Kraisith Lertlaokul (Oak) - Insurance Advisory
Insurance Proposal for Lucas Johny Robert Brasier
As a DTV holder, you can stay in Thailand for up to 180 days per entry with a 5-year multi-entry visa. This proposal compares two insurance strategies tailored to your lifestyle: per-trip travel coverage with Dhipaya TIPINSURE, or continuous annual health protection with Pacific Cross Maxima. Both keep you covered throughout your time in Thailand.
Your DTV - How Insurance Fits In
The Destination Thailand Visa gives you flexibility: 5-year validity, multi-entry, stays up to 180 days at a time. Your insurance needs depend on how you use it.
5-year
Multi
180d
Personalized Premium Estimate for Lucas Johny Robert Brasier
Based on your profile - age 26, French, DTV visa - here are your estimated premiums. Adjust the trip duration for Dhipaya or compare Pacific Cross plans below.
Dhipaya TIPINSURE
Pacific Cross Maxima
Plan Overview
Dhipaya TIPINSURE
Per-trip travel cover for DTV entries
Best for DTV holders who:
- Make individual trips to Thailand (up to 180 days each)
- Want comprehensive travel protection per visit
- Prefer lower upfront cost per trip
Pacific Cross Maxima
Continuous annual health cover for DTV lifestyle
Your personalized annual premium (age 26)
THB 44,023
THB 49,206
Premium Projections
Dhipaya TIPINSURE - Plan 3 Per-Trip Premium by Duration
Pacific Cross Maxima Annual Premium by Age
Premium at a Glance
Per-Trip vs Annual Premium Cost Comparison
Coverage Comparison
| Benefit / Feature | Dhipaya TIPINSURE | Pacific Cross Maxima |
|---|---|---|
| Coverage Type | Travel Insurance (Short-term) | Annual Health Insurance |
| DTV Suitability | Ideal for individual DTV entries (per-trip purchase) | Designed for continuous DTV lifestyle coverage |
| Coverage Duration for DTV | Up to 180 days per trip (renew per entry) | 365 days continuous (auto-renewable) |
| Target Audience | Foreign tourists / travelers entering Thailand | Expats, long-term residents, locals |
| Coverage Period | 1 - 180 days per trip | 365 days (annual, renewable) |
| Premium Billing | Per trip (pay per entry) | Annual (one payment per year) |
| Plan Levels | 3 Tiers (Plan 1 / Plan 2 / Plan 3) | 2 Tiers (Maxima / Maxima Plus) |
| Age Limit | 1 - 85 years | Up to 65 years (lifetime renewability) |
| Accidental Death & Dismemberment | Up to 5,500,000 THB | Covered under IPD |
| Medical Expenses (In-Country) | Up to 5,000,000 THB | Paid in full (IPD) |
| Medical Expenses (Home Country) | Up to 500,000 THB | N/A (local coverage) |
| Emergency Evacuation / Repatriation | Up to 2,500,000 THB | Assist America support included |
| Personal Liability | Up to 3,000,000 THB | Covered per policy terms |
| Baggage & Personal Effects | Up to 50,000 THB (deductible applies) | N/A |
| Travel / Baggage Delay | Up to 35,000 / 30,000 THB | N/A |
| Trip Cancellation | Up to 50,000 THB | N/A |
| Inpatient (IPD) - Room & Board | Per travel policy terms | 8,000 - 10,000 THB/day |
| Outpatient (OPD) | Limited (travel medical) | Paid in full per plan |
| Cashless Network | Selected hospitals in Thailand | Extensive network hospitals |
| COVID-19 Coverage | Included | Included |
| Lifetime Renewability | N/A (short-term) | Yes |
| Auto Extension | 7-day automatic extension | N/A (annual) |
Recommendation for Lucas Johny Robert Brasier
Dhipaya TIPINSURE Plan 3
Per-trip billing: pay only for the days you are in Thailand. At THB 4,130 for 30 days on Plan 3, it is a low-cost way to stay covered on each visit. Estimated annual cost for 2 trips: THB 8,260.
Pacific Cross Maxima (or Plus)
Annual Premium: one payment covers 365 continuous days. No need to repurchase per trip. At THB 44,023/year (Maxima) or THB 49,206/year (Maxima Plus) for age 26, with lifetime renewability and cashless hospital access.
Both options are valid for your DTV. Contact Kraisith Lertlaokul (Oak) to proceed.