Online Personal Accident Insurance in Thailand

Customise plan and insurance coverage depending on your lifestyle

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Get a personal accident insurance quote online with Roojai Insurance in Thailand
Find the best personal accident insurance coverage customisable to fit your lifestyles

Where to find the best Personal Accident Insurance?

The best personal accident insurance allows you to customise your insurance policy and coverage based on your lifestyle and should be accepted anywhere, regardless of which hospital or hospital network you choose for your medical treatment. Roojai has created a product just like this to give you peace of mind with a variety of features such as:

  1. Insured person can be any age between 1-65 years old (the policy can be renewed until the age of 74)
  2. Fast insurance quote by just answering a few questions
  3. Customised plan and insurance coverage with one click
  4. Optional daily cash benefit while hospitalised due to an accident
  5. Coverage for accident related medical expenses
  6. Optional insurance coverage for travelling on or riding a motorcycle, competing or participating in an extreme sport, or getting assaulted or murdered
  7. Partial tax deduction, depending on the taxation law

Personal Accident Insurance Plans and Coverage


  • Accident related medical expenses
  • Daily compensation while in hospital (up to 20 days per accident)


  • Accident related medical expenses

Personal Accident

  • Accidental death, dismemberment, loss of sight or total permanent disability
  • Loss of hearing, speech, fingers, and toes
  • Coverage while riding or travelling on a motorcycle
  • Coverage if assaulted or murdered
  • Coverage for dangerous sports
Personal Accident Insurance Plans and Coverage

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Our goal is to provide affordable personal accident insurance premiums with the highest level of protection and quality service that customers can trust. This is proven by our 4.9/5 customer satisfaction score and 4.7/5 claim satisfaction score from real customers.

Best personal accident insurance in Thailand guaranteed by Roojai customer reviews

Easy and secure to pay online through credit/debit card

Pay your PA insurance online through a credit/debit card

Read the full plan details, assess your risk, and choose the right insurance coverage for yourself.
Do not hesitate to contact us at 02 582 8855 if you have any questions.

Roojai PA insurance - present your digital Roojai Care Card to receive medical treatment for personal injury

Exclusive privileges for Roojai customers

Simply present your digital Roojai Care Card and ID card/passport to receive medical treatment without advance payment*

*The cashless option will be available after 60 days from the policy start date for medical expenses.

Roojai network hospitals

Roojai personal accident insurance customers can receive medical treatment for accidents without having to make an advance payment according to the sum insured in the policy at over 400 network hospitals across Thailand.

Find network hospitals
Roojai network hospitals

Terms and Conditions for Personal Accident Insurance

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Personal Accident Insurance FAQs

What is personal accident insurance?

Personal accident insurance is a form of protection that provides insurance coverage in the form of medical expense reimbursement and partial income compensation in the event of an unexpected accident that results in a personal injury, broken bones, disability, death or other forms of physical trauma.

Why do you need personal accident insurance?

A personal accident insurance plan can provide coverages which can help you manage potential out-of-pocket costs related to accidents. People with existing health insurance may wonder if they need personal accident insurance as well. In reality, health insurance policies may cover accident-related expenses, but often only to a limited degree or may not cover the expenses at all depending on the type of accidents. Personal accident insurance policies can provide better coverage in case of accidents with higher sum insured than health insurance policies. Additionally, personal accident insurance can cover specific activities that are not covered by health insurance, for example, extreme sports, travelling on a motorcycle, or riding a motorcycle.

How many types of Personal Accident Insurance are available?

Roojai offers 5 different kinds of personal accident insurance plans, from budget-friendly options to comprehensive coverage. You can also customise your plan further with extra coverage add-ons to suit your specific needs. Our flexible options cater to everyone, from the adventurous thrill-seeker to the homebody who prioritizes everyday security. We provide flexibility for you to choose the plan that best suits your needs and ensure your financial well-being is protected, see more details below;

Saving plan Popular plan Caring plan Value plan Protect plan
Sum insured
Sum insured
Sum insured
Sum insured
Sum insured

What are the features of personal accident insurance coverage?

Aside from multiple types of insurance plan available, you can also further customise your personal accident insurance coverage to fit your unique lifestyle. With additional coverage offering protection based on your preference. Customisations include:

  • Loss of hearing, speech, fingers, and toes.
  • Medical expenses per accident.
  • Daily compensation while in hospital. (up to 20 days per accident)
  • Coverage while riding or travelling on a motorcycle.
  • Coverage if assaulted or murdered.
  • Coverage for dangerous sports.

Which insurance company is underwriting this policy?

AXA Insurance Public Company Limited

What accidents or injuries are covered by accident insurance?

Your policy will cover you for most forms of personal injury resulting from accidents while in a car or in other situations. However, there are certain conditions or lifestyles such as diving with oxygen tank and breathing equipment under water, that are not covered by the most basic plan and you may need to customise your insurance policy to include additional protection.

What additional coverage is available?

