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  <h2 style="margin-top: 0;margin-bottom: 0;font-size: 20px;line-height: 25px;">What you need to apply</h2>
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    <p style="margin-top: 0;margin-bottom: 0;">Thai National ID</p>
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    <p style="margin-top: 0;margin-bottom: 0;">Prepare to take a selfie with an ID card to verify identity</p>
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    <p style="margin-top: 0;margin-bottom: 0;">Prepare credit card or banking applications to make payments.</p>
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  <p style="margin-top: 8px;font-size: 14px;font-weight: 450;color: #636566;">Monthly payment mode only offers credit card option.</p>
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<p style="margin-top: 0;margin-bottom: 0;">Buyers should understand the details, coverage, and conditions before making a decision to purchase insurance.</p>

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Add extra life insurance coverage for full protection with the convenience of a single application and payment process

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Tax residency is defined by each country’s local tax laws and may vary from that of another country. As such, it is possible for a person to be considered a tax resident in more than one country. We are unable to provide you any tax advice, you may wish to consult a tax advisor or contact the relevant tax authorities for advice.

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Max. 700 days/admission for 7 serious illnesses

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<div>Don't worry about forgetting to pay your next insurance premium; enjoy congoing coverage and continuous eligibility for tax deductions.</div>

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<p>With health insurance, you have the freedom to choose your own doctor and hospital without being limited to a specific facility based on basic rights, which means no waiting in lines. And you won't have to pay extra if your existing welfare coverage is insufficient for prolonged treatments.</p>

<p>Lump-sum Health Insurance for IPD offers unlimited treatment fees per time, covering doctor's fees, medicine fees, and surgery fees. There's no need for complicated expense separation, as room fees are reimbursable for up to 365 days. The plan provides a lump-sum payment of up to 1,500,000 baht per year.</p>

Annual health insurance provides coverage for hospital admission with an unlimited lump-sum payment

<p>Lump-sum Health Insurance comprehensively covers OPD follow-up fees, doctor’s fees for both pre- and post-hospital admission, ongoing treatment expenses after hospitalization, minor surgeries, Day Surgery, and accidents. With a lump-sum payment covering the actual cost of treatment, you can have peace of mind without any financial worries.</p>

Lump-sum payment for pre- and post-treatment examinations

<p>Simply answer the health questions honestly, apply for health insurance online through Easy E-Health, and gain immediate coverage. This includes death coverage of up to 150,000 baht. Additionally, if you maintain good health with no illnesses or claims in a given year, you'll be eligible for a 10% discount on the following year's health insurance premiums.</p>

Buy online, no need for a health check, and get 10% cashback if no claims.

<p>Upgrade your health insurance plan with the OPD+ plan. In case of mild illness, you can see a doctor, get medicine, and use the FWD Care Telemedicine service – consult with a doctor online, without advance payment.</p>

Add extra outpatient packages as desired

<p>Insurance premiums for life coverage can be used for a tax deduction, with a maximum limit of 100,000 baht. Additionally, health insurance premiums can also be used for a tax deduction, up to a maximum of 25,000 baht (not exceeding 100,000 baht in total).</p>

Get full tax deduction for both life and health coverages.

Product highlights 

<div style="max-width: 560px;max-height: 315px;margin: 0 auto;"><iframe width="100%" height="315" src="https://www.youtube.com/embed/AlBVkVnANrw" srcdoc="<style>*{padding:0;margin:0;overflow:hidden}html,body{height:100%}img,span{position:absolute;width:100%;top:0;bottom:0;margin:auto}span{height:1.5em;text-align:center;font:48px/1.5 sans-serif;color:white;text-shadow:0 0 0.5em black}</style><a href=https://www.youtube.com/embed/AlBVkVnANrw><img src=https://img.youtube.com/vi/AlBVkVnANrw/hqdefault.jpg alt='ประกันสุขภาพออนไลน์ Easy E-Health'><span>▶</span></a>" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen="" title="ประกันสุขภาพออนไลน์ Easy E-Health"></iframe></div>

