Family with two children reviewing health insurance documents

Family pick

Family Health Insurance Bundle

Independent broker

Listed on RevIQ · view this listing's full schemaView on map

One policy covering the whole household. Family discount, paediatric specialists in-network.

Description

Bundled family health cover written across the same carrier for simplicity (one renewal, one number to call). Two adults + up to four children under 21. Paediatric outpatient, vaccinations and dental check-ups included on Standard tier and up; maternity covered after the standard 10-month wait. We negotiate a 15% multi-policy discount with every carrier and pass it back to you. Common picks: Bupa Family, Cigna Global Family, Pacific Cross Family.

Features

✓2 adults + up to 4 dependent children under 21
✓15% multi-policy discount built in
✓Paediatric outpatient + vaccinations included
✓Dental check-ups on Premium tier and up
✓One number, one renewal date, one bill
✓Sticks together if you move — portable carrier options

Warranty & guarantees

In-house warranty· Lifetime claims-support guarantee · 14-day free cancellation

Satisfaction guarantee

If we can't beat your current renewal quote on equivalent coverage, we'll tell you — and tell you to stay where you are. We win by being honest, not by churning policies.

Return policy

Thai law gives every new insurance policy a 14-day free-look period — full refund of premium if you cancel within 14 days of issue. After that, refunds are pro-rata per the policy's cancellation schedule.

Pricing

Standard

฿72,000

THB 8,000/night room. THB 1.5M aggregate.

✓2 adults + 2 children
✓Paediatric outpatient + vaccinations
✓Direct billing

Premium

Recommended

฿128,000

THB 12,000/night. THB 3M aggregate. Up to 4 children.

✓Worldwide cover ex-USA
✓Dental check-ups included
✓Maternity after wait
✓Annual health screen

Executive

฿215,000

Unlimited aggregate. Worldwide incl. USA. VIP rooms.

✓No annual cap
✓Worldwide incl. USA
✓Dental + vision + maternity
✓Mental-health outpatient

Trust

4.9·274 reviews on Google 4.8·162 reviews on Facebook

VerifiedFast response10+ yearsHighly recommendedAward winner

Team

Khun Apirak

Managing Broker & Founder

Khun Niran

Head of Claims

Sarah Williamson

Expat & International Desk

How it works

Quote in 1 hour
Within 1 hour
Tell us what you need; we run it across all 14 carriers we work with and surface the best 3 options — usually within the hour, never more than same-day.
Compare & decide
Same day
Side-by-side comparison of premium, coverage, exclusions, claim ratio. We explain trade-offs in plain English/Thai — no insurance jargon.
Bind & pay
≤ 24h
E-sign the application; pay annual, semi-annual, quarterly, monthly, or 0% installment. Policy issued within 24h.
Claim coordination
Throughout the policy
File a claim through us — never alone. We pre-validate the paperwork with the carrier and chase weekly until paid.
Proactive renewal
Annual
60/30/14-day automated renewal reach-out. We re-quote across all carriers each year to make sure you're not silently paying more.

In the press

Bangkok Post Business

How independent brokers are reshaping Thailand's insurance buying journey

2025

Thai Insurance Review

MDRT Thailand 2024: the brokerages punching above their weight

2024

Coconuts Bangkok

The expat's guide to actually getting your insurance claim paid in Thailand

2025

Details

Title: Family Health Insurance Bundle
Specialisation: Independent broker
Category: Health
OIC license number: IB-29841
Tags: health, family, children, paediatric, multi-policy-discount, bundle
Brokerage / firm name: Bangkok Insurance Group
Years in insurance: 22
Team size: 14
Accreditations: OIC-licensed broker, Insurance Brokers Association member, MDRT (Million Dollar Round Table), Court of the Table
Short description: One policy covering the whole household. Family discount, paediatric specialists in-network.
Policy types offered: Health, Personal accident & illness
Long description: Bundled family health cover written across the same carrier for simplicity (one renewal, one number to call). Two adults + up to four children under 21. Paediatric outpatient, vaccinations and dental check-ups included on Standard tier and up; maternity covered after the standard 10-month wait. We negotiate a 15% multi-policy discount with every carrier and pass it back to you. Common picks: Bupa Family, Cigna Global Family, Pacific Cross Family.
Carriers offered: AIA Thailand, Bupa, Cigna, Pacific Cross, Luma Health, Allianz Ayudhya, MSIG Insurance
Features: [object Object], [object Object], [object Object], [object Object], [object Object], [object Object]
Coverage tiers: Standard, Premium, Executive / VIP
Multi-carrier quoting: true
Annual premium handled — from: ฿72,000
Annual premium handled — to: ฿420,000
Gallery: https://images.unsplash.com/photo-1581579438747-104c53e7bdca?w=1200,https://images.unsplash.com/photo-1559757148-5c350d0d3c56?w=1200,https://images.unsplash.com/photo-1503454537195-1dcabb73ffb9?w=1200
Claim coordination offered: true
Renewal automation: true
Typical response time: Same day
Instant online quotes: false
Direct billing with carriers: true
Payment plans accepted: Annual only, Semi-annual, Quarterly, Monthly
Languages: Thai, English, Chinese (Mandarin), Japanese
Location: [object Object]
Client segments served: Families, Expats in Thailand, High net worth
Maps URL: https://maps.app.goo.gl/bangkok-insurance-demo-sukhumvit-23
Expat-friendly: true
Price: ฿72,000
Price type: From (min of variants)
Billing period: Year
Price negotiable: false
Featured: true
Badge: Family pick
Valid from: 2026-06-03T12:54:04.444Z
Valid until: 2026-07-03T12:54:04.444Z
CTA label: Get a family quote
Order URL: https://lin.ee/bangkok-insurance-demo
Meta title: Family Health Insurance — Bangkok — Bangkok Insurance Group
Meta description: 2 adults + up to 4 children, 15% multi-policy discount, paediatric outpatient included. From THB 72,000/year. Quoted across 7 carriers.
Facebook caption: 2 adults + up to 4 children, 15% multi-policy discount, paediatric outpatient included. From THB 72,000/year. Quoted across 7 carriers.
LINE caption: 2 adults + up to 4 children, 15% multi-policy discount, paediatric outpatient included. From THB 72,000/year. Quoted across 7 carriers.
WhatsApp caption: 2 adults + up to 4 children, 15% multi-policy discount, paediatric outpatient included. From THB 72,000/year. Quoted across 7 carriers.
LinkedIn caption: 2 adults + up to 4 children, 15% multi-policy discount, paediatric outpatient included. From THB 72,000/year. Quoted across 7 carriers.
VAT rate (%): 7

Frequently asked questions

Can I add my parents to a family policy?

Family policies cover spouse + children only. Parents over 65 typically get a standalone senior plan (better priced than retro-fitting them onto a family policy). We can quote both side by side.

Are my kids covered for vaccinations + school physicals?

Yes — all three tiers include paediatric outpatient with vaccination schedule (5-in-1, MMR, HPV, etc.) and school-required physicals. Premium tier adds developmental screening.

What if my child has a pre-existing condition?

Each family member is underwritten individually at application. A child's pre-existing condition won't disqualify the whole family — just that child's specific condition may be excluded or loaded.

What happens when a child turns 21?

They can either stay on the family policy (if still a full-time student, up to age 25 on most carriers) or convert to their own individual policy at the same premium tier with no re-underwriting. We handle the conversion automatically.