  • Covered while riding a motorcycle
  • Covered if assaulted or murdered
  • Covered while practicing a dangerous or extreme sport

What are dangerous and extreme sports?

Any kind of boat or car racing, horse racing, ski racing including jet-ski, skate racing, boxing, parachute jumping (except for the purpose of life saving), boarding or travelling in a hot-air balloon, gliding, bungee jumping, diving under water with an oxygen tank and breathing equipment.

How old must the applicant be?

1-65 years old on the date of the application (the policy can be renewed until the age of 74).

How to buy personal accident insurance online with Roojai?

  1. Answer the health questions on our website
  2. Read the details of the plan of your choice
  3. Fill out the form, including the start date and the beneficiary
  4. Pay online and wait for the payment confirmation email.

Which payment methods are available?

You can pay for your personal accident insurance using Credit card or debit card

How much does personal accident insurance cost?

Roojai offers a customised insurance policy to each customer. The cost starts at 61 baht per policy and may go up higher, depending on your lifestyle and coverage needs. Get your personalised quote, along with the coverage add-ons that suit your requirements.

What are the different payment plans?

Annual payment (for telesales and online sales)

  • The premium is paid in full before the insurance coverage starts.

What are personal accident insurance income tax benefits?

The insurance premium is eligible for partial tax deduction, depending on the taxation law.

How to find out if your insurance process has been completed?

After the payment, we will send a payment confirmation email and SMS with the insurance policy number. The policy will be active from your chosen start date. All your documents are available online 24/7 in MyAccount and after a few days, you will receive the physical copies of your insurance policy documents, if requested.

When can you expect to get the physical copies of your insurance policy documents?

If requested, Roojai will send you the policy via mail. We will send the documents to the address you indicated within 14 working days after the policy has been issued.

Can you buy multiple PA insurance policies?

One insured person may buy only one personal accident insurance policy for themselves.

What if you provided false information?

Concealing any facts or making false statements will result in your insurance contract being voided, 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 in the insurance policy?

You can specify a primary beneficiary or multiple beneficiaries. In case of death, the company shall pay the beneficiaries named in the schedule. If there are no beneficiaries named in the schedule, the company shall pay the heirs.

How much coverage does the policy provide for daily income compensation while hospitalised?

Your policy will provide a daily cash benefit while you are hospitalised and unable to work. The daily income compensation is limited to twenty (20) days per accident while you are in the hospital.

How do I use my insurance once I’ve had an accident?

When you experience a personal injury and you have to visit a hospital or medical clinic for treatment, you will need to save all your medical diagnosis documents and receipts in order to make an insurance claim for compensation of advance payment. The company will promptly pay out compensation within the time specified in your policy schedule. By choosing a policy with compensation rather than sum payments, you are able to visit any hospital or hospital network throughout the country for your medical treatment and still receive the same level of coverage.

How to make a personal accident insurance claim?

  • Claim for compensation – The insured person, the beneficiary, or their representative must submit the needed evidence to the company at their expense.
  • Claim for death or dismemberment compensation – The evidence must be submitted within 30 days from the date of the insured person’s death or dismemberment.
  • Claim for other compensation – The evidence must be submitted within 180 days from the date of the accident. (A late insurance claim may be accepted if there is a rational explanation of why it was impossible to claim within the specified period).*

How does the company pay the compensation?

The company will pay the compensation within 15 days from the day that the company received the complete and correct documentation. The company will pay the death compensation to the beneficiaries, and other forms of compensation will be paid to the insured person.

If there is suspicion that the insurance claim does not comply with the terms and conditions specified in the policy, the compensation payment period may be extended as necessary, but not over 90 days from the date the company has received the complete and correct documentation.

If the company cannot pay the compensation within the specified period, the company will be liable to pay interest at the rate of 15 per cent per annum of the amount to be paid from the payment due date.*

*Please read the full details in the policy wordings.

Terms and conditions as specified by AXA

How to contact Roojai?

Send us a message to contact us. Or customer service 02 582 8855

Useful tips when considering to buy personal accident insurance

  • Customise your plan - Personalise coverages to meet your needs. For example, add coverage on medical expenses and daily compensation while in hospital if you feel you have higher risks of major accidents. For minor accidents, you can also add coverage for medical expenses per accident, as appropriate.
  • Find a balance between affordability and coverage - Look for a policy that offers the coverage you need at a reasonable price. Review rates for different plans. Consider the insurer’s record for settling claims promptly as well as their network hospitals.
  • Choose an e-policy – You can get your policy documents sent instantly to your email with e-policy option
  • Download the Roojai mobile app – you will be able to make instant claims as well as check all your policy details. Anywhere, anytime.

Personal accident insurance definitions

Accident An unexpected and sudden event caused by outside factors that leads to injury or property damage, which the insured did not intend or foresee.
Beneficiary A person that is designated to receive benefits from insurance coverage. In the event that the insured dies, the insurance company will pay compensation to the beneficiary named in the policy.*
Exclusions Events or situations not covered by the policy. Examples might include accidents due to self-harm, war, or participation in excluded sports or events.