Comparison between the coverage level

/health-insurance/easy-e-health/ - dynamic comparison table

Promotions

Pay day

<p><em><strong>Promotion valid from February 19-28, 2025</strong></em></p><p><strong>Purchase Easy E-Health , Lump-sum Health Insurance</strong></p><p>✅ Enjoy 12% discount for first-year premium by simply entering 'health12' in the promotion box</p><p>✅ Apply THB 1,000,000 sum assured plan, get Shopee code valued THB 500</p><p>✅ Apply THB 1,500,000 sum assured plan, get Shopee code valued THB 1,000</p><p>Enjoy 0% installment up to 10 months via credit card; CardX, KBank, KTC, Krungsri credit card, Krungsri First Choice, BBL, Citibank, TTB and UOB</p><p><a href="#" data-content-type="shared_content_container" data-content-id="bltb1cf31f5142fd588" data-display-type="modal" target="_self"><u>Click to read promotion terms and conditions</u></a></p>

Issue age

Premium payment period

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Premium of life insurance plan is entitled to annual tax deduction up to THB 100,000. A health insurance premium, up to a maximum of THB 25,000, is eligible for personal income tax deduction. However, the deduction for this premium together with the life insurance premiums paid cannot exceed THB 100,000 in total.

Tax deduction

<p>1. The insurer is accountable for maintaining maximum benefits through ongoing insurance interest payments.</p>
<p>2. You have the right to cancel the policy during the free look period of 15 days from the date of receipt of the policy, free of charge.</p>
<p>3. If you cancel the policy before the contract expires, you will receive the policy surrender value, which is less than the premium you paid.</p>
<p>4. Buyers should understand the details, coverage, and conditions before making a decision to purchase insurance.</p></br>  

Policy conditions

Please refer to terms & conditions documents below.

Terms & Conditions

Policy details and conditions

<p></p><ul><li>Policyholders can renew up to the age of 79, with a coverage period extending up to the age of 80.</li><li>Guaranteed Renewal: The insured may renew this insurance policy upon its expiration each year until reaching the age of 79, in accordance with the insurance policy renewal cycle.</li><li>By paying premiums on or before the completion of the insured period or within the grace period (31 days) from the due date for premium payment, FWD will continue to provide coverage for death and cancer-related illnesses as specified in this policy.</li></ul>

