures

Smarter Health Plus Brochure

Smarter Health Plus Brochure

What our beloved clients say

Apply for a policy

Discounts

Get the answers you're looking for

MEDICAL INSURANCE SOLUTIONS FOR ALL ABROAD:

APPLY FOR A POLICY:

REFERRAL PROGRAM:

CONSULTATION:

CONTACT US:

[email protected]

+66 81 756 2392

Smarter Health Plus by Allianz Ayudhya — Thailand Hospitalization Insurance for Individuals & Families

Choose your Smarter Health Plus plan

Plan 1

Plan 2

Plan 3

Plan 4

Smarter Health Plus

Need coverage outside Thailand?

Download Brochures

Smarter Health Plus Brochure

Smarter Health Plus Brochure

What our beloved clients say

Apply for a policy

Discounts

Get the answers you're looking for

MEDICAL INSURANCE SOLUTIONS FOR ALL ABROAD:

APPLY FOR A POLICY:

REFERRAL PROGRAM:

CONSULTATION:​

CONTACT US:

CONSULTATION: