COVID-19 Insurance Online

Are you looking for an Inbound travel insurance covering COVID-19 expenses and valid to apply for the Thailand Pass? Look no more! The Go Thai inbound travel insurance perfectly fits your needs. Click the button below to know more.

Go Thai Inbound Travel Insurance

We would like to inform you that FWD together with Roojai have stopped selling new COVID-19 insurance policies. All current policies will still be valid until their expiration date.

Protect yourself and your loved ones from unfortunate medical diagnosis. Get a free quote for our additional health related products.

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Terms and Conditions for COVID-19 insurance
  1. Age of the insured can be 1-60 years old.
  2. Non-Thai nationality applicants must have resided in Thailand for at least 6 consecutive months prior to the policy effective date and have a work permit or a valid VISA.
  3. Cover side effects from COVID-19 vaccination registered with the Food and Drug Administration of the Ministry of Public Health of Thailand
  4. Cover side effects within 90 days after each vaccination
  5. This policy has a 14-days waiting period. The waiting period does not apply to the vaccination coverage
  6. Limited to 1 policy per person
What is NOT covered
  1. This policy does not cover those who contracted COVID-19 or are suspected of being infected before the policy effective date
  2. No coverage for COVID-19 (complications thereof) before the insurance policy effective date or for pre-existing conditions
  3. No coverage is provided in case the insured does not follow international travel advice by the WHO and Thailand travel advice by the Department of Disease Control of Thailand.
  4. Does not cover those with chronic obstructive pulmonary disease (COPD), chronic kidney disease (CKD stage 3,4),cardiovascular disease, cerebrovascular disease, uncontrollable diabetes

FAQ

Which is the insurance company underwriting this policy?

FWD General Insurance Public Company Limited

Who will not be covered by this policy?

  1. This policy does not cover those who contracted COVID-19 or are suspected of being infected before the policy purchase
  2. No coverage for COVID-19 (complications thereof) before the insurance policy effective date or for pre-existing conditions
  3. No coverage is provided in case the insured does not follow international travel advice by the WHO and Thailand travel advice by the Department of Disease Control of Thailand.
  4. Does not cover those with chronic obstructive pulmonary disease (COPD), chronic kidney disease (CKD stage 3,4),cardiovascular disease, cerebrovascular disease, uncontrollable diabetes

How old must the insured be?

Age of the insured can be 1-60 years old.

What is the coronavirus disease 2019 (COVID-19)?

Extract from the World Health Organization (WHO):

“Coronavirus disease (COVID-19) is an infectious disease caused by a newly discovered coronavirus.

Most people infected with the COVID-19 virus will experience mild to moderate respiratory illness and recover without requiring special treatment. Older people, and those with underlying medical problems like cardiovascular disease, diabetes, chronic respiratory disease, and cancer are more likely to develop serious illness.

The best way to prevent and slow down transmission is to be well informed about the COVID-19 virus, the disease it causes and how it spreads. Protect yourself and others from infection by washing your hands or using an alcohol based rub frequently and not touching your face.

The COVID-19 virus spreads primarily through droplets of saliva or discharge from the nose when an infected person coughs or sneezes, so it’s important that you also practice respiratory etiquette (for example, by coughing into a flexed elbow).”

What is covered for COVID-19 vaccination side effects?

This insurance plan covers complications arising from COVID-19 vaccination within 90 days after each vaccination.

What is covered for coma caused by COVID-19?

If during the insurance policy period, the insured gets diagnosed by a physician or specialist with coronavirus disease 2019 (COVID-19) for the first time and enters into a coma and/or a severe chronic obstructive pulmonary disease or end-stage lung disease as described in the policy wording, the company shall pay compensation in case the insured suffers from terminal illness caused by coronavirus disease 2019 (COVID-19) based on the sum insured as specified in the schedule and/or in the renewal warranty.

The diagnosis must be in accordance with the additional definitions of diagnosis and diagnosis date in the policy wording.

If the insured suffers more than one condition from terminal illness caused by coronavirus disease 2019 (COVID-19), the company will pay benefits only for one condition.

What is coma caused by COVID-19?

Coma is the anesthesia or anesthesia that is diagnosed by an internist. Or neurosurgeon and all the following characteristics were detected:

  1. No response to external stimuli for at least 96 hours.
  2. Must rely on lifesaving equipment to support life
  3. It was assessed as permanent brain damage. Resulting in a permanent incapacity to perform one of daily activities after 30 days of fainting or anesthesia

This does not include asphyxiation or anesthesia that is directly caused by drinking alcohol or drug abuse.

Does this policy cover medical staff?

Yes, if it does not fall under the prohibited conditions. This policy will not cover those who are already infected or suspected of having the coronavirus (COVID-2019) before the policy start date. We might check previous medical history records.

Does this policy cover people with disabilities?