Policy renewal

Buyers should understand the details, coverage, and conditions before making a decision to purchase insurance. Download policy provisions to read the definition of <span>E-Health Eco.</span><br />
<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 16px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;background-color: rgb(254, 249, 244);text-align: left;">
  <div style="display: inline-block;font-weight: bold;text-align: left;background-color: rgb(254, 249, 244);margin-left: 2px;width: 100%;">
    <p style="color: rgb(24, 48, 40);"><a href="/ec/assets/v3/assets/blt331c1aa12dcfd37a/blt884a93c4f0c31749/662018cc190a25fd3dbc6de8/termcond-easy-e-health-500K.pdf" target="_blank"><span><strong></strong></span><img style="width: 16;height: 16;vertical-align: bottom;" src="https://images.contentstack.io/v3/assets/blt331c1aa12dcfd37a/blt2cd2d0927d50dab8/648c0c3fd40ad007a1681715/download.svg" width="16" height="16" />Terms &amp; Conditions of THB 500,000 plan</a></p>
  </div>
</div>
<p></p>
<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 16px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;background-color: rgb(254, 249, 244);text-align: left;">
  <div style="display: inline-block;font-weight: bold;text-align: left;background-color: rgb(254, 249, 244);margin-left: 2px;width: 100%;">
    <p style="color: rgb(24, 48, 40);"><a href="/ec/assets/v3/assets/blt331c1aa12dcfd37a/bltfe30c7235f0bbc58/662018cc645d1a631ecf2593/termcond-easy-e-health-1M.pdf" target="_blank"><span><strong></strong></span><img style="width: 16;height: 16;vertical-align: bottom;" src="https://images.contentstack.io/v3/assets/blt331c1aa12dcfd37a/blt2cd2d0927d50dab8/648c0c3fd40ad007a1681715/download.svg" width="16" height="16" />Terms &amp; Conditions of THB 1,000,000 plan</a></p>
  </div>
</div>
<p></p>
<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 16px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;background-color: rgb(254, 249, 244);text-align: left;">
  <div style="display: inline-block;font-weight: bold;text-align: left;background-color: rgb(254, 249, 244);margin-left: 2px;width: 100%;">
    <p style="color: rgb(24, 48, 40);"><a href="/ec/assets/v3/assets/blt331c1aa12dcfd37a/blt5b10968858c5aa9a/662018cc9db0241356a54dc7/termcond-easy-e-health-1_5M.pdf" target="_blank"><span><strong></strong></span><img style="width: 16;height: 16;vertical-align: bottom;" src="https://images.contentstack.io/v3/assets/blt331c1aa12dcfd37a/blt2cd2d0927d50dab8/648c0c3fd40ad007a1681715/download.svg" width="16" height="16" />Terms &amp; Conditions of THB 1,500,000 plan</a></p>
  </div>
</div>
<p></p>
<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 16px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;background-color: rgb(254, 249, 244);text-align: left;">
  <div style="display: inline-block;font-weight: bold;text-align: left;background-color: rgb(254, 249, 244);margin-left: 2px;width: 100%;">
    <p style="color: rgb(24, 48, 40);"><a href="/ec/assets/v3/assets/blt331c1aa12dcfd37a/blt1c9e416779e6f55e/662018cba7375b3a642d8eb7/termcond-easy-e-health-OPD-Plus.pdf" target="_blank"><span><strong></strong></span><img style="width: 16;height: 16;vertical-align: bottom;" src="https://images.contentstack.io/v3/assets/blt331c1aa12dcfd37a/blt2cd2d0927d50dab8/648c0c3fd40ad007a1681715/download.svg" width="16" height="16" />Terms &amp; Conditions of OPD Plus</a></p>
  </div>
</div>
<p></p>
<div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 16px;padding-right: 20px;padding-bottom: 0px;padding-left: 20px;background-color: rgb(254, 249, 244);text-align: left;">
  <div style="display: inline-block;font-weight: bold;text-align: left;background-color: rgb(254, 249, 244);margin-left: 2px;width: 100%;">
    <p style="color: rgb(24, 48, 40);"><a href="/ec/assets/v3/assets/blt331c1aa12dcfd37a/blt1f2dcabb3eb62381/662018cba3e622da2e4bf62a/termcond-easy-e-health-CI-HB.pdf" target="_blank"><span><strong></strong></span><img style="width: 16;height: 16;vertical-align: bottom;" src="https://images.contentstack.io/v3/assets/blt331c1aa12dcfd37a/blt2cd2d0927d50dab8/648c0c3fd40ad007a1681715/download.svg" width="16" height="16" />Terms &amp; Conditions of daily compensation</a></p>
  </div>
</div>

<p style="font-size: 20px;"><br /><b>Claims made easy</b></p>Claim online<br /><p>Track your claim status online, anytime anywhere via Omne by FWD.</p><p>Select "Submit a Claim" from the menu, then upload a picture of your document, and fill in a claim form and you will be updated on your claim status within 3 business days.</p><p style="color: rgb(232, 119, 34);"><a href="https://www.fwd.co.th/th/omne/1step-registration-support/qrcode/?utm_source=ReplaceError&utm_medium=doorway&utm_campaign=ReplaceError_doorway_cx" target="_blank"><span><strong></strong></span>→ Download Omne by FWD</a></p><p>Don't worry. If you are inconvenient to submit a claim online. Call us at 1351, we are here to help daily from 8:00 a.m. to 8:00 p.m.</p>

Why should you have lump-sum health insurance?

