LHB SAVE Accident

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LHB SAVE ACCIDENT SHIELD

LHB SAVE ACCIDENT HIGH SUM

LHB SAVE ACCIDENT EXTRA

LHB SAVE ACCIDENT CYBER

LHB SAVE ACCIDENT

LHB SAVE ACCIDENT SHIELD

Product Highlights

Covers accidents from riding or travelling on motorcycles, including assault or murder
Eligible from 1 month old for coverage in the event of death or permanent disability due to accident
Renewable up to age 75
Flexible plan selection to suit your budget, with coverage up to THB 1.2 million

Coverage Table

Coverage	Sum Insured (Baht)
Coverage	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
1. Loss of life, dismemberment, loss of sight, or total permanent disability (Orbor.1)
1.1 Injuries from general accidents, or	400,000	600,000	800,000	1,000,000	1,200,000
1.2 Limitation of liability (murder or physical assault), or	400,000	600,000	800,000	1,000,000	1,200,000
1.3 Coverage extension (riding or being a passenger on a motorcycle), or	200,000	300,000	400,000	500,000	600,000
2. Medical expenses per accident	Not Covered		60,000	80,000	100,000
3. Funeral expenses in the event of death due to illness (180-day waiting period)	1,000	1,000	3,000	3,000	3,000

Eligibility of the Insured

1.Individuals of all occupations (excluding Occupational Class 4)
2.Aged between 1 month - 70 years, in good health (renewable up to age 75)
3.Occupational Class 4 exclusions include: laborers, construction workers, oil drillers, miners, high-rise building cleaners, fishermen, celebrities, actors, singers, musicians, athletes, drivers transporting oil, gas or hazardous materials, motorboat operators, air hostesses, stewards, captains, police officers, military personnel, volunteers, persons with disabilities, politicians, employees who use motorcycles for work, motorcycle taxi drivers, and veterinarians

Manual LHB SAVE ACCIDENT Shield
Announced on 20 April 2026

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LHB SAVE ACCIDENT HIGH-SUM

Product Highlights

24-hour worldwide accident protection
Sum insured up to THB 10,000,000
Extended coverage for riding or travelling on motorcycles

Coverage Table

Coverage	Sum Insured (Baht)
Coverage	Plan 1	Plan 2	Plan 3	Plan 4
1. Loss of life, dismemberment, or total permanent disability (OrBor.1) due to
- 1.1 General accidents	3,000,000	5,000,000	7,000,000	10,000,000
- 1.2 Limited liability coverage (in the event of murder or assault)	3,000,000	5,000,000	5,000,000	5,000,000
- 1.3 Extended coverage (riding or travelling on motorcycles)	1,500,000	2,500,000	3,500,000	5,000,000
2. Funeral or burial expense benefit in the event of death due to injury (including while riding or travelling on motorcycles)	20,000	50,000	50,000	50,000

Manual LHB SAVE ACCIDENT High Sum
Announced on 2 March 2026

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Eligibility Criteria for Insurance Coverage

1-year coverage period.
The insured must be of Thai nationality. In the case of a foreign national, a valid passport and proof of legal residence in Thailand are required (Work Permit or visa approved by the relevant government authority).
Eligible for insured ag between 25 – 60 years (Renewable up to age 70).
The insured must be in good health, with no history of serious illnesses such as heart disease, AIDS, cancer, neurological disorders, liver cirrhosis, chronic kidney failure, bone and joint diseases, epilepsy, systemic lupus erythematosus (SLE), chronic alcoholism, or any congenital conditions, and must not have any physical disability. Acceptance is subject to the Company’s underwriting criteria.
The maximum sum insured shall not exceed THB 10,000,000 per person.
This insurance plan is available only to insured persons classified under Occupational Class 1–2.
The Company reserves the right to decline coverage if it is found that the insured does not meet the underwriting requirements. In such cases, the insurance shall be deemed void, and the Company will refund the full premium paid for the void policy.

Occupational Classes 1–2
Refers to individuals engaged in administrative or managerial duties, clerical or sales work in business or commercial activities, whose work is primarily office-based.
This also includes light manual work not involving machinery, or those who work outside the office on an occasional basis.

Occupations Not Eligible for Insurance Coverage (Occupational Class 3–4)
Examples include: Labourers, construction workers, oil drilling workers, miners, high-rise building cleaners, fishermen, actors, actresses, singers, musicians, athletes, drivers of oil/gas/hazardous material transport vehicles, boat operators, flight attendants, stewards/stewardesses, pilots, police officers, military personnel, volunteers, persons with disabilities, politicians, employees using motorcycles for work, motorcycle taxi drivers, industrial factory workers, mechanics, race car drivers, taxi drivers, as well as occupations involving manual labour, machinery operation, farming, gardening, or any occupations with high-risk exposure.

