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1. Answer a few questions
Tell us about your age and occupation to receive an instant quote.
2. Customise your coverage
Adjust benefits such as medical expenses and daily cash compensation.
3. Buy online and get covered
Pay securely online and receive your e-policy immediately.
What is personal accident insurance?
Personal accident insurance provides financial protection if you are injured, disabled, or killed due to an accident. It covers 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.This type of insurance focuses only on accident-related incidents, unlike health insurance which also covers illness and disease.
Who can buy Roojai personal accident insurance?
- Coverage available for ages 1–65
- Renewable until the age of 74
- Suitable for individuals, employees, travelers, and active lifestyles
What does personal accident insurance cover?
In-patient (IPD) coverage
- Accident-related medical expenses
- Daily hospital cash compensation (up to 10 days per accident)
Out-patient (OPD) coverage
- Accident-related medical treatment without hospital admission
Personal accident benefits
- Accidental death
- Dismemberment or loss of organs
- Loss of sight
- Total or permanent disability
- Loss of hearing, speech, fingers, or toes
Optional coverage add-ons
Customise your policy with additional protection for higher-risk lifestyles:
- Accidents while travelling or riding on a motorcycle
- Accidents caused by assault or murder
- Injuries from dangerous or extreme sports
Compare personal accident insurance plans
Roojai offers 5 personal accident insurance plans, designed to suit different budgets and protection needs. Each plan provides a different sum insured, and you can further enhance your coverage with optional add-ons.
| Saving plan | Popular plan | Caring plan | Value plan | Protect plan |
|---|---|---|---|---|
| Sum insured ฿100,000 |
Sum insured ฿300,000 |
Sum insured ฿500,000 |
Sum insured ฿1,000,000 |
Sum insured ฿2,000,000 |
Easy and secure to pay online through 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 02 080 9195 if you have any questions.
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 policyholders can receive medical treatment for accidents without having to make an advance payment according to the sum insured in the policy at over 600 network hospitals across Thailand.
Find network hospitals
Terms and conditions for Roojai personal accident insurance
Download documentsPersonal accident insurance frequently asked questions
Why do you need personal accident insurance?
A personal accident insurance plan can provide insurance coverage that help cover expenses resulting from unexpected accidents. With this type of cover, you can enjoy cashless treatment at network hospitals after 60 days from the policy start date. If you visit any non‑network hospitals or your policy has not yet reached 60 days, you may need to pay the medical expenses upfront and later submit the required documents for reimbursement.
When compared to health insurance policies, this may cover accident-related expenses, but often only to a limited degree or may not cover the full expense depending on the type of accident. 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, such as extreme sports, travelling on a motorcycle, or riding a motorcycle.
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 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 much does personal accident insurance cost?
Roojai offers a customised insurance policy to each customer. The cost starts at THB 75* per policy and may go up higher, depending on your lifestyle, risk level, and coverage needs. Get your personalised quote, along with the coverage add-ons that suit your requirements.
*The starting premium information is updated as of Feb 2026.
What are the different payment plans?
Annual payment plan
- The annual premium is paid upfront before the coverage begins.
- Coverage starts on the date specified in the policy schedule.
Monthly payment plan
- The first instalment is paid upfront before the coverage begins.
- Following instalments must be paid within 30 days of the due date.
- The minimum premium required is THB 1,200.
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 ten (10) 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.
How to contact Roojai?
Send us a message to contact us. Or customer service 02 080 9195
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. |
Updated Date 24 April 2026