Accident Insurance is highly recommended for all those who do not have any health insurance policy in Thailand. There is a high chance for accident from traffic, sports, or even in daily life routines, which is out of our anticipation.
Many foreigners/ expats may rely on health insurance from their home countries to cover hospital fee in case of sickness; however the accident injury might not allow you to take a flight back home for the hospital care. The Accident insurance policy will take the sudden task in this case. Moreover, having accident insurance will ensure all minor or major accidents may cause during your stay in Thailand. The coverage does cover both in and out patient hospital fees.
Some of the plans even cover the life insurance, up to 3 or 5 million baht, with the annual premium charge below 10,000 baht.