LHB SAVE ACCIDENT EXTRA

Product Highlights

24-hour worldwide coverage for accidents and overseas travel
Medical expense coverage up to THB 100,000 per accident (no limit on number of claims per year)
Coverage for loss or damage to personal belongings and baggage up to THB 50,000
Coverage for follow-up medical treatment in Thailand when the incident occurs overseas and continued

Coverage Table

Coverage	Sum Insured (Baht)
Coverage	Plan 1	Plan 2	Plan 3	Plan 4	Plan 5
Personal Accident
1. Loss of life, dismemberment, or permanent disability (OrBor.1)	100,000	300,000	600,000	1,000,000	2,000,000
2. Riding or travelling on motorcycles	50,000	150,000	300,000	500,000	1,000,000
3. Murder or intentional assault	50,000	150,000	300,000	500,000	1,000,000
4. Medical Expenses Each Accident	5,000	15,000	30,000	50,000	100,000
Overseas Travel
1. Loss of life, dismemberment, loss of sight, or total permanent disability due to accident
- Insured aged 16–75 years old	2,000,000	2,000,000	2,000,000	3,000,000	3,000,000
- Insured aged below 16 years old	1,000,000	1,000,000	1,000,000	1,500,000	1,500,000
2. Overseas medical expenses (limit per trip), including coverage for COVID-19 infection	2,000,000	2,000,000	2,000,000	2,500,000	2,500,000
3. Follow-up medical treatment in Thailand
- Coverage for continued medical expenses in Thailand (within 14 days from the date of return to Thailand)	200,000	200,000	200,000	250,000	250,000
- Coverage for continued medical expenses in Thailand in cases where no prior treatment was received overseas (within 7 days from the date of return to Thailand)	50,000	50,000	50,000	50,000	50,000
4. Third-Party Liability	1,000,000	1,000,000	1,000,000	2,000,000	2,000,000
5. Daily hospital cash benefit for inpatient treatment (up to 10 days)	Not Covered	Not Covered	Not Covered	20,000	20,000
- Maximum per day	Not Covered	Not Covered	Not Covered	2,000	2,000
6. Transportation expenses for overseas outpatient medical treatment (up to 2 days)	1,000	1,000	1,000	1,000	1,000
- Maximum per occurrence	500	500	500	500	500
7. Trip postponement or cancellation	Not Covered	Not Covered	Not Covered	200,000	200,000
8. Flight delay (reimbursement basis) for every 6 consecutive hours of delay	Not Covered	Not Covered	Not Covered	1,500	1,500
- Maximum total limit	Not Covered	Not Covered	Not Covered	15,000	15,000
9. Missed connection (reimbursement basis) for every 6 consecutive hours of delay	Not Covered	Not Covered	Not Covered	1,500	1,500
- Maximum total limit	Not Covered	Not Covered	Not Covered	10,000	10,000
10. Trip Curtailment – actual expenses incurred, up to the maximum amount payable per trip	Not Covered	Not Covered	Not Covered	200,000	200,000
11. Flight delay for a continuous period of 24 hours	5,000	5,000	5,000	5,000	5,000
- Maximum total limit	50,000	50,000	50,000	50,000	50,000
12. Loss of or damage to baggage and/or personal belongings
- Per item, per pair, or per set	Not Covered	Not Covered	Not Covered	5,000	5,000
- Actual expenses incurred, up to the maximum limit	Not Covered	Not Covered	Not Covered	50,000	50,000
13. Baggage delay – actual expenses incurred for each 6 consecutive hours of delay	1,000	1,000	1,000	1,000	1,000
- Maximum total limit	10,000	10,000	10,000	15,000	15,000
14. Loss of travel documents – actual expenses incurred, up to the maximum amount payable per trip	Not Covered	Not Covered	Not Covered	15,000	15,000
15. Loss of money – actual expenses incurred, up to the maximum amount payable per trip	Not Covered	Not Covered	Not Covered	15,000	15,000
* Deductible : 1,000 baht (per trip)
16. Credit card liability	Not Covered	Not Covered	Not Covered	Not Covered	Not Covered
* Deductible : 1,000 baht (per trip)
17. Repatriation of mortal remains or ashes	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000
18. Emergency medical evacuation and repatriation	3,000,000	3,000,000	3,000,000	3,000,000	3,000,000
19. Travel expenses for one person to attend to the insured (1 person)	Not Covered	Not Covered	Not Covered	100,000	100,000
20. Additional travel transportation for a close relative or travelling companion (1 person) in case the insured requires emergency evacuation	Not Covered	Not Covered	Not Covered	50,000	50,000
21. Travel expenses for a guardian to attend to a minor	Not Covered	Not Covered	Not Covered	50,000	50,000
22. Telephone expense reimbursement in case of emergency	500	500	500	500	500
23. Medicine delivery service	10,000	10,000	10,000	10,000	10,000
24. Automatic coverage period extension	7 Days	7 Days	7 Days	7 Days	7 Days