Health "Lump Sum" insurance is a policy that has a maximum annual coverage amount for hospitalization expenses. The insurance company is responsible for covering medical expenses up to the agreed amount. For instance, Easy E-Health insurance provides a maximum coverage amount of 1.5 million baht per year, relieving worries about expenses when hospitalized.<p><br />However, other policy terms may have additional conditions. For example, a policy might cover up to 1 million baht per year for hospitalization but limit coverage for each treatment session to 500,000 baht.</p><p></p><p></p><strong>Advantages and limitations of health lump sum insurance</strong><br /><p>Advantages: coverage can reach up to millions of baht per year, worryless about hospital expenses as it covers all medical expenses categories.</p><br /><p>Limitations: premiums may be higher compared to capped health insurance. This depends on the coverage value, age, and gender. Additionally, room charges for hospitalization may not be covered by the policy, resulting in potential additional expenses</p><p></p><p>Why choose Easy E-Health; lump-sum health insurance ?</p><p></p>Easy E-Health covers both OPD and IPD, so you no longer need to worry about medical expenses.<br /><p>Establish health and financial security for yourself and your family with lump-sum health insurance, which covers medical expenses comprehensively without limitations. This health insurance addresses both inpatient (IPD) medical expenses and allows the option to purchase additional coverage for outpatient (OPD) expenses. It provides protection against general illnesses, serious illnesses, and epidemics through lump-sum coverage based on actual expenses and is eligible for tax deductions.</p><p></p><p>Lump-sum health insurance provides more comprehensive coverage compared to general health insurance. It is suitable for those who are the pillars of their family and seek comprehensive protection.</p><div style="border-top-left-radius: 10px;border-top-right-radius: 10px;border-bottom-right-radius: 10px;border-bottom-left-radius: 10px;padding-top: 20px;padding-right: 20px;padding-bottom: 20px;padding-left: 20px;background-color: rgb(219, 223, 225);"><p><span></span><span><strong>Not quite what you're looking for?</strong></span></p><p>Check out our online plan options to help you find the plan that best suits your needs.</p><p style="color: rgb(232, 119, 34);"><a href="https://www.fwd.co.th/en/health-insurance/e-health-eco" target="_blank"><span><strong></strong></span>→ E-Health Eco Affordable Health Insurance Feel relieved with cashless medical treatment. Affordable premium start at just 300 Baht per month</a></p><p style="color: rgb(232, 119, 34);"><a href="https://www.fwd.co.th/en/critical-illness-insurance/big-3" target="_blank">→ Big 3 - covers 3 of Thailand's top serious disease groups: cancer, cardiovascular disease, stroke and neurological disorder</a></p></div>

The IPD insurance plan is the primary coverage of Easy E-Health insurance, allowing you to purchase lump-sum health insurance online with a maximum coverage limit per year from three plans: a 500,000 baht plan, a 1,000,000 baht plan, and a 1,500,000 baht plan. This insurance plan ensures peace of mind when admitted to the hospital, with a lump-sum payment based on the actual cost of treatment.

 If I wish to have inpatient coverage when admitted to the hospital, which health insurance plan should I choose?

OPD Plus is a health insurance plan that allows you to purchase an additional plan to provide outpatient coverage (OPD) without hospital admission. There are six plans for your choice, with a maximum coverage limit of 3,000 baht per occurrence (once per day). You can choose to purchase OPD Plus after selecting the primary coverage.

 Which insurance plan covers outpatient medical treatment that can be treated without hospital admission?

FWD has over 1,000 network hospitals and clinics nationwide. Simply present your ID card and receive treatment with no advance payment required. <a href="https://www.fwd.co.th/en/hospital-network/" target="_blank">Find a hospital or clinic in the network near you.</a>

Where are the hospitals or clinics within FWD’s network?

 You can purchase a maximum of 1 policy per person.

How many online policies can I purchase through Easy E-Health ?

If, during the check, claims are determined to be for normal illnesses, this will not affect the renewal of the policy. However, if claims are found to be fraudulent, concealed, or misrepresented, FWD reserves the right not to renew the policy in accordance with its terms and conditions.

If there are frequent claims, but they do not exceed the maximum benefit per year, will this result in the refusal of policy renewal in the future?

<ul class="QuoteWidgetBanner_benefitCheckList__XUrUn">
  <li class="mb-4 size-14 lh-21 size-md-16 lh-md-24">Unlimited coverage for IPD expenses per admission.</li>
  <li class="mb-4 size-14 lh-21 size-md-16 lh-md-24">Maximum coverage of 1.5 million Baht/year without detailed breakdown of expenses.</li>
  <li class="mb-4 size-14 lh-21 size-md-16 lh-md-24">Add on Out-Patient (OPD) coverage as desired</li>
  <li class="mb-4 size-14 lh-21 size-md-16 lh-md-24">Receive treatment with no advance payment at more than 1,000 network hospitals nationwide.</li>
</ul>

Lump-sum Health Insurance Easy E-Health

Lump-sum Health Insurance Easy E-Health

Health insurance that covers medical expenses without limits and does not require health examinations.