Yes, if it does not fall under the prohibited conditions. This policy will not cover those who are already infected or suspected of having the coronavirus (COVID-2019) before the policy start date. We might check previous medical history records.

Does this policy cover people with diabetes and high blood pressure?

Yes, if it does not fall under the prohibited conditions. This policy will not cover those who are already infected or suspected of having the coronavirus (COVID-2019) before the policy start date. We might check previous medical history records.

What is the waiting period?

There will be a waiting period of 14 days. A waiting period is the amount of time an insured must wait before some or all of their coverage comes into effect. The insured may not receive benefits for claims filed during the waiting period.

The waiting period does not apply to the vaccination side effects coverage.

How to buy online?

  1. Read the details of the plan of your choice.
  2. Fill out the form, including start date, and beneficiary.
  3. Pay online and wait for the confirmation email.

Which payment methods are available?

You can pay online via credit or debit card, PromptPay, Rabbit Line Pay and True Money Wallet.

How to know that the insurance process has been completed?

After the payment, we will send a confirmation email and SMS with the transaction reference number. The policy will be active from your start date. After a few days, you will receive the policy documents from us.

When will the insured get their insurance policy documents?

Roojai will send you the policy via email and mail. Considering the vast volume of COVID-19 policies being requested, there might be some delays in the document processing. You will receive your policy documents within 14 days, while the digital documents will be immediately available in MyAccount. Be assured that your policy will be valid from the start date you selected.

Can the insured buy multiple policies?

Not for the same person. COVID-19 insurance is limited to 1 policy per beneficiary. One person cannot be covered from more than 200,000 baht for critical illness, and not over 10,000 baht for medical expenses.

What if the insured provides false information?

Concealing any facts or making false statements will result in this insurance contract being voidable, which may cause the Insurer to deny its liability under the insurance contract under section 865 of the Civil and Commercial Code

Who are the beneficiaries of the insurance policy?

The insured can specify the beneficiary. In the event of the insured's death, the company shall pay for the beneficiary named in the schedule and/or in renewal warranty.

What is the coverage of medical expenses while hospitalised due to COVID-19?

If the insured gets diagnosed with coronavirus disease 2019 (COVID-19) for the first time and needs to be admitted as an in-patient in a hospital or medical facility to receive medical treatment needed with medical standards, the company shall pay compensation based on the actual amount the insured paid, not exceeding the sum insured as specified in the schedule.

How to claim for coma caused by COVID-19?

The insured, beneficiary, or representative of such person, depending on circumstances, must submit the following documents or evidence at their own expense to the company within 30 days from the date of getting out from hospital or medical facility.

  1. The company’s completed claim form
  2. Medical reports that identify symptoms, coma caused by COVID-19, the results of diagnosis and medical treatment
  3. A copy of ID card of the insured
  4. Other documents requested by the company as necessary (if any)

Delay in such submission shall not result in rejection of liability by the company.

How to claim medical expenses while hospitalised due to COVID-19?

The insured, beneficiary, or representative of such person, depending on circumstances, must submit the following documents or evidence at their own expense to the company within 30 days from the date of getting out from hospital or medical facility.

  1. The company’s completed claim form
  2. Medical reports that identify symptoms while hospitalised, the results of diagnosis and medical treatment
  3. A copy of ID card of the insured
  4. Original receipt showing expenses or summary statement with receipt
  5. Other documents requested by the company as necessary (if any)

Will the insurance policy provide coverage for asymptomatic or mild symptoms?

The policy provides coverage for medical expense for hospitalised in-patients based on conditions and symptoms of medical necessity in accordance with the Ministry of Health's guideline. The current guidelines are as follows:

  • Having a fever of over 39°C for more than 24 hours
  • Breathing rate is more than 25 times per minute (for adults)
  • Oxygen saturation is below 94%
  • Having underlying disease, which requires close monitoring as per doctor’s diagnosis
  • Shortness or difficulty to breath, lethargy, decreased food intake (for children)

Will the insurance policy provide coverage for quarantine expenses?

No, the policy provides coverage only for in-patient medical expenses due to COVID-19, in accordance with the Ministry of Health's medical guidelines.

Who is eligible to use the medical expenses coverage without advance payment upon being admitted to a hospital as an in-patient?

A patient will be entitled to use the medical expenses coverage without advance payment if diagnosed with COVID-19 infection and presenting one or more of the 5 indicative symptoms, whether severe symptoms or mild/asymptomatic as per Ministry of Health's medical guidelines. They will need to present their Roojai Care Card and identification document to use this benefit.

If I am not entitled to use medical expenses coverage without advance payment, can I claim for reimbursement?

You can submit your COVID-19 insurance claim and we will review the claim in accordance with the policy terms and conditions.

How to contact us?

Customer service 02 582 8855