Get cancer insurance quote online in 3 simple steps
1. Complete a quick questionnaire
The application process requires only a short health questionnaire. Medical examinations are not required.
2. Select your coverage level
Choose a customisable plan with lump-sum coverage of up to 3,000,000 THB based on your protection needs.
3. Purchase online and receive your policy
Payment can be made securely online, and policy documents are issued electronically after completion.
What is cancer insurance?
Cancer insurance is a specialised protection policy that provides financial support if the insured is diagnosed with cancer during the policy period. Coverage applies regardless of whether the illness is related to personal lifestyle factors, while excluding pre-existing conditions and cancer symptoms that appear before or during the waiting period as specified in the policy. A cancer insurance policy pays a lump-sum benefit, which may be used to cover medical expenses, treatment-related costs, and income loss resulting from the diagnosis.
Why consider cancer insurance in Thailand?
According to the 2024 national mortality data derived from death certificates, cancer was identified as the leading cause of death in Thailand. Other major causes of death reported in the same year included cerebrovascular disease, pneumonia, ischaemic heart disease, and land transport accidents.
Cancer treatment often involves long-term care and significant costs. While health insurance may cover medical treatment, additional expenses such as income interruption or extended care may not be fully covered. Cancer insurance helps address these financial gaps by providing a lump-sum payout upon diagnosis.
What does cancer insurance cover?
Roojai cancer insurance provides coverage for most cancer types, whether diagnosed at an early or advanced stage, subject to the policy terms and conditions. Coverage limits depend on the selected plan.
Covered cancer types
The policy provides lump-sum benefits for:
- All cancer types at any stage, including malignant melanoma, with coverage of up to THB 3,000,000, depending on the plan
- Non‑invasive cancers and carcinoma in situ, subject to policy definitions
- Invasive cancers, including blood and bone marrow related cancers
- Skin cancer (excluding malignant melanoma), with coverage of up to THB 300,000, depending on the plan
How does the cancer insurance pay out after a first cancer diagnosis?
If the policyholder is diagnosed with cancer for the first time and the diagnosis is confirmed by a qualified medical specialist, the insurer will pay out the lump sum stated as specified in the policy. The diagnosis must occur after the 90‑day waiting period and within the active coverage period of the policy.
Exclusions and limitations
Certain conditions are excluded from coverage, including:
- Pre-existing conditions or congenital conditions
- Symptoms or diagnosis of cancer during the first 90-day waiting period
- Treatment, chronic disease, or complications resulting from plastic or reconstructive surgery
Cancer insurance plans from Roojai
Roojai offers four cancer insurance plans, allowing you to select coverage levels that align with your financial planning objectives and risk profile.
Coverage overview
- Lump-sum benefit payable upon cancer diagnosis
- Coverage for all stages and types of cancer
- Separate benefit limits for skin cancer
| Value Plan | Standard Plan | Recommended Plan | Premium Plan | |
|---|---|---|---|---|
| Sum Insured | 500,000 | 1,000,000 | 2,000,000 | 3,000,000 |
| Skin Cancer Coverage | 50,000 | 100,000 | 200,000 | 300,000 |
| Starting Insurance Premium | 14 / month | 27 / month | 54 / month | 80 / month |
Key benefits of Roojai cancer insurance
- Coverage applies to any cancer type and stage (as specified in the policy)
- Lump-sum payment upon confirmed diagnosis
- Eligible entry age from 18 to 60 years, with renewal available up to age 65
- Premiums may be eligible for personal income tax deduction up to THB 25,000 THB, subject to applicable tax regulations
Easy and secure online payment via credit or debit card
Please read through the full plan details, assess your risk, and choose the right coverage for yourself
Do not hesitate to contact us at 02 080 9195 if you have any question.
Cancer Insurance FAQs
Where to buy cancer insurance with Roojai?
You can buy your insurance policy online through our website, call 02 080 9195 to talk to our award winning customer service or buy in person at one of our branches
How to buy cancer insurance with Roojai?
- Answer the health questionnaire on our website and get a quote
- Read the details and choose your preferred plan
- Fill out the form, including the start date and the beneficiary
- Pay online and wait for our staff to contact you to confirm your information or wait for the payment confirmation email.
Which payment methods are available?
You can pay for your cancer insurance premium using one of the following methods:
Credit card or debit card
How much does cancer insurance cost?
Roojai cancer insurance premiums start from less than THB 1 / day, depending on your chosen coverage.
What are the conditions of the waiting period?
Roojai will not pay compensation if the insured is medically diagnosed with cancer during the first 90 days after the policy start date. The company will refund all the received premium to the insured.
Does the insured need to have a health check-up?
The insured does not need to have a health check-up. Apply easily by just answering a health questionnaire. (If the information provided is found to be inaccurate, Roojai is entitled to increase the insurance premium or terminate the policy.)
Can cancer insurance be deducted on taxes?
Premium payment is eligible for up to THB 25,000 tax deduction, depending on the taxation law.
When does the insurance policy become effective after purchase?
The policy will be effective on the date specified in the policy schedule.
Does this insurance policy cover cancer medicine?
Most cancer insurance policies provide a lump-sum payment when the insured is diagnosed with cancer. The lump-sum payment can be used to pay for any necessary medical treatment to help recover from cancer, including cancer medicine and chemotherapy.
How to cancel the insurance policy?
The insured will need to contact Roojai in order to process the policy cancellation:
- In the case of Telemarketing, the policy can be canceled without charges within 30 days (Freelook Period) from the date of receiving the policy.
- In the case of purchase through an online channel, the policy can be canceled without charges within 15 days (Freelook Period) from the date of receiving the policy.
How to contact us?
Customer service 02 080 9195
Terms and Conditions for Cancer Insurance
- Purchase is limited to 1 cancer policy per person.
- You are able to cancel the policy without charges within 30 days (TELEMARKETING) OR within 15 days (ONLINE MARKETING) from the date you receive the policy (Freelook Period).
- You should always read through the details of your coverage and conditions before deciding to buy insurance.
What is NOT Covered by Cancer Insurance? (Coverage Exceptions)
- Critical illness that has been diagnosed, treated, or advised by a physician before the first-year policy start date (Pre-existing condition).
- Critical illness that is diagnosed during the first 90 days after the policy start date specified in the schedule (Waiting Period).
Updated Date 16 April 2026