Eligibility Criteria for Insurance Coverage

Individuals of all occupations (except for occupations in Class 4).
Eligible for coverage from ages 3 to 60 (renewable up to age 70)
The insured must be in good health, with no history of serious illness or pre-existing conditions, no physical disability, and must meet the underwriting criteria set by the Company.
For insured aged 3–20 years with no income or classified under Occupational Class 3, the maximum sum insured is limited to THB 600,000.
For insured residing in the four southern border provinces (Songkhla, Yala, Pattani, Narathiwat), the maximum sum insured is limited to THB 300,000.
Occupational Class 4 exclusions include: laborers, construction workers, oil drillers, miners, high-rise building cleaners, fishermen, celebrities, actors, singers, musicians, athletes, drivers transporting oil, gas or hazardous materials, motorboat operators, air hostesses, stewards, captains, police officers, military personnel, volunteers, persons with disabilities, politicians, employees who use motorcycles for work, motorcycle taxi drivers, and veterinarians.
For the Travel Accident Policy, the insured must have a residence in Thailand and the travel must originate from Thailand to overseas destinations only.
In the case of foreign nationals, a passport and valid authorization to stay in Thailand (such as a work permit or visa issued by the relevant authorities) are required.
Countries not covered under the Company’s travel conditions include high-risk or sanctioned countries, including but not limited to:Afghanistan, Algeria, Belarus, Iran, Ethiopia, Iraq, Lebanon, Libya, Mali, Myanmar, North Korea, Russia, Sudan, Syria, Ukraine, Yemen, Zimbabwe, Central African Republic, Yugoslavia, Albania, Eritrea, Democratic Republic of the Congo, Burundi, Pakistan, Bangladesh, Rwanda, Liberia, Azerbaijan, Israel, Tajikistan, Turkmenistan, Uzbekistan, Angola, etc
Annual travel insurance coverage (maximum coverage period not exceeding 90 days per trip)

Note: If additional high-risk or sanctioned countries are announced beyond those listed above, the Company reserves the right to decline coverage or cancel the policy with a full premium refund.

Manual LHB SAVE ACCIDENT Extra
Announced on 2 March 2026

ดาวน์โหลด

LHB SAVE ACCIDENT CYBER

Key product features

Together with Online Shopping Coverage up to THB 3,000
Coverage starts from age 3 (no medical examination required)
Cashless medical treatment at over 500 network hospitals nationwide
24-hour worldwide accident coverage

Coverage Table

Benefit Coverage	Sum Insured (Baht)
Benefit Coverage	Plan 1	Plan2	Plan 3	Plan 4	Plan 5	Plan 6	Plan 7	Plan 8	Plan 9	Plan 10
1.Loss of life, Dismemberment, Loss of Sight or total Permanent Disability (Orbor.1)	100,000	200,000	300,000	400,000	500,000	600,000	800,000	1,000,000	1,500,000	2,000,000
- 1.1 Public Accident Benefit	200,000	400,000	600,000	800,000	1,000,000	1,200,000	1,600,000	2,000,000	3,000,000	4,000,000
- 1.2 Murder or Assault	50,000	100,000	150,000	200,000	250,000	300,000	400,000	500,000	750,000	1,000,000
- 1.3 Driving of or riding as a passenger on Motorcycles	50,000	100,000	150,000	200,000	250,000	300,000	400,000	500,000	750,000	1,000,000
2. Medical Expenses Each Accident	5,000	10,000	15,000	20,000	25,000	30,000	40,000	50,000	75,000	100,000
3. Funeral Benefit or Funeral Expense Coverage in the Event of Death Due to Injury or Illness (180-day waiting period applies for illness)	10,000	20,000	30,000	40,000	50,000	50,000	50,000	50,000	50,000	50,000
Cyber Insurance (Online Shopping)	3,000	3,000	3,000	3,000	3,000	3,000	3,000	3,000	3,000	3,000

Public Transportation Accident means an accident occurring while the insured is traveling as a passenger on public transportation, such as trains, electric trains, public buses, or licensed public passenger vans registered for public land transportation and operating on designated routes and schedules. This also includes accidents involving public elevators, excluding elevators used in mines or construction sites, as well as fire incidents occurring in public buildings during hours open to the general public, including jumping to escape fire in order to preserve life.

Insurance Underwriting Conditions

Individual persons of all occupations (excluding Occupational Class 4).
Aged between 3–60 years, in good and sound health (renewable up to age 70).
The insured must not currently suffer from, have previously suffered from, have self-recognizable symptoms of, or have received medical examination, diagnosis, treatment, or medical advice relating to epilepsy, heart disease, hypertension, bone or muscular disorders, cancer, AIDS, diabetes, or any physical disability or impairment of any body organ.
For insured persons aged 3–20 years with no income, or those in Occupational Class 3, the maximum sum insured is limited to THB 600,000.
Insured persons whose registered residence is in the four southern border provinces (Yala, Pattani, Narathiwat) are subject to a maximum sum insured limit of THB 300,000.
Excluded Occupational Class 4 includes: laborers, construction workers, oil drilling workers, miners, high-rise building cleaners, fishermen, actors, actresses, singers, musicians, athletes, drivers transporting oil, gas, or hazardous materials, boat operators, flight attendants, stewards/stewardesses, pilots, police officers, military personnel, volunteers, persons with disabilities, politicians, employees who use motorcycles for work, motorcycle taxi drivers, and veterinarians.
One insured person may hold only one policy.

Manual LHB SAVE ACCIDENT CYBER
Announced on 7 April